Natwest CEO on Earnings, Dividends, Hybrid Working

The transcript discusses NatWest's strong economic recovery, driven by mortgage growth and consumer spending. It outlines capital management strategies, including shareholder returns and digital investments. The analysis of bounce back loans shows low default rates. Cost management focuses on digital transformation and reducing branch transactions. Consumer savings and spending trends are explored, with a focus on post-pandemic behavior. The future of office space and the government's stake in NatWest are also discussed.

What strategies are being considered for the excess capital accumulated?

How is the government ownership affecting the bank's cost-cutting strategies?

What are the anticipated changes in consumer behavior regarding savings and spending post-pandemic?