XML 268 R58.htm IDEA: XBRL DOCUMENT
v3.25.0.1

Financial Instruments - maturity analysis (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2024
Financial instruments - classification |
Schedule of residual maturity of financial instruments | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2024 | ​ | 2023
​ | ​ | 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 |  | 92,994 |  | — |  | 92,994 |  | 104,262 |  | — |  | 104,262
Trading assets |  | 37,168 |  | 11,749 |  | 48,917 |  | 36,723 |  | 8,828 |  | 45,551
Derivatives |  | 34,267 |  | 44,139 |  | 78,406 |  | 29,839 |  | 49,065 |  | 78,904
Settlement balances |  | 2,085 |  | — |  | 2,085 |  | 7,231 |  | — |  | 7,231
Loans to banks - amortised cost | ​ | 5,360 | ​ | 670 | ​ | 6,030 | ​ | 6,650 | ​ | 264 | ​ | 6,914
Loans to customers - amortised cost | ​ | 99,793 | ​ | 300,533 | ​ | 400,326 | ​ | 87,663 | ​ | 293,770 | ​ | 381,433
Other financial assets |  | 14,524 |  | 48,719 |  | 63,243 |  | 10,192 |  | 40,910 |  | 51,102
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Liabilities |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Bank deposits |  | 21,675 | ​ | 9,777 | ​ | 31,452 | ​ | 8,954 | ​ | 13,236 | ​ | 22,190
Customer deposits |  | 430,693 |  | 2,797 |  | 433,490 |  | 424,893 |  | 6,484 |  | 431,377
Settlement balances |  | 1,729 |  | — |  | 1,729 |  | 6,645 |  | — |  | 6,645
Trading liabilities |  | 44,683 |  | 10,031 |  | 54,714 |  | 45,349 |  | 8,287 |  | 53,636
Derivatives | ​ | 34,134 | ​ | 37,948 | ​ | 72,082 | ​ | 30,721 | ​ | 41,674 | ​ | 72,395
Other financial liabilities |  | 22,773 |  | 38,314 |  | 61,087 |  | 20,310 |  | 34,779 |  | 55,089
Subordinated liabilities |  | 1,051 |  | 5,085 |  | 6,136 |  | 1,047 |  | 4,667 |  | 5,714
Notes in circulation | ​ | 3,316 | ​ | — | ​ | 3,316 | ​ | 3,237 | ​ | — | ​ | 3,237
Lease liabilities |  | 94 |  | 536 |  | 630 |  | 102 |  | 568 |  | 670
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
2024 | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m
Assets by contractual maturity up to 20 years |  | ​ |  | ​ |  | ​ |  | ​ |  | ​ |  | ​
Cash and balances at central banks |  | 92,994 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging | ​ | 17 | ​ | 66 | ​ | 107 | ​ | 61 | ​ | 53 | ​ | 76
Settlement balances |  | 2,085 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Loans to banks - amortised cost |  | 5,080 |  | 297 |  | 612 |  | 9 |  | 23 |  | 158
Loans to customers - amortised cost |  | 59,702 |  | 56,264 |  | 82,995 |  | 63,857 |  | 99,837 |  | 123,946
Other financial assets (1) | ​ | 7,068 | ​ | 9,414 | ​ | 17,417 | ​ | 11,643 | ​ | 11,843 | ​ | 7,493
Finance lease |  | 27 |  | 89 |  | 126 |  | 105 |  | 207 |  | 325
​ |  | 166,973 | ​ | 66,130 |  | 101,257 |  | 75,675 |  | 111,963 |  | 131,998
Liabilities by contractual maturity up to 20 years |  | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Bank deposits |  | 16,914 |  | 5,315 |  | 10,114 |  | 81 |  | 79 |  | —
Customer deposits |  | 396,703 |  | 34,316 |  | 2,713 |  | 82 |  | — |  | 14
Settlement balances |  | 1,729 |  | — |  | — |  | — |  | — |  | —
Derivatives held for hedging |  | 63 |  | 343 |  | 335 |  | 271 |  | 43 |  | 2
Other financial liabilities |  | 8,305 |  | 13,501 |  | 22,869 |  | 15,350 |  | 4,710 |  | 987
Subordinated liabilities | ​ | 53 | ​ | 1,201 | ​ | 2,059 | ​ | 2,927 | ​ | 754 | ​ | 339
Other liabilities - Notes in circulation | ​ | 3,316 | ​ | — | ​ | — | ​ | — | ​ | — | ​ | —
Lease liabilities |  | 24 | ​ | 68 |  | 185 |  | 96 |  | 168 |  | 102
​ |  | 427,107 |  | 54,744 |  | 38,275 |  | 18,807 |  | 5,754 |  | 1,444
Guarantees and commitments - notional amount (2) |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Guarantees (3) |  | 3,060 |  | — | ​ | — | ​ | — | ​ | — | ​ | —
Commitments (4) |  | 132,958 |  | — |  | — |  | — |  | — |  | —
​ |  | 136,018 |  | — |  | — |  | — |  | — |  | —
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 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 (2) |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Guarantees (3) |  | 2,833 |  | — | ​ | — | ​ | — | ​ | — | ​ | —
Commitments (4) |  | 124,790 |  | — |  | — |  | — |  | — |  | —
​ |  | 127,623 |  | — |  | — |  | — |  | — |  | —
​
(1) | Other financial assets exclude equity shares.
(2) | Refer to Note 25 Memorandum items - Contingent liabilities and commitments.
(3) | 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.
(4) | 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.

X
- References No definition available. + Details
Name: | ifrs-full_DisclosureOfFinancialInstrumentsAbstract
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The disclosure of a maturity analysis for undiscounted cash flows of financial instruments (including issued financial guarantee contracts and commitments) that shows the remaining contractual maturities. + References No definition available. + Details
Name: | nwg_DisclosureOfMaturityAnalysisForUndiscountedCashFlowsOfFinancialInstrumentsTableTextBlock
Namespace Prefix: | nwg_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition The disclosure of a residual maturity analysis for financial instruments, based on contractual date of maturity. + References No definition available. + Details
Name: | nwg_MaturityAnalysisOfFinancialInstrumentsTableTextBlock
Namespace Prefix: | nwg_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration