v3.25.4

Net fee and commission income | 12 Months Ended
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Dec. 31, 2025
Disclosure of fee and commission income (expense) [Abstract] |
Net fee and commission income | Note 6: Net fee and commission income
Year ended 31 December 2025 | Retail £m | Commercial Banking £m | Insurance, Pensions and Investments £m |  | Other £m |  | Total £m
Fee and commission income: |  |  |  |  |  |  |  |  |
Current accounts | 430 |  | 243 |  | – |  | – |  | 673
Credit and debit card fees | 845 |  | 479 |  | – |  | – |  | 1,324
Commercial banking and treasury fees | – |  | 434 |  | – |  | – |  | 434
Unit trust and insurance broking | – |  | – |  | 65 |  | – |  | 65
Factoring | – |  | 66 |  | – |  | – |  | 66
Other fees and commissions | 80 |  | 130 |  | 332 |  | 14 |  | 556
Total fee and commission income | 1,355 |  | 1,352 |  | 397 |  | 14 |  | 3,118
Fee and commission expense | (811) |  | (363) |  | (144) |  | (16) |  | (1,334)
Net fee and commission income | 544 |  | 989 |  | 253 |  | (2) |  | 1,784
Year ended 31 December 2024 | Retail £m | Commercial Banking £m | Insurance, Pensions and Investments £m |  | Other £m |  | Total £m
Fee and commission income: |  |  |  |  |  |  |  |  |
Current accounts | 423 |  | 221 |  | – |  | – |  | 644
Credit and debit card fees | 829 |  | 457 |  | – |  | – |  | 1,286
Commercial banking and treasury fees | – |  | 372 |  | – |  | 1 |  | 373
Unit trust and insurance broking | – |  | – |  | 71 |  | – |  | 71
Factoring | – |  | 69 |  | – |  | – |  | 69
Other fees and commissions | 74 |  | 148 |  | 261 |  | 17 |  | 500
Total fee and commission income | 1,326 |  | 1,267 |  | 332 |  | 18 |  | 2,943
Fee and commission expense | (745) |  | (334) |  | (89) |  | (16) |  | (1,184)
Net fee and commission income | 581 |  | 933 |  | 243 |  | 2 |  | 1,759
Note 6: Net fee and commission income continued
Year ended 31 December 2023 | Retail £m | Commercial Banking £m | Insurance, Pensions and Investments £m |  | Other £m |  | Total £m
Fee and commission income: |  |  |  |  |  |  |  |  |
Current accounts | 406 |  | 218 |  | – |  | – |  | 624
Credit and debit card fees | 800 |  | 464 |  | – |  | – |  | 1,264
Commercial banking and treasury fees | – |  | 334 |  | – |  | – |  | 334
Unit trust and insurance broking | – |  | – |  | 69 |  | – |  | 69
Factoring | – |  | 75 |  | – |  | – |  | 75
Other fees and commissions | 85 |  | 186 |  | 264 |  | 25 |  | 560
Total fee and commission income | 1,291 |  | 1,277 |  | 333 |  | 25 |  | 2,926
Fee and commission expense | (673) |  | (322) |  | (84) |  | (16) |  | (1,095)
Net fee and commission income | 618 |  | 955 |  | 249 |  | 9 |  | 1,831
Fees and commissions which are an integral part of the effective interest rate form part of net interest income shown in note 5. Fees and commissions relating to instruments that are held at fair value through profit or loss are included within net trading income shown in note 7. In determining the disaggregation of fees and commissions the Group has considered how the nature, amount, timing and uncertainty of revenue and cash flows are affected by economic factors. It has determined that the above disaggregation by product type provides useful information that does not aggregate items that have substantially different characteristics. At 31 December 2025, the Group held on its balance sheet £174 million (31 December 2024: £163 million) in respect of services provided to customers and £92 million (31 December 2024: £75 million) in respect of amounts received from customers for services to be provided after the balance sheet date. Current unsatisfied performance obligations amount to £207 million (31 December 2024: £195 million); the Group expects to receive substantially all of this revenue by the end of 2027. Income recognised during the year included £30 million (2024: £28 million) in respect of amounts included in the contract liability balance at the start of the year and £nil (2024: nil) in respect of amounts from performance obligations satisfied in previous years. The most significant performance obligations undertaken by the Group are in respect of current accounts, the provision of other banking services for commercial customers and credit and debit card services. In respect of current accounts, the Group receives fees for the provision of bank account and transaction services such as ATM services, fund transfers, overdraft facilities and other value-added offerings. For commercial customers, alongside its provision of current accounts, the Group provides other corporate banking services including factoring and commitments to provide loan financing. Loan commitment fees are included in fees and commissions where the loan is not expected to be drawn down by the customer. The Group receives interchange and merchant fees, together with fees for overseas use and cash advances, for provision of card services to cardholders and merchants.

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