NatWest has revealed it grew its retail banking mortgage balances by £5.1bn in 2025.
This helped to drive a 3.7% jump in the bank’s net loans to customers, which increased by £7.7bn last year.
NatWest, publishing its 2025 annual results, revealed that its retail banking division delivered an operating profit of £3.1bn, and a return on equity of 24.7%, as the bank supported 19 million retail customers.
Within this, NatWest said it had helped more customers achieve their homeownership goals with around 30% of 2025 gross mortgage lending supporting first-time buyers, and around £300m of lending through the bank’s family-backed mortgage proposition.
The bank also reported helping more than 200,000 new customers to buy or remortgage a home in 2025, a figure up 18% on 2024.
NatWest’s retail banking division also provided £2.6bn of climate and transition finance in 2025 from lending on properties with an energy performance certificate (EPC) rating of A or B.
Chief executive at NatWest, Paul Thwaite, commented: “[Last year] was another strong year for NatWest, rooted in the support we provide to people, families and businesses in every nation and region of the UK.
“We delivered broad-based growth across our three customer businesses, and our positive impact is clear to see; whether making homeownership a reality for more people, helping more customers to save and invest or supporting more businesses to scale and grow.”
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