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Segmental analysis - Net fees and commissions (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
Fees and commissions receivable |  |  |  |
Payment services | £ 1,030 | £ 1,024 | £ 967 |
Credit and debit card fees | 676 | 661 | 522 |
Lending and financing | 729 | 701 | 670 |
Brokerage | 83 | 93 | 96 |
Investment management, trustee and fiduciary services | 266 | 269 | 280 |
Underwriting fees | 123 | 120 | 127 |
Other | 76 | 47 | 32 |
Total | 2,983 | 2,915 | 2,694 | [1]
Fees and commissions payable | (653) | (623) | (574) | [1]
Net fees and commissions | 2,330 | 2,292 | 2,120 | [2]
Operating segment |  |  |  |
Fees and commissions receivable |  |  |  |
Net fees and commissions | 2,330 | 2,292 | 2,120 |
Retail Banking |  |  |  |
Fees and commissions receivable |  |  |  |
Payment services | 324 | 314 | 306 |
Credit and debit card fees | 400 | 401 | 344 |
Lending and financing | 14 | 17 | 13 |
Brokerage | 35 | 43 | 48 |
Investment management, trustee and fiduciary services | 2 | 4 | 3 |
Other | 4 |  |  |
Total | 779 | 779 | 714 |
Fees and commissions payable | (352) | (357) | (337) |
Net fees and commissions | 427 | 422 | 377 |
Retail Banking | Operating segment |  |  |  |
Fees and commissions receivable |  |  |  |
Net fees and commissions | 427 | 422 | 377 |
Private Banking |  |  |  |
Fees and commissions receivable |  |  |  |
Payment services | 32 | 25 | 35 |
Credit and debit card fees | 13 | 15 | 10 |
Lending and financing | 5 | 8 | 10 |
Brokerage | 6 | 6 | 6 |
Investment management, trustee and fiduciary services | 209 | 219 | 230 |
Other | 5 | 3 | 35 |
Total | 270 | 276 | 326 |
Fees and commissions payable | (21) | (26) | (68) |
Net fees and commissions | 249 | 250 | 258 |
Private Banking | Operating segment |  |  |  |
Fees and commissions receivable |  |  |  |
Net fees and commissions | 249 | 250 | 258 |
Commercial & Institutional |  |  |  |
Fees and commissions receivable |  |  |  |
Payment services | 671 | 642 | 577 |
Credit and debit card fees | 260 | 227 | 149 |
Lending and financing | 709 | 673 | 643 |
Brokerage | 42 | 44 | 42 |
Investment management, trustee and fiduciary services | 45 | 46 | 45 |
Underwriting fees | 123 | 120 | 127 |
Other | 73 | 88 | 109 |
Total | 1,923 | 1,840 | 1,692 |
Fees and commissions payable | (269) | (260) | (252) |
Net fees and commissions | 1,654 | 1,580 | 1,440 |
Commercial & Institutional | Operating segment |  |  |  |
Fees and commissions receivable |  |  |  |
Net fees and commissions | 1,654 | 1,580 | 1,440 |
Central Items and other |  |  |  |
Fees and commissions receivable |  |  |  |
Payment services | 3 | 43 | 49 |
Credit and debit card fees | 3 | 18 | 19 |
Lending and financing | 1 | 3 | 4 |
Investment management, trustee and fiduciary services | 10 |  | 2 |
Other | (6) | (44) | (112) |
Total | 11 | 20 | (38) |
Fees and commissions payable | £ (11) | 20 | 83 |
Net fees and commissions |  | 40 | 45 |
Central Items and other | Operating segment |  |  |  |
Fees and commissions receivable |  |  |  |
Net fees and commissions |  | £ 40 | £ 45 |
[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.
[2] | 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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- Definition The amount of income recognised for brokerage fees charged by the entity. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2023-01-01 -Paragraph 112 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2023-en-r&anchor=para_112_c&doctype=Standard -URIDate 2023-03-23 + Details
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- Definition The amount of income recognised from credit-related fees and commissions. [Refer: Fee and commission income] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2023-01-01 -Paragraph 112 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2023-en-r&anchor=para_112_c&doctype=Standard -URIDate 2023-03-23 + Details
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