v3.25.4

Net fee and commission income - Schedule of Fee and Commission Income (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Fee and commission income: |  |  |  |  |
Fee and commission income | £ 3,118 | £ 2,943 | [1] | £ 2,926 | [1]
Fee and commission expense | (1,334) | (1,184) | [1] | (1,095) | [1]
Net fee and commission income | 1,784 | 1,759 | [1] | 1,831 | [1]
Retail £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 1,355 | 1,326 |  | 1,291 |
Fee and commission expense | (811) | (745) |  | (673) |
Net fee and commission income | 544 | 581 |  | 618 |
Commercial Banking |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 1,352 | 1,267 |  | 1,277 |
Fee and commission expense | (363) | (334) |  | (322) |
Net fee and commission income | 989 | 933 |  | 955 |
Insurance, Pensions and Investments £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 397 | 332 |  | 333 |
Fee and commission expense | (144) | (89) |  | (84) |
Net fee and commission income | 253 | 243 |  | 249 |
Other £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 14 | 18 |  | 25 |
Fee and commission expense | (16) | (16) |  | (16) |
Net fee and commission income | (2) | 2 |  | 9 |
Current accounts |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 673 | 644 |  | 624 |
Current accounts | Retail £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 430 | 423 |  | 406 |
Current accounts | Commercial Banking |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 243 | 221 |  | 218 |
Current accounts | Insurance, Pensions and Investments £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Current accounts | Other £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Credit and debit card fees |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 1,324 | 1,286 |  | 1,264 |
Credit and debit card fees | Retail £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 845 | 829 |  | 800 |
Credit and debit card fees | Commercial Banking |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 479 | 457 |  | 464 |
Credit and debit card fees | Insurance, Pensions and Investments £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Credit and debit card fees | Other £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Commercial banking and treasury fees |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 434 | 373 |  | 334 |
Commercial banking and treasury fees | Retail £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Commercial banking and treasury fees | Commercial Banking |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 434 | 372 |  | 334 |
Commercial banking and treasury fees | Insurance, Pensions and Investments £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Commercial banking and treasury fees | Other £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 1 |  | 0 |
Unit trust and insurance broking |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 65 | 71 |  | 69 |
Unit trust and insurance broking | Retail £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Unit trust and insurance broking | Commercial Banking |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Unit trust and insurance broking | Insurance, Pensions and Investments £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 65 | 71 |  | 69 |
Unit trust and insurance broking | Other £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Factoring |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 66 | 69 |  | 75 |
Factoring | Retail £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Factoring | Commercial Banking |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 66 | 69 |  | 75 |
Factoring | Insurance, Pensions and Investments £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Factoring | Other £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 0 | 0 |  | 0 |
Other fees and commissions |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 556 | 500 |  | 560 |
Other fees and commissions | Retail £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 80 | 74 |  | 85 |
Other fees and commissions | Commercial Banking |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 130 | 148 |  | 186 |
Other fees and commissions | Insurance, Pensions and Investments £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | 332 | 261 |  | 264 |
Other fees and commissions | Other £m |  |  |  |  |
Fee and commission income: |  |  |  |  |
Fee and commission income | £ 14 | £ 17 |  | £ 25 |
[1] | 1 Comparative periods have been represented for presentational changes. See note 1.

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