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Financial Instruments - maturity analysis (Tables) | 12 Months Ended
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Dec. 31, 2022
Financial instruments - classification |
Schedule of residual maturity of financial instruments | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2022 | ​ | 2021
​ | ​ | Less than | ​ | More than | ​ | ​ | ​ | Less than | ​ | More than | ​ | ​
​ | ​ | 12 months | ​ | 12 months | ​ | Total | ​ | 12 months | ​ | 12 months | ​ | Total
​ |  | £m |  | £m |  | £m |  | £m |  | £m |  | £m
Assets | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Cash and balances at central banks |  | 144,832 |  | — |  | 144,832 |  | 177,757 |  | — |  | 177,757
Trading assets |  | 35,944 |  | 9,633 |  | 45,577 |  | 40,263 |  | 18,895 |  | 59,158
Derivatives |  | 38,107 |  | 61,438 |  | 99,545 |  | 34,538 |  | 71,601 |  | 106,139
Settlement balances |  | 2,572 |  | — |  | 2,572 |  | 2,141 |  | — |  | 2,141
Loans to banks - amortised cost | ​ | 6,872 | ​ | 267 | ​ | 7,139 | ​ | 7,425 | ​ | 257 | ​ | 7,682
Loans to customers - amortised cost | ​ | 84,289 | ​ | 282,051 | ​ | 366,340 | ​ | 103,689 | ​ | 255,301 | ​ | 358,990
Other financial assets |  | 6,128 |  | 24,767 |  | 30,895 |  | 11,151 |  | 34,994 |  | 46,145
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Liabilities |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Bank deposits |  | 7,799 | ​ | 12,642 | ​ | 20,441 | ​ | 13,715 | ​ | 12,564 | ​ | 26,279
Customer deposits |  | 448,821 |  | 1,497 |  | 450,318 |  | 478,801 |  | 1,009 |  | 479,810
Settlement balances |  | 2,012 |  | — |  | 2,012 |  | 2,068 |  | — |  | 2,068
Trading liabilities |  | 42,760 |  | 10,048 |  | 52,808 |  | 41,664 |  | 22,934 |  | 64,598
Derivatives | ​ | 39,331 | ​ | 54,716 | ​ | 94,047 | ​ | 34,593 | ​ | 66,242 | ​ | 100,835
Other financial liabilities |  | 13,796 |  | 35,311 |  | 49,107 |  | 16,060 |  | 33,266 |  | 49,326
Subordinated liabilities |  | 973 |  | 5,287 |  | 6,260 |  | 1,375 |  | 7,054 |  | 8,429
Notes in circulation | ​ | 3,218 | ​ | — | ​ | 3,218 | ​ | 3,047 | ​ | — | ​ | 3,047
Lease liabilities |  | 137 |  | 981 |  | 1,118 |  | 238 |  | 1,025 |  | 1,263
​
Schedule of undiscounted cash flows payable by contractual maturity | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 0-3 months |  | 3-12 months |  | 1-3 years |  | 3-5 years |  | 5-10 years |  | 10-20 years
2022 | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m
Assets by contractual maturity up to 20 years |  | ​ |  | ​ |  | ​ |  | ​ |  | ​ |  | ​
Cash and balances at central banks |  | 144,832 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging | ​ | 130 | ​ | 345 | ​ | 28 | ​ | 41 | ​ | (44) | ​ | 43
Settlement balances |  | 2,572 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Loans to banks - amortised cost |  | 5,254 |  | 1,621 |  | 17 |  | 288 |  | — |  | —
Loans to customers - amortised cost |  | 50,923 |  | 43,417 |  | 76,278 |  | 55,128 |  | 85,038 |  | 100,085
Other financial assets (1) | ​ | 2,771 | ​ | 4,507 | ​ | 8,391 | ​ | 7,835 | ​ | 5,706 | ​ | 2,524
Finance lease |  | 96 |  | 267 |  | 857 |  | 482 |  | 549 |  | 296
​ |  | 206,578 | ​ | 50,157 |  | 85,571 |  | 63,774 |  | 91,249 |  | 102,948
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Liabilities by contractual maturity up to 20 years |  | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Bank deposits |  | 6,690 |  | 1,445 |  | 5,662 |  | 8,503 |  | 89 |  | —
Customer deposits |  | 437,830 |  | 11,389 |  | 1,252 |  | 2 |  | 14 |  | 20
Settlement balances |  | 2,012 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging |  | 280 |  | (371) |  | 586 |  | 306 |  | 116 |  | 85
Other financial liabilities |  | 6,720 |  | 6,640 |  | 18,833 |  | 13,906 |  | 7,361 |  | 294
Subordinated liabilities | ​ | 96 | ​ | 1,073 | ​ | 2,690 | ​ | 1,897 | ​ | 1,541 | ​ | 328
Other liabilities - Notes in circulation | ​ | 3,218 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Lease liabilities |  | 41 | ​ | 113 |  | 260 |  | 203 |  | 318 |  | 254
​ |  | 456,887 |  | 20,289 |  | 29,283 |  | 24,817 |  | 9,439 |  | 981
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Guarantees and commitments - notional amount |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Guarantees (2) |  | 3,150 |  | — | ​ | — | ​ | — | ​ | — | ​ | —
Commitments (3) |  | 118,779 |  | — |  | — |  | — |  | — |  | —
​ |  | 121,929 |  | — |  | — |  | — |  | — |  | —
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
2021 |  | ​ |  | ​ |  | ​ |  | ​ |  | ​ |  | ​
Assets by contractual maturity up to 20 years |  | ​ |  | ​ |  | ​ |  | ​ |  | ​ |  | ​
Cash and balances at central banks |  | 177,757 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging |  | (23) | ​ | (32) | ​ | 72 | ​ | 15 | ​ | 10 | ​ | 17
Settlement balances | ​ | 2,141 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Loans to banks - amortised cost |  | 5,735 |  | 1,689 |  | 21 |  | — |  | — |  | —
Loans to customers - amortised cost |  | 65,760 |  | 43,144 |  | 63,979 |  | 45,057 |  | 73,044 |  | 90,115
Other financial assets (1) |  | 3,924 | ​ | 7,576 | ​ | 10,467 | ​ | 8,048 | ​ | 7,444 | ​ | 5,523
Finance lease | ​ | 290 |  | 340 |  | 746 |  | 504 |  | 704 |  | 377
​ | ​ | 255,584 | ​ | 52,717 |  | 75,285 |  | 53,624 |  | 81,202 |  | 96,032
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Liabilities by contractual maturity up to 20 years |  | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Bank deposits |  | 13,292 |  | 421 |  | 566 |  | 12,003 |  | — |  | —
Customer deposits |  | 473,123 |  | 5,440 |  | 1,155 |  | 73 |  | 4 |  | 19
Settlement balances |  | 2,068 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging |  | (57) |  | (31) |  | 561 |  | 155 |  | (152) |  | (198)
Other financial liabilities |  | 6,967 |  | 9,293 |  | 16,953 |  | 10,062 |  | 7,905 |  | 292
Subordinated liabilities |  | 66 | ​ | 1,604 | ​ | 3,481 | ​ | 2,170 | ​ | 1,496 | ​ | 563
Other liabilities- Notes in circulation | ​ | 3,047 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Lease liabilities | ​ | 74 | ​ | 161 |  | 220 |  | 167 |  | 281 |  | 251
​ |  | 498,580 |  | 16,888 |  | 22,936 |  | 24,630 |  | 9,534 |  | 927
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Guarantees and commitments - notional amount |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Guarantees (2) |  | 2,055 |  | — | ​ | — | ​ | — | ​ | — | ​ | —
Commitments (3) |  | 118,536 |  | — |  | — |  | — |  | — |  | —
​ |  | 120,591 |  | — |  | — |  | — |  | — |  | —
​
(1) | Other financial assets exclude equity shares.
(2) | NatWest Group is only called upon to satisfy a guarantee when the guaranteed party fails to meet its obligations. NatWest Group expects most guarantees it provides to expire unused.
(3) | NatWest Group has given commitments to provide funds to customers under undrawn formal facilities, credit lines and other commitments to lend subject to certain conditions being met by the counterparty. NatWest Group does not expect all facilities to be drawn, and some may lapse before drawdown.

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