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British lender NatWest reports better-than-expected annual profit

The British bank NatWest announced a profit that exceeded expectations on Friday. This was due to the progress made in its growth strategy and improvements in productivity, as well as active capital management.

NatWest, which boasted assets worth 2.2 trillion pounds - more than twice the size of British economy – is now only a fraction of this size following a multi-year strategic overhaul and restructuring to focus almost exclusively domestic business, consumer, and mortgage lending.

"We are on a positive trajectory and have a clear vision to be successful with our customers, as we build a bank that is simpler, more technology-driven and integrated. We can make an even bigger impact," said Chief Executive Paul Thwaite.

Pretax operating profits reached 6.2 billion pound ($7.79billion) for the period ended December 31. This is in line with levels of 2023 and exceeds analysts' expectations of 6.1billion pounds.

The shares of NatWest rose 109% over the past 12 months as investors flocked to the lender due to its capital redistribution program worth 4 billion pounds and its recent acquisition spree, which emphasized the lender's ambitions for its home loan business in the face of fierce competition.

Stocks fell as much as 2,2% following the results. However, they recovered some of these losses and were last down 1,5% at 430pence. They reached their highest level since 2011 earlier this week.

Thwaite has put the bank on the map for deal-making in 2024, after purchasing assets worth several billions pounds from retailers Sainsbury's & Metro Bank in the summer of last year. He also hinted on Friday that more deals were to come.

Thwaite said that "in respect of acquisitions it's a high bar", adding that the strength of the bank should not be understated. He added that it would continue considering inorganic opportunities which created shareholder value or scale, as well as new capabilities.

NatWest has set a new target for its performance, aiming to achieve a return of tangible equity between 15-16% by 2025, and more than 15% by 2027. However, it still needs to work hard to maintain its share of the UK mortgage market following Nationwide’s acquisition of Virgin Money.

The Financial Times reported on Friday that NatWest held discussions with Santander, a Spanish bank, about a possible acquisition of the UK division.

The Spanish lender has insisted that the business was not for sale despite its executives' public comments about its high capital costs compared to other parts. NatWest declined to comment.

LOAN GROWTH

NatWest's optimistic forecast and profit growth in 2024 contrast with the uncertainty of Britain's economy. The country has been affected by concerns about slowing economic growth, weakening public finances, and a possible global trade war led Donald Trump.

Analysts at Jefferies noted that the NatWest results supported "the entire thesis of the bank, and indeed the whole sector", noting that the shares are already well-supported.

In its sixth consecutive year, the lender has seen total loans increase by 3.5%. In 2024, the lender expects to see a drop in impairments from 578 millions pounds in 2020 to 359million pounds in 2024.

The UK taxpayers' stake in NatWest fell to 7% last Friday. This is down from 38% as recently as December 2023. NatWest will return to private ownership in this year, following its 45 billion pound government bailout in 2008 during the financial crisis.

(source: Reuters)