XML 71 R64.htm IDEA: XBRL DOCUMENT
v3.22.2

Loan impairment provisions (Details) € in Millions, £ in Millions | 6 Months Ended | 12 Months Ended |  |
--- | --- | --- | --- | ---
Jun. 30, 2022 GBP (£) | Jun. 30, 2022 EUR (€) | Jun. 30, 2021 GBP (£) | Dec. 31, 2021 EUR (€) | Jun. 30, 2022 EUR (€) | Dec. 31, 2021 GBP (£) | Dec. 31, 2021 EUR (€)
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets | £ | £ 806,478 |  |  |  |  | £ 781,992 |
Contingent liabilities [member] |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
ECL (release)/charge | £ | 3 |  | £ 2 |  |  |  |
Financial assets (Other) |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets | £ | 38,896 |  |  |  |  | £ 46,145 |
ECL (release)/charge | £ | £ 2 |  | 4 |  |  |  |
Loans - amortised cost and FVOCI |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets |  |  |  |  | € 376,442 |  | € 369,827
ECL provisions |  |  |  |  | € 3,515 |  | € 3,806
ECL provision coverage | 0.93% |  |  |  | 0.93% | 1.03% | 1.03%
Loans - FVOCI |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
ECL provisions | £ | £ 3 |  |  |  |  | £ 5 |
ECL (release)/charge |  | € (54) |  | € (683) |  |  |
FVOCI |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets | £ | 26,691 |  |  |  |  | 37,266 |
FVOCI | Financial assets (Other) |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets | £ | 26,691 |  |  |  |  | 37,266 |
ECL (release)/charge | £ | 0 |  | £ 0 |  |  |  |
Amortised cost |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets | £ | 575,001 |  |  |  |  | 555,132 |
Amortised cost | Financial assets (Other) |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets | £ | 11,963 |  |  |  |  | 8,562 |
Cash at central banks | Assets within the scope of the ECL framework |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets | £ | 178,400 |  |  |  |  | 176,300 |
Debt securities | Assets within the scope of the ECL framework |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets | £ | £ 38,600 |  |  |  |  | £ 44,900 |
Stage 1 | Loans - amortised cost and FVOCI |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets |  |  |  |  | € 342,121 |  | € 330,824
ECL provisions |  |  |  |  | € 408 |  | € 302
ECL provision coverage | 0.12% |  |  |  | 0.12% | 0.09% | 0.09%
Stage 1 | Loans - FVOCI |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
ECL (release)/charge |  | (342) |  | (662) |  |  |
Stage 2 | Loans - amortised cost and FVOCI |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets |  |  |  |  | € 28,505 |  | € 33,981
ECL provisions |  |  |  |  | € 1,122 |  | € 1,478
ECL provision coverage | 3.94% |  |  |  | 3.94% | 4.35% | 4.35%
Stage 2 | Loans - FVOCI |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
ECL (release)/charge |  | 205 |  | (114) |  |  |
Stage 3 | Loans - amortised cost and FVOCI |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets |  |  |  |  | € 5,816 |  | € 5,022
ECL provisions |  |  |  |  | € 1,985 |  | € 2,026
ECL provision coverage | 34.13% |  |  |  | 34.13% | 40.34% | 40.34%
Amounts written off |  | 215 |  | 517 |  |  |
Stage 3 | Loans - amortised cost and FVOCI | Individual |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets |  |  |  |  | € 1,162 |  | € 1,215
ECL provisions |  |  |  |  | 304 |  | 363
Amounts written off |  | 58 |  | 256 |  |  |
Stage 3 | Loans - amortised cost and FVOCI | Collective |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
Financial Assets |  |  |  |  | 4,654 |  | 3,807
ECL provisions |  |  |  |  | € 1,681 |  | € 1,663
Amounts written off |  | 157 |  | 261 |  |  |
Stage 3 | Loans - FVOCI |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
ECL (release)/charge |  | 83 |  | 93 |  |  |
Stage 3 | Loans - FVOCI | Individual |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
ECL (release)/charge |  | (1) |  | (25) |  |  |
Stage 3 | Loans - FVOCI | Collective |  |  |  |  |  |  |
Loan impairment provisions |  |  |  |  |  |  |
ECL (release)/charge |  | € 84 |  | € 118 |  |  |

X
- Definition The amount of an allowance account used to record impairments to financial assets due to credit losses. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Note Expiry date 2023-01-01 -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph 16 -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2017-en-b&anchor=para_16&doctype=Standard&book=b -URIDate 2021-03-24 + Details
Name: | ifrs-full_AllowanceAccountForCreditLossesOfFinancialAssets
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition The decrease in financial assets resulting from write-off. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph IG20B -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_IG20B&doctype=Implementation%20Guidance -URIDate 2021-03-24 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph 35I -Subparagraph c -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_35I_c&doctype=Standard -URIDate 2021-03-24 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph 35H -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_35H&doctype=Standard -URIDate 2021-03-24 + Details
Name: | ifrs-full_DecreaseThroughWriteoffFinancialAssets
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table. + References No definition available. + Details
Name: | ifrs-full_DisclosureOfImpairmentLossAndReversalOfImpairmentLossLineItems
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The rate of expected credit losses, calculated as percentage of the gross carrying amount. Expected credit losses are the weighted average of credit losses with the respective risks of a default occurring as the weights. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph IG20D -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_IG20D&doctype=Implementation%20Guidance -URIDate 2021-03-24 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph 35N -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_35N&doctype=Standard -URIDate 2021-03-24 + Details
Name: | ifrs-full_ExpectedCreditLossRate
Namespace Prefix: | ifrs-full_
Data Type: | num:percentItemType
Balance Type: | na
Period Type: | instant

X
- Definition The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity’s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity’s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity’s own equity instruments. For this purpose the entity’s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity’s own equity instruments. [Refer: Financial instruments, class [member]; Financial liabilities] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph 25 -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_25&doctype=Standard -URIDate 2021-03-24 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph 35H -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_35H&doctype=Standard -URIDate 2021-03-24 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph 35I -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_35I&doctype=Standard -URIDate 2021-03-24 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph 35M -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_35M&doctype=Standard -URIDate 2021-03-24 Reference 5: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph 35N -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2021-en-r&anchor=para_35N&doctype=Standard -URIDate 2021-03-24 + Details
Name: | ifrs-full_FinancialAssets
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition The amount of impairment loss on financial assets. [Refer: Financial assets; Impairment loss] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Note Expiry date 2023-01-01 -Name IFRS -Number 7 -IssueDate 2021-01-01 -Paragraph 20 -Subparagraph e -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2017-en-b&anchor=para_20_e&doctype=Standard&book=b -URIDate 2021-03-24 + Details
Name: | ifrs-full_ImpairmentLossOnFinancialAssets
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | ifrs-full_ClassesOfFinancialLiabilitiesAxis=ifrs-full_ContingentLiabilitiesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialAssetsAxis=nwg_OtherFinancialAssetsMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialAssetsAxis=nwg_LoansAtAmortisedCostAndFairValueThroughOtherComprehensiveIncomeMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialAssetsAxis=nwg_LoansAtFairValueThroughOtherComprehensiveIncomeMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_FinancialAssetsAtAmortisedCostCategoryMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialInstrumentsAxis=nwg_CashAtCentralBanksMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ImpairmentOfFinancialAssetsAxis=nwg_AssetsWithinScopeOfExpectedCreditLossFrameworkMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_DebtSecuritiesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | nwg_StagesOfImpairmentAxis=nwg_StageOneMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | nwg_StagesOfImpairmentAxis=nwg_StageTwoMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | nwg_StagesOfImpairmentAxis=nwg_StageThreeMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ImpairmentOfFinancialAssetsAxis=ifrs-full_FinancialAssetsIndividuallyAssessedForCreditLossesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ImpairmentOfFinancialAssetsAxis=ifrs-full_FinancialAssetsCollectivelyAssessedForCreditLossesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |