NatWest Group

(7) The pro forma CET1 ratio at 30 September 2026 excludes foreseeable items of £1,564 million: £1,329 million for ordinary dividends and £235 million foreseeable charges (30 June 2026 excludes foreseeable items of £1,959 million: £1,517 million for ordinary dividends and £442 million foreseeable charges.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

31 December 2025 excludes foreseeable items of £2,758 million: £1,837 million for ordinary dividends and £921 million foreseeable charges).

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

TNAV per share of 359 pence was unchanged in the quarter, with attributable profit offset by the interim dividend payment and movements in the cash flow hedging reserve.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

• An impairment charge of £192 million, compared with a £96 million charge in Q2 2026, largely driven by the non-repeat of Q2 2026 one-off releases including the Q2 2026 multiple economic scenarios update, post model adjustments releases and benefit from an unsecured debt sale.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

Forward-looking statements Cautionary statement regarding forward-looking statements Certain sections in this document contain ‘forward-looking statements’ as that term is defined in the United States Private Securities Litigation Reform Act of 1995, such as statements with respect to NatWest Group’s financial condition, results of operations and business, including its strategic priorities, financial, investment and capital targets, and climate and sustainability-related targets, commitments and ambitions described herein.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

Limitations inherent to forward-looking statements These statements are based on current plans, expectations, estimates, targets and projections, and are subject to significant inherent risks, uncertainties and other factors, both external and relating to NatWest Group’s strategy or operations, which may result in NatWest Group being unable to achieve the current plans, expectations, estimates, targets, projections and other anticipated outcomes expressed or implied by such forward-looking statements.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

Important factors that could affect the actual outcome of the forward-looking statements We caution you that a large number of important factors could adversely affect our results or our ability to implement our strategy, cause us to fail to meet our targets, predictions, expectations and other anticipated outcomes or affect the accuracy of forward-looking statements described in this document.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

Accordingly, disclosures relating to sustainability-related funding, financing and facilitation should be read in the context of NatWest Group’s broader balance sheet, risk profile and funding, financing and facilitation activities, and should not be interpreted as indicative of NatWest Group’s overall funding, financing or facilitation strategy.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

Our strategy is consistently delivering sector-leading growth and returns, with a Return on Equity of 14.1% for the year to date and Return on Tangible Equity of 20.2% for the year to date, supported by greater income diversification, disciplined cost management and strong capital generation.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

litigation and conduct) was 45.7% for the year to date, 2.1 percentage points lower than last year supported by gross cost savings of around £420 million.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

litigation and conduct) (1) 45.7% 47.8% (2.1%) 45.1% 45.5% (0.4%) 45.8% (0.7%) Loan impairment rate (1) 21bps 17bps 4bps 24bps 13bps 11bps 15bps 9bps Profit attributable to ordinary shareholders £4,567m £4,086m 11.8% £1,532m £1,603m (4.4%) £1,598m (4.1%) Total earnings per share attributable to ordinary shareholders - basic 57.4p 50.7p 6.7p 19.3p 20.1p (0.8p) 19.8p (0.5p) Return on Tangible Equity (RoTE) (1) 20.2% 19.5% 0.7% 21.6% 21.0% 0.6% 22.3% (0.7%) Climate and transition finance (1,2) £30,459m £7,569m nm £7,316m £12,666m (42.2%) £7,569m (3.3%) nm = not meaningful.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

litigation and conduct) was 45.7% for the year to date, 2.1 percentage points lower than last year as we continue to make progress towards becoming a simpler, more agile and technology driven bank.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

litigation and conduct) improved from 42.8% in Q3 2025 to 39.7% in Q3 2026.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

litigation and conduct) (1) 64.0% 60.9% 60.6% Loan impairment rate (1) 8bps - 6bps AUM net flows (£bn) (1) 1.0 1.1 0.6 AUMA income (1,2) 225 92 81 As at 30 September 30 June 31 December 2026 2026 2025 £bn £bn £bn Net loans to customers (amortised cost) 19.0 19.0 18.9 Customer deposits 41.1 41.4 42.7 RWAs 12.5 12.4 11.4 Assets under management and administration (AUMA) (1) 132.4 130.6 58.5 of which: Assets under management (AUM) (1) 118.0 116.4 43.7 Assets under administration (AUA) (1) 14.4 14.2 14.8 Customer assets and liabilities (CAL) (1,3) 191.6 190.1 119.0 Private Banking & Wealth Management is broadening its client proposition through Evelyn Partners.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026

litigation and conduct) (1) 42.8% 44.9% 48.0% Loan impairment rate (1) 19bps 10bps 14bps As at 30 September 30 June 31 December 2026 2026 2025 £bn £bn £bn Net loans to customers (amortised cost) 170.4 163.7 154.2 Customer deposits 207.0 204.0 196.4 Funded assets (1) 364.2 359.1 331.4 Customer assets and liabilities (CAL) (1) 378.9 369.3 352.2 RWAs 117.2 114.5 111.9 Commercial & Institutional supports sectors central to the UK economy.

SEC original ↗NatWest Group — Earnings release (6-K report)6-KOct 30, 2026