natwest group plc
natwest group plc Company Information
Company Number
SC045551
Next Accounts
Jun 2025
Shareholders
undisclosed
Group Structure
View All
Industry
Activities of financial services holding companies
Registered Address
36 st andrew square, edinburgh, EH2 2YB
Website
http://rbs.comnatwest group plc Estimated Valuation
Pomanda estimates the enterprise value of NATWEST GROUP PLC at £69.5b based on a Turnover of £25.4b and 2.74x industry multiple (adjusted for size and gross margin).
natwest group plc Estimated Valuation
Pomanda estimates the enterprise value of NATWEST GROUP PLC at £67.4b based on an EBITDA of £6.7b and a 10.13x industry multiple (adjusted for size and gross margin).
natwest group plc Estimated Valuation
Pomanda estimates the enterprise value of NATWEST GROUP PLC at £61.9b based on Net Assets of £37.2b and 1.67x industry multiple (adjusted for liquidity).
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Natwest Group Plc Overview
Natwest Group Plc is a live company located in edinburgh, EH2 2YB with a Companies House number of SC045551. It operates in the activities of financial services holding companies sector, SIC Code 64205. Founded in March 1968, it's largest shareholder is undisclosed with a 100% stake. Natwest Group Plc is a mature, mega sized company, Pomanda has estimated its turnover at £25.4b with high growth in recent years.
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Natwest Group Plc Health Check
Pomanda's financial health check has awarded Natwest Group Plc a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 3 areas for improvement. Company Health Check FAQs
6 Strong
2 Regular
3 Weak
Size
annual sales of £25.4b, make it larger than the average company (£11.7m)
£25.4b - Natwest Group Plc
£11.7m - Industry AVG
Growth
3 year (CAGR) sales growth of 23%, show it is growing at a faster rate (9.2%)
23% - Natwest Group Plc
9.2% - Industry AVG
Production
with a gross margin of 78.9%, this company has a comparable cost of product (78.9%)
78.9% - Natwest Group Plc
78.9% - Industry AVG
Profitability
an operating margin of 24.3% make it more profitable than the average company (9.5%)
24.3% - Natwest Group Plc
9.5% - Industry AVG
Employees
with 119702 employees, this is above the industry average (65)
- Natwest Group Plc
65 - Industry AVG
Pay Structure
on an average salary of £32.6k, the company has a lower pay structure (£83k)
- Natwest Group Plc
£83k - Industry AVG
Efficiency
resulting in sales per employee of £212k, this is equally as efficient (£212k)
- Natwest Group Plc
£212k - Industry AVG
Debtor Days
it gets paid by customers after 8109 days, this is later than average (46 days)
8109 days - Natwest Group Plc
46 days - Industry AVG
Creditor Days
its suppliers are paid after 43298 days, this is slower than average (48 days)
43298 days - Natwest Group Plc
48 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Natwest Group Plc
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 8 weeks, this is less cash available to meet short term requirements (27 weeks)
8 weeks - Natwest Group Plc
27 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 94.6%, this is a higher level of debt than the average (54.1%)
94.6% - Natwest Group Plc
54.1% - Industry AVG
NATWEST GROUP PLC financials
Natwest Group Plc's latest turnover from December 2023 is £25.4 billion and the company has net assets of £37.2 billion. According to their latest financial statements, we estimate that Natwest Group Plc has 119,702 employees and maintains cash reserves of £104.3 billion as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 25,382,000,000 | 15,776,000,000 | 12,785,000,000 | 13,552,000,000 | 18,429,000,000 | 16,656,000,000 | 16,063,000,000 | 15,945,000,000 | 16,890,000,000 | 19,846,000,000 | 23,131,000,000 | 25,901,000,000 | 34,346,000,000 | 42,646,000,000 | 48,739,000,000 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | 6,178,000,000 | 5,132,000,000 | 4,032,000,000 | -481,000,000 | 4,232,000,000 | 3,359,000,000 | 2,239,000,000 | -4,082,000,000 | -2,703,000,000 | 2,643,000,000 | -8,849,000,000 | -5,277,000,000 | -1,190,000,000 | -399,000,000 | -2,647,000,000 |
| Interest Payable | |||||||||||||||
| Interest Receivable | |||||||||||||||
| Pre-Tax Profit | 6,178,000,000 | 5,132,000,000 | 4,032,000,000 | -481,000,000 | 4,232,000,000 | 3,359,000,000 | 2,239,000,000 | -4,082,000,000 | -2,703,000,000 | 2,643,000,000 | -8,849,000,000 | -5,277,000,000 | -1,190,000,000 | -399,000,000 | -2,647,000,000 |
| Tax | -1,434,000,000 | -1,275,000,000 | -996,000,000 | -74,000,000 | -432,000,000 | -1,208,000,000 | -824,000,000 | -1,166,000,000 | -23,000,000 | -1,909,000,000 | 372,000,000 | -441,000,000 | -1,127,000,000 | -634,000,000 | 429,000,000 |
| Profit After Tax | 4,744,000,000 | 3,857,000,000 | 3,036,000,000 | -555,000,000 | 3,800,000,000 | 2,151,000,000 | 1,415,000,000 | -5,248,000,000 | -2,726,000,000 | 734,000,000 | -8,477,000,000 | -5,718,000,000 | -2,317,000,000 | -1,033,000,000 | -2,218,000,000 |
| Dividends Paid | 1,011,000,000 | 381,000,000 | 1,193,000,000 | 699,000,000 | 4,200,000,000 | 313,000,000 | |||||||||
| Retained Profit | 4,636,000,000 | 3,857,000,000 | 2,257,000,000 | -753,000,000 | 3,539,000,000 | 2,159,000,000 | 1,380,000,000 | -6,451,000,000 | -1,594,000,000 | -3,470,000,000 | -8,597,000,000 | -5,842,000,000 | -2,242,000,000 | -5,201,000,000 | -2,985,000,000 |
| Employee Costs | 3,901,000,000 | 3,716,000,000 | 3,676,000,000 | 3,878,000,000 | 4,018,000,000 | 4,122,000,000 | 4,676,000,000 | 5,124,000,000 | 5,726,000,000 | 5,757,000,000 | 6,086,000,000 | 8,188,000,000 | 8,356,000,000 | 9,671,000,000 | 7,845,000,000 |
| Number Of Employees | 60,000 | 59,200 | 61,400 | 64,200 | 67,600 | 73,400 | 82,400 | 88,800 | 92,800 | 97,900 | 142,600 | 153,400 | 166,400 | ||
| EBITDA* | 6,651,000,000 | 5,665,000,000 | 4,568,000,000 | 141,000,000 | 4,232,000,000 | 3,359,000,000 | 2,239,000,000 | -4,082,000,000 | -2,703,000,000 | 2,643,000,000 | -8,849,000,000 | -5,277,000,000 | -1,190,000,000 | -399,000,000 | -2,647,000,000 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 6,170,000,000 | 5,425,000,000 | 5,355,000,000 | 5,763,000,000 | 6,342,000,000 | 7,096,000,000 | 505,955,000,000 | 591,854,000,000 | 535,443,000,000 | 853,504,000,000 | 984,739,000,000 | 938,717,000,000 | 1,117,717,000,000 | ||
| Intangible Assets | 7,614,000,000 | 7,116,000,000 | 6,723,000,000 | 6,655,000,000 | 6,622,000,000 | 6,616,000,000 | 6,543,000,000 | 6,480,000,000 | 6,537,000,000 | 7,781,000,000 | 12,368,000,000 | 13,545,000,000 | 14,858,000,000 | 14,448,000,000 | 17,847,000,000 |
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 13,784,000,000 | 7,116,000,000 | 12,148,000,000 | 12,010,000,000 | 6,622,000,000 | 12,379,000,000 | 12,885,000,000 | 13,576,000,000 | 512,492,000,000 | 599,635,000,000 | 547,811,000,000 | 867,049,000,000 | 999,597,000,000 | 953,165,000,000 | 1,135,564,000,000 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 563,904,000,000 | 549,496,000,000 | 578,114,000,000 | 658,160,000,000 | 622,727,000,000 | 585,989,000,000 | 620,396,000,000 | 701,591,000,000 | 211,668,000,000 | 284,071,000,000 | 381,186,000,000 | 338,382,000,000 | 383,804,000,000 | 406,732,000,000 | 457,101,000,000 |
| Group Debtors | |||||||||||||||
| Misc Debtors | |||||||||||||||
| Cash | 104,262,000,000 | 144,832,000,000 | 177,757,000,000 | 124,489,000,000 | 80,993,000,000 | 88,897,000,000 | 98,337,000,000 | 74,250,000,000 | 79,404,000,000 | 74,872,000,000 | 82,659,000,000 | 79,290,000,000 | 79,269,000,000 | 57,014,000,000 | 52,261,000,000 |
| misc current assets | 642,000,000 | 608,000,000 | 544,000,000 | 4,042,000,000 | 770,000,000 | 3,700,000,000 | 719,000,000 | 1,109,000,000 | 7,614,000,000 | 7,820,000,000 | 10,976,000,000 | 12,576,000,000 | 2,769,000,000 | ||
| total current assets | 678,889,000,000 | 712,937,000,000 | 769,844,000,000 | 787,517,000,000 | 716,417,000,000 | 681,856,000,000 | 725,171,000,000 | 785,080,000,000 | 302,916,000,000 | 451,384,000,000 | 480,067,000,000 | 445,246,000,000 | 507,270,000,000 | 500,411,000,000 | 560,922,000,000 |
| total assets | 692,673,000,000 | 720,053,000,000 | 781,992,000,000 | 799,527,000,000 | 723,039,000,000 | 694,235,000,000 | 738,056,000,000 | 798,656,000,000 | 815,408,000,000 | 1,051,019,000,000 | 1,027,878,000,000 | 1,312,295,000,000 | 1,506,867,000,000 | 1,453,576,000,000 | 1,696,486,000,000 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 634,687,000,000 | 572,674,000,000 | 720,848,000,000 | 731,117,000,000 | 655,788,000,000 | 628,256,000,000 | 661,370,000,000 | 708,966,000,000 | 690,789,000,000 | 830,929,000,000 | 851,877,000,000 | 1,045,616,000,000 | 1,180,799,000,000 | 1,105,865,000,000 | 1,287,236,000,000 |
| Group/Directors Accounts | |||||||||||||||
| other short term finances | 5,714,000,000 | 8,429,000,000 | 9,962,000,000 | 9,979,000,000 | 10,535,000,000 | 12,722,000,000 | 19,419,000,000 | 19,524,000,000 | 3,272,000,000 | 1,350,000,000 | 2,351,000,000 | 624,000,000 | 964,000,000 | 2,144,000,000 | |
| hp & lease commitments | |||||||||||||||
| other current liabilities | |||||||||||||||
| total current liabilities | 655,344,000,000 | 683,557,000,000 | 740,189,000,000 | 755,667,000,000 | 679,483,000,000 | 647,745,000,000 | 688,963,000,000 | 735,754,000,000 | 725,549,000,000 | 918,622,000,000 | 876,091,000,000 | 1,104,413,000,000 | 1,285,610,000,000 | 1,202,537,000,000 | 1,369,793,000,000 |
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | |||||||||||||||
| total long term liabilities | 172,000,000 | 8,000,000 | 7,000,000 | 9,000,000 | 754,000,000 | 763,000,000 | 14,293,000,000 | 36,428,000,000 | 76,634,000,000 | 93,045,000,000 | 139,204,000,000 | 146,438,000,000 | 175,907,000,000 | 248,957,000,000 | |
| total liabilities | 655,516,000,000 | 683,565,000,000 | 740,196,000,000 | 755,667,000,000 | 679,492,000,000 | 648,499,000,000 | 689,726,000,000 | 750,047,000,000 | 761,977,000,000 | 995,256,000,000 | 969,136,000,000 | 1,243,617,000,000 | 1,432,048,000,000 | 1,378,444,000,000 | 1,618,750,000,000 |
| net assets | 37,157,000,000 | 36,488,000,000 | 41,796,000,000 | 43,860,000,000 | 43,547,000,000 | 45,736,000,000 | 48,330,000,000 | 48,609,000,000 | 53,431,000,000 | 55,763,000,000 | 58,742,000,000 | 68,678,000,000 | 74,819,000,000 | 75,132,000,000 | 77,736,000,000 |
| total shareholders funds | 37,157,000,000 | 36,488,000,000 | 41,796,000,000 | 43,860,000,000 | 43,547,000,000 | 45,736,000,000 | 48,330,000,000 | 48,609,000,000 | 53,431,000,000 | 55,763,000,000 | 58,742,000,000 | 68,678,000,000 | 74,819,000,000 | 75,132,000,000 | 77,736,000,000 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 6,178,000,000 | 5,132,000,000 | 4,032,000,000 | -481,000,000 | 4,232,000,000 | 3,359,000,000 | 2,239,000,000 | -4,082,000,000 | -2,703,000,000 | 2,643,000,000 | -8,849,000,000 | -5,277,000,000 | -1,190,000,000 | -399,000,000 | -2,647,000,000 |
| Depreciation | 473,000,000 | 533,000,000 | 536,000,000 | 622,000,000 | |||||||||||
| Amortisation | |||||||||||||||
| Tax | -1,434,000,000 | -1,275,000,000 | -996,000,000 | -74,000,000 | -432,000,000 | -1,208,000,000 | -824,000,000 | -1,166,000,000 | -23,000,000 | -1,909,000,000 | 372,000,000 | -441,000,000 | -1,127,000,000 | -634,000,000 | 429,000,000 |
| Stock | |||||||||||||||
| Debtors | 14,408,000,000 | -28,618,000,000 | -80,046,000,000 | 35,433,000,000 | 36,738,000,000 | -34,407,000,000 | -81,195,000,000 | 489,923,000,000 | -72,403,000,000 | -97,115,000,000 | 42,804,000,000 | -45,422,000,000 | -22,928,000,000 | -50,369,000,000 | 457,101,000,000 |
| Creditors | 62,013,000,000 | -148,174,000,000 | -10,269,000,000 | 75,329,000,000 | 27,532,000,000 | -33,114,000,000 | -47,596,000,000 | 18,177,000,000 | -140,140,000,000 | -20,948,000,000 | -193,739,000,000 | -135,183,000,000 | 74,934,000,000 | -181,371,000,000 | 1,287,236,000,000 |
| Accruals and Deferred Income | |||||||||||||||
| Deferred Taxes & Provisions | |||||||||||||||
| Cash flow from operations | |||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | |||||||||||||||
| Other Short Term Loans | 5,714,000,000 | -8,429,000,000 | -1,533,000,000 | -17,000,000 | -556,000,000 | -2,187,000,000 | -6,697,000,000 | -105,000,000 | 16,252,000,000 | 1,922,000,000 | -1,001,000,000 | 1,727,000,000 | -340,000,000 | -1,180,000,000 | 2,144,000,000 |
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | |||||||||||||||
| cash flow from financing | |||||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -40,570,000,000 | -32,925,000,000 | 53,268,000,000 | 43,496,000,000 | -7,904,000,000 | -9,440,000,000 | 24,087,000,000 | -5,154,000,000 | 4,532,000,000 | -7,787,000,000 | 3,369,000,000 | 21,000,000 | 22,255,000,000 | 4,753,000,000 | 52,261,000,000 |
| overdraft | |||||||||||||||
| change in cash | -40,570,000,000 | -32,925,000,000 | 53,268,000,000 | 43,496,000,000 | -7,904,000,000 | -9,440,000,000 | 24,087,000,000 | -5,154,000,000 | 4,532,000,000 | -7,787,000,000 | 3,369,000,000 | 21,000,000 | 22,255,000,000 | 4,753,000,000 | 52,261,000,000 |
natwest group plc Credit Report and Business Information
Natwest Group Plc Competitor Analysis
Perform a competitor analysis for natwest group plc by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mega companies, companies in EH2 area or any other competitors across 12 key performance metrics.
natwest group plc Ownership
NATWEST GROUP PLC group structure
Natwest Group Plc has 7 subsidiary companies.
Ultimate parent company
NATWEST GROUP PLC
SC045551
7 subsidiaries
natwest group plc directors
Natwest Group Plc currently has 15 directors. The longest serving directors include Mr Franck Dangeard (May 2016) and Mr Mark Seligman (Apr 2017).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Franck Dangeard | United Kingdom | 67 years | May 2016 | - | Director |
| Mr Mark Seligman | 69 years | Apr 2017 | - | Director | |
| Ms Lena Wilson | 61 years | Jan 2018 | - | Director | |
| Ms Lena Wilson | Scotland | 61 years | Jan 2018 | - | Director |
| Mr Patrick Flynn | 64 years | Jun 2018 | - | Director | |
| Ms Katie Murray | 55 years | Jan 2019 | - | Director | |
| Mrs Alison Rose-Slade | United Kingdom | 55 years | Nov 2019 | - | Director |
| Mrs Yasmin Jetha | England | 72 years | Apr 2020 | - | Director |
| Mrs Yasmin Jetha | England | 72 years | Apr 2020 | - | Director |
| Ms Roisin Donnelly | England | 63 years | Oct 2022 | - | Director |
P&L
December 2023turnover
25.4b
+61%
operating profit
6.2b
+20%
gross margin
79%
+0.12%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
37.2b
+0.02%
total assets
692.7b
-0.04%
cash
104.3b
-0.28%
net assets
Total assets minus all liabilities
natwest group plc company details
company number
SC045551
Type
Public limited with Share Capital
industry
64205 - Activities of financial services holding companies
incorporation date
March 1968
age
57
incorporated
UK
ultimate parent company
accounts
Group
last accounts submitted
December 2023
previous names
the royal bank of scotland group public limited company (July 2020)
accountant
-
auditor
ERNST & YOUNG LLP
address
36 st andrew square, edinburgh, EH2 2YB
Bank
THE ROYAL BANK OF SCOTLAND PLC
Legal Advisor
-
natwest group plc Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We did not find charges/mortgages relating to natwest group plc.
natwest group plc Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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natwest group plc Companies House Filings - See Documents
| date | description | view/download |
|---|
