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Segmental analysis - Net fees and commissions (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2021 | Dec. 31, 2020 | Dec. 31, 2019
Fees and commissions receivable |  |  |  |  |
Payment services | £ 971 | £ 892 |  | £ 1,095 |
Credit and debit card fees | 522 | 460 |  | 623 |
Lending and financing | 670 | 678 |  | 994 |
Brokerage | 96 | 155 |  | 164 |
Investment management, trustee and fiduciary services | 280 | 271 |  | 278 |
Underwriting fees | 127 | 183 |  | 170 |
Other | 32 | 83 |  | 21 |
Total | 2,698 | 2,722 | [1] | 3,345 | [1]
Fees and commissions payable | (574) | (722) | [1] | (848) | [1]
Net fees and commissions | 2,124 | 2,000 |  | 2,497 |
Retail Banking |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Payment services | 306 | 264 |  | 292 |
Credit and debit card fees | 344 | 299 |  | 427 |
Lending and financing | 13 | 42 |  | 356 |
Brokerage | 48 | 54 |  | 55 |
Investment management, trustee and fiduciary services | 3 | 3 |  | 44 |
Other |  | 1 |  | 2 |
Total | 714 | 663 |  | 1,176 |
Fees and commissions payable | (337) | (284) |  | (480) |
Net fees and commissions | 377 | 379 |  | 696 |
Ulster Bank RoI |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Payment services | 53 | 57 |  | 60 |
Credit and debit card fees | 19 | 21 |  | 28 |
Lending and financing | 4 | 4 |  | 4 |
Brokerage |  | 1 |  | 8 |
Investment management, trustee and fiduciary services | 2 | 2 |  | 3 |
Other |  |  |  | 4 |
Total | 78 | 85 |  | 107 |
Fees and commissions payable | (13) | (8) |  | (12) |
Net fees and commissions | 65 | 77 |  | 95 |
Commercial Banking |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Payment services | 538 | 507 |  | 659 |
Credit and debit card fees | 147 | 129 |  | 154 |
Lending and financing | 515 | 505 |  | 510 |
Investment management, trustee and fiduciary services |  | 1 |  | 3 |
Other | 105 | 82 |  | 90 |
Total | 1,305 | 1,224 |  | 1,416 |
Fees and commissions payable | (147) | (114) |  | (104) |
Net fees and commissions | 1,158 | 1,110 |  | 1,312 |
Private Banking |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Payment services | 35 | 28 |  | 33 |
Credit and debit card fees | 10 | 9 |  | 12 |
Lending and financing | 10 | 7 |  | 3 |
Brokerage | 6 | 6 |  | 5 |
Investment management, trustee and fiduciary services | 230 | 225 |  | 186 |
Other | 35 | 26 |  | 27 |
Total | 326 | 301 |  | 266 |
Fees and commissions payable | (68) | (44) |  | (40) |
Net fees and commissions | 258 | 257 |  | 226 |
RBS International |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Payment services | 19 | 18 |  | 27 |
Credit and debit card fees | 2 | 2 |  | 2 |
Lending and financing | 54 | 34 |  | 36 |
Brokerage | 1 | 1 |  |  |
Investment management, trustee and fiduciary services | 45 | 38 |  | 41 |
Other | 4 | 3 |  | 2 |
Total | 125 | 96 |  | 108 |
Fees and commissions payable | (1) | (2) |  | (2) |
Net fees and commissions | 124 | 94 |  | 106 |
NatWest Markets |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Payment services | 20 | 18 |  | 24 |
Lending and financing | 74 | 86 |  | 85 |
Brokerage | 41 | 93 |  | 96 |
Investment management, trustee and fiduciary services |  | 2 |  | 1 |
Underwriting fees | 127 | 183 |  | 170 |
Other |  | 4 |  | 69 |
Total | 262 | 386 |  | 445 |
Fees and commissions payable | (104) | (287) |  | (360) |
Net fees and commissions | 158 | 99 |  | 85 |
Central Items and other |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Other | (112) | (33) |  | (173) |
Total | (112) | (33) |  | (173) |
Fees and commissions payable | 96 | 17 |  | 150 |
Net fees and commissions | (16) | (16) |  | (23) |
Total excluding Ulster Bank RoI |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Payment services | 918 | 835 |  | 1,035 |
Credit and debit card fees | 503 | 439 |  | 595 |
Lending and financing | 666 | 674 |  | 990 |
Brokerage | 96 | 154 |  | 156 |
Investment management, trustee and fiduciary services | 278 | 269 |  | 275 |
Underwriting fees | 127 | 183 |  | 170 |
Other | 32 | 83 |  | 17 |
Total | 2,620 | 2,637 |  | 3,238 |
Fees and commissions payable | (561) | (714) |  | (836) |
Net fees and commissions | £ 2,059 | £ 1,923 |  | £ 2,402 |
[1] | Comparative results have been re-presented from those previously published to reclassify certain items as discontinued operations as described in Note 8 to the consolidated financial statements.

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