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v3.22.4

Segmental analysis - Net fees and commissions (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020
Fees and commissions receivable |  |  |  |  |
Payment services | £ 1,024 | £ 967 |  | £ 876 |
Credit and debit card fees | 661 | 522 |  | 460 |
Lending and financing | 701 | 670 |  | 676 |
Brokerage | 93 | 96 |  | 155 |
Investment management, trustee and fiduciary services | 269 | 280 |  | 271 |
Underwriting fees | 120 | 127 |  | 183 |
Other | 47 | 32 |  | 83 |
Total | 2,915 | 2,694 | [1] | 2,704 | [1]
Fees and commissions payable | (623) | (574) | [1] | (722) | [1]
Net fees and commissions | 2,292 | 2,120 |  | 1,982 |
Retail Banking |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Payment services | 314 | 306 |  | 264 |
Credit and debit card fees | 401 | 344 |  | 299 |
Lending and financing | 17 | 13 |  | 42 |
Brokerage | 43 | 48 |  | 54 |
Investment management, trustee and fiduciary services | 4 | 3 |  | 3 |
Other |  |  |  | 1 |
Total | 779 | 714 |  | 663 |
Fees and commissions payable | (357) | (337) |  | (284) |
Net fees and commissions | 422 | 377 |  | 379 |
Private Banking |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Payment services | 25 | 35 |  | 28 |
Credit and debit card fees | 15 | 10 |  | 9 |
Lending and financing | 8 | 10 |  | 7 |
Brokerage | 6 | 6 |  | 6 |
Investment management, trustee and fiduciary services | 219 | 230 |  | 225 |
Other | 3 | 35 |  | 26 |
Total | 276 | 326 |  | 301 |
Fees and commissions payable | (26) | (68) |  | (44) |
Net fees and commissions | 250 | 258 |  | 257 |
Commercial & Institutional |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Payment services | 642 | 577 |  | 543 |
Credit and debit card fees | 227 | 149 |  | 131 |
Lending and financing | 673 | 643 |  | 625 |
Brokerage | 44 | 42 |  | 94 |
Investment management, trustee and fiduciary services | 46 | 45 |  | 41 |
Underwriting fees | 120 | 127 |  | 183 |
Other | 88 | 109 |  | 89 |
Total | 1,840 | 1,692 |  | 1,706 |
Fees and commissions payable | (260) | (252) |  | (403) |
Net fees and commissions | 1,580 | 1,440 |  | 1,303 |
Central Items and other |  |  |  |  |
Fees and commissions receivable |  |  |  |  |
Payment services | 43 | 49 |  | 41 |
Credit and debit card fees | 18 | 19 |  | 21 |
Lending and financing | 3 | 4 |  | 2 |
Brokerage |  |  |  | 1 |
Investment management, trustee and fiduciary services |  | 2 |  | 2 |
Other | (44) | (112) |  | (33) |
Total | 20 | (38) |  | 34 |
Fees and commissions payable | 20 | 83 |  | 9 |
Net fees and commissions | £ 40 | £ 45 |  | £ 43 |
[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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