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Financial Instruments - maturity analysis (Tables) | 12 Months Ended
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Dec. 31, 2023
Financial instruments - classification |
Schedule of residual maturity of financial instruments | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2023 | ​ | 2022
​ | ​ | 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 |  | 104,262 |  | — |  | 104,262 |  | 144,832 |  | — |  | 144,832
Trading assets |  | 36,723 |  | 8,828 |  | 45,551 |  | 35,944 |  | 9,633 |  | 45,577
Derivatives |  | 29,839 |  | 49,065 |  | 78,904 |  | 38,107 |  | 61,438 |  | 99,545
Settlement balances |  | 7,231 |  | — |  | 7,231 |  | 2,572 |  | — |  | 2,572
Loans to banks - amortised cost | ​ | 6,650 | ​ | 264 | ​ | 6,914 | ​ | 6,872 | ​ | 267 | ​ | 7,139
Loans to customers - amortised cost | ​ | 87,663 | ​ | 293,770 | ​ | 381,433 | ​ | 84,289 | ​ | 282,051 | ​ | 366,340
Other financial assets |  | 10,192 |  | 40,910 |  | 51,102 |  | 6,128 |  | 24,767 |  | 30,895
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Liabilities |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Bank deposits |  | 8,954 | ​ | 13,236 | ​ | 22,190 | ​ | 7,799 | ​ | 12,642 | ​ | 20,441
Customer deposits |  | 424,893 |  | 6,484 |  | 431,377 |  | 448,821 |  | 1,497 |  | 450,318
Settlement balances |  | 6,645 |  | — |  | 6,645 |  | 2,012 |  | — |  | 2,012
Trading liabilities |  | 45,349 |  | 8,287 |  | 53,636 |  | 42,760 |  | 10,048 |  | 52,808
Derivatives | ​ | 30,721 | ​ | 41,674 | ​ | 72,395 | ​ | 39,331 | ​ | 54,716 | ​ | 94,047
Other financial liabilities |  | 20,310 |  | 34,779 |  | 55,089 |  | 13,796 |  | 35,311 |  | 49,107
Subordinated liabilities |  | 1,047 |  | 4,667 |  | 5,714 |  | 973 |  | 5,287 |  | 6,260
Notes in circulation | ​ | 3,237 | ​ | — | ​ | 3,237 | ​ | 3,218 | ​ | — | ​ | 3,218
Lease liabilities |  | 102 |  | 568 |  | 670 |  | 137 |  | 981 |  | 1,118
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
2023 | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m
Assets by contractual maturity up to 20 years |  | ​ |  | ​ |  | ​ |  | ​ |  | ​ |  | ​
Cash and balances at central banks |  | 104,262 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging | ​ | 31 | ​ | 29 | ​ | 128 | ​ | 104 | ​ | 49 | ​ | 49
Settlement balances |  | 7,231 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Loans to banks - amortised cost |  | 5,234 |  | 1,437 |  | 23 |  | 302 |  | — |  | —
Loans to customers - amortised cost |  | 52,175 |  | 46,894 |  | 81,445 |  | 61,465 |  | 96,577 |  | 114,806
Other financial assets (1) | ​ | 4,897 | ​ | 6,756 | ​ | 12,304 | ​ | 11,183 | ​ | 10,019 | ​ | 8,063
Finance lease |  | 61 |  | 242 |  | 735 |  | 401 |  | 656 |  | 359
​ |  | 173,891 | ​ | 55,358 |  | 94,635 |  | 73,455 |  | 107,301 |  | 123,277
Liabilities by contractual maturity up to 20 years |  | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Bank deposits |  | 8,334 |  | 1,279 |  | 6,069 |  | 8,307 |  | — |  | —
Customer deposits |  | 393,363 |  | 31,900 |  | 6,464 |  | 11 |  | 14 |  | 19
Settlement balances |  | 6,645 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging |  | 71 |  | 175 |  | 366 |  | 192 |  | 92 |  | 8
Other financial liabilities |  | 9,094 |  | 12,319 |  | 18,843 |  | 13,818 |  | 4,769 |  | 346
Subordinated liabilities | ​ | 72 | ​ | 1,167 | ​ | 2,301 | ​ | 1,512 | ​ | 1,406 | ​ | 342
Other liabilities - Notes in circulation | ​ | 3,237 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Lease liabilities |  | 30 | ​ | 79 |  | 172 |  | 111 |  | 175 |  | 132
​ |  | 420,846 |  | 46,919 |  | 34,215 |  | 23,951 |  | 6,456 |  | 847
Guarantees and commitments - notional amount |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Guarantees (2) |  | 2,820 |  | — | ​ | — | ​ | — | ​ | — | ​ | —
Commitments (3) |  | 112,807 |  | — |  | — |  | — |  | — |  | —
​ |  | 115,627 |  | — |  | — |  | — |  | — |  | —
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 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 |  | — |  | — |  | — |  | — |  | —
​
(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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