National Westminster Bank Plc Writing Assignment

NATIONAL WESTMINSTER BANK PLC
Student’s Name
Institutional Affiliation
Date
Table of Contents TOC \o "1-3" \h \z \u Introduction PAGEREF _Toc4249241 \h 3NatWest’s Competitors PAGEREF _Toc4249242 \h 5Analytical Review of Accounting Ratios PAGEREF _Toc4249243 \h 5Analytical Review PAGEREF _Toc4249244 \h 5Accounting Ratios PAGEREF _Toc4249245 \h 6Profitability ratio PAGEREF _Toc4249246 \h 6Risk Ratio PAGEREF _Toc4249247 \h 7Capital Ratio PAGEREF _Toc4249248 \h 7Efficiency Ratio PAGEREF _Toc4249249 \h 8Conclusion PAGEREF _Toc4249250 \h 8
Introduction
National West Bank PLC (NatWest) is the leading banking institution in the United Kingdom. The bank operates in the banking and financial service sector. NatWest was created in 1968 from a merger of three companies, namely National Provincial Bank, District Bank, and the Westminster (Ashby, J. 2017). Ever since, NatWest has expanded its operations through mergers and acquisitions to become one of the powerful banking institutions in the UK, competing with other rivals in the banking and service industry.
NatWest is currently headquartered in Edinburgh in Scotland, with the main geographical areas of operation in Wales and England. There are currently no expansion plans, except for community development plans that aim at pushing the bank close to its customers in the region as reported in the company’s 2018 annual report. Natwest is the brain behind the MoneySense program that targets young people between the age of five and eighteen years. According to the information from the bank’s website, the program aims at teaching young people on how to monitor development and investment in funding programs. Once young people have developed money management skills, they can then be incorporated in the national development programs or bank with the company in the future. The bank is targeting one million young people in the next two years.
NatWest’s main operating segments include personal and business banking, commercial and private services, and capital resolutions. Currently, the company is serving over fourteen million customers in Wales and England. Other operations that the company has ventured into include private banking investments in the UK and its environs, central banking business, and personal banking investments. Corporate and Institutional Banking services include loans and other services that are extended to the company’s customers and business industries within the UK. NatWest’s banking practices serve the UK and other well-connected and wealthy individuals in the region. Currently, NatWest is affiliated as a branch to the Royal Bank of Scotland (RBS). This has helped the company to expand its operations in the region to tackle competition in the service industry.
According to the information on the company’s website, NatWest has been involved in different programs that have enabled the company to maximize its services and extend how it reaches out to its clients. For instance, in 2016, the company came up with a new program of funding the IT sector and manufacturing sectors in Western Europe. NatWest Bank has maximized financial lending services to investors in Wales and Scotland where its major operations are ce...