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