v3.25.4

Net fee and commission income (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2025
Disclosure of fee and commission income (expense) [Abstract] |
Schedule of 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

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