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] 1Comparative periods have been represented for presentational changes. See note 1.