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NatWest Group (NWG) investor relations material

NatWest Group Bank of America 30th Annual Financials CEO Conference 2025 summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Bank of America 30th Annual Financials CEO Conference 2025 summary16 Sep, 2025

Macroeconomic and operating environment

  • Cautious optimism prevails for the U.K. economy, with subdued but positive GDP and real wage growth.

  • Retail sales and discretionary spending remain reasonable, and recent PMI and consumer sentiment data are at multi-month highs.

  • Unemployment is stable and forecasts have not changed significantly since late last year.

  • The macro environment is seen as stable, with underlying customer activity supporting this view.

Business growth and strategy

  • Balance sheet growth has averaged 4% over six years, with recent acceleration in both deposits and assets.

  • Retail market share has increased in mortgages and unsecured credit, and commercial banking outpaces market growth.

  • Growth opportunities exist across retail, commercial, and private banking, with expanded offerings and strong customer relationships.

  • Private Banking and Wealth Management show strong momentum, with targets for client and asset growth.

Competitive landscape and income outlook

  • Retail banking remains highly competitive, especially in mortgages and deposits, but product diversification supports margins.

  • Deposit competition spiked during ISA season but has since normalized, with rational pricing returning.

  • Volume growth, recent acquisitions, and a structural hedge are expected to drive income through 2027.

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Frequently asked questions

A Pillar of British Banking

The National Westminster Bank, widely known as NatWest, is a significant name within the British banking sector and beyond. Founded in 1968 following the merger of National Provincial Bank and Westminster Bank, NatWest has grown to become a powerhouse in UK finance, offering a myriad of services and cultivating a strong reputation. The company is headquartered in the British capital and trades on the London Stock Exchange.

Pioneering Mergers in the British Banking Industry

NatWest's formation was a transformative moment in the British banking industry. The merger of National Provincial Bank and Westminster Bank, two institutions with histories dating back to the 19th century, created a banking behemoth, propelling the newly formed NatWest to the forefront of UK finance. The merger signaled the start of a new era in British banking, characterized by the consolidation of banking services under a single brand. Today, they’re still an important player in the country’s banking sector and some of their largest competitors include other large banks like Barclays and HSBC as well as several other institutions.

For Private Customers

NatWest offers a comprehensive suite of financial services for private individuals, aimed at meeting a broad spectrum of personal banking needs. Their offerings include a range of savings and checking, as well as other products and services expected from modern banks. For customers looking to buy a home or refinance an existing mortgage, NatWest provides an array of mortgage options with competitive rates. Credit card offerings from the bank are modern and meet various requirements common amongst customers with everything from rewards programs to balance transfers. The bank also offers personal loans and insurance products, investment services, retirement planning, and financial advice to help customers make decisions that are in tune with their goals. The bank operates robust online and mobile banking platforms that allow customers to manage their finances conveniently and securely from anywhere at any time.

Serving Institutional Clients

NatWest offers a comprehensive portfolio of financial products and services designed specifically to cater to the needs of institutional clients. Their Corporate & Institutional Banking division provides solutions in areas like debt financing and trade finance. The bank is experienced in providing syndicated loans, bond issuance, and structured finance, supporting clients in capital-raising activities.

In trade finance, they facilitate international business with letters of credit, guarantees, and import/export financing. NatWest Markets, the investment banking arm of the group, provides services such as currency trading, equities, fixed income, and derivatives to help institutions manage liquidity and investments. They also provide various solutions within risk management for their clients.

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