Banking sector: 65%
Insurance and asset management: 20%
Other financial services: 15%

Top 3 markets:

1. United Kingdom: 70%
2. Ireland: 15%
3. USA: 10%

Die NatWest Group plc generates the majority of its revenue from the traditional banking sector, reflecting its strong market position in the United Kingdom. The insurance and asset management sector also make a significant contribution, indicating a diversification of services.

The primary market remains the United Kingdom, followed by Ireland and the USA. These markets are crucial for the company as they make the largest contributions to the total revenue. The focus on these regions demonstrates the strategic orientation of NatWest Group towards established markets with stable growth potential.

Production Sites: No specific production sites, as it is a bank.

The NatWest Group plc is a financial services company and does not produce physical products. As a bank, it offers services such as account management, loans, mortgages, and asset management. These services are mainly provided in the United Kingdom, where the bank is headquartered and conducts the majority of its business operations.

Focus on Digital Banking and Technology Investments

Expansion of Sustainable Financing Offers

Customer-Oriented Services and Personalization

NatWest Group plc pursues a strategy that is strongly focused on digitization and expanding its technology platforms. The company is investing significantly in digital banking solutions to enhance customer experience and offer more efficient services. These investments aim to keep the bank competitive in an increasingly digital market environment.

Another focus is on expanding sustainable financing offers. NatWest is committed to increasing its support for environmentally friendly projects and sustainable initiatives to meet the growing demand for ESG-compliant (Environmental, Social, and Governance) investments.

In addition, NatWest is emphasizing a stronger customer orientation by developing personalized services and products that are better tailored to the individual needs of its customers. This strategy is intended to increase customer loyalty and tap into new customer segments.

Main imported raw materials/materials: Paper, IT hardware, office supplies
Main importing countries: EU countries, USA, China

The NatWest Group plc is primarily active in the financial sector and does not import raw materials in the traditional sense like a manufacturing company. Instead, it sources materials and products necessary for the operation of its branches and offices. This includes primarily paper for printed materials, IT hardware for technical equipment, and general office supplies.

These materials are mainly imported from EU countries, the USA, and China, as these regions are leading in the production of IT hardware and office supplies. The EU also offers advantages in procurement due to its proximity and trade agreements.

Return on Equity (ROE): 9.5% (2024) Market share in the British banking sector: approx. 18% (2024) Customer Satisfaction Index: 82/100 (2024)

The NatWest Group plc has a significant competitive advantage in the British banking sector, which is manifested by several factors. Their return on equity of 9.5% demonstrates a solid profitability that can be considered strong compared to many competitors in the banking sector. This indicates that the company effectively invests in its capital base and generates profits from it.

With a market share of approximately 18% in the British banking sector, NatWest is one of the leading banks in the UK. This market position allows the company to benefit from economies of scale and serve a broad customer base.

Additionally, the customer satisfaction index of 82/100 shows that NatWest is able to effectively serve its customers and ensure high customer satisfaction. This is a crucial aspect to promote customer loyalty and strengthen the competitive advantage.

Overall, NatWest's competitive advantage is based on a strong market position, solid financial performance, and high customer satisfaction.

Institutional investor share: approx. 55% (2025, estimated)

Insider purchases/sales: No significant changes (2025, estimated)

The institutional investor share in NatWest Group plc is around 55%, which is typical for large publicly traded companies. These investors include pension funds, investment funds, and other major financial institutions seeking long-term investments.

In 2025, there were no significant insider purchases or sales, indicating stable management confidence in the company's future development. Such activities are often seen as an indicator of management's assessment of the company's own stock valuation.

Market share of NatWest Group plc: Estimated at around 10% in the British banking market (2025)

Main competitors and their market shares:

1. HSBC Holdings plc: around 15%
2. Barclays plc: around 12%
3. Lloyds Banking Group plc: around 11%
4. NatWest Group plc: around 10%
5. Standard Chartered plc: around 8%
6. Santander UK plc: around 7%
7. Nationwide Building Society: around 6%
8. Virgin Money UK plc: around 4%
9. TSB Bank plc: around 3%
10. Metro Bank plc: around 2%

Economic moat of NatWest Group plc:

NatWest Group plc has a moderate economic moat, mainly characterized by its strong brand recognition and established customer base in the United Kingdom. The bank has an advantage through its extensive branch and ATM network, which is particularly important for retail customers.

Compared to competitors, HSBC has a significant advantage due to its global presence and diversification, which can be considered a stronger economic moat. Lloyds Banking Group also has a strong economic moat due to its leading position in the mortgage business in the United Kingdom.

Barclays offers a diversified approach through its investment banking division, which serves as an additional economic moat. Overall, NatWest has a solid, but not outstanding, economic moat compared to its larger and more global competitors.

Revenue growth: 3.5% (2024) Profit growth: 4.2% (2024) Return on equity: 9.8% (2024)

The NatWest Group plc achieved a moderate revenue growth of 3.5% in 2024, indicating a stable business development. The profit growth of 4.2% shows that the company was able to slightly increase its profitability, which is positive for investors.

The return on equity of 9.8% is an indicator of the efficiency with which the company utilizes its shareholders' capital. This ratio is in a solid range and suggests that NatWest is able to achieve an adequate return on invested capital.

Overall, NatWest Group demonstrates a stable financial performance with moderate growth. However, potential investors should also consider the macroeconomic conditions and regulatory developments in the banking sector that could influence future performance.

Dividend yield: 5.2% (2025, estimated)
Dividend history: Steady payouts in recent years

The NatWest Group plc has regularly distributed dividends in recent years. The estimated dividend yield for 2025 is around 5.2%, which is considered attractive compared to many other companies in the financial sector.

The reliability of NatWest's dividend payments is supported by its solid capital base and continuous profitability. Historically, the company has also paid dividends in economically challenging times, indicating strong financial stability.

However, future payouts could be influenced by regulatory changes and macroeconomic conditions affecting the entire banking industry.