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Segmental analysis - Net fees and commissions (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Fees and commissions receivable |  |  |
Payment services | £ 1,059 | £ 1,030 | £ 1,024
Credit and debit card fees | 681 | 676 | 661
Lending and financing | 794 | 729 | 701
Brokerage | 89 | 83 | 93
Investment management, trustee and fiduciary services | 304 | 266 | 269
Underwriting fees | 155 | 123 | 120
Other | 93 | 76 | 47
Total | 3,175 | 2,983 | 2,915
Fees and commissions payable | (708) | (653) | (623)
Net fees and commissions | 2,467 | 2,330 | 2,292
Operating segment |  |  |
Fees and commissions receivable |  |  |
Net fees and commissions | 2,467 | 2,330 | 2,292
Retail Banking |  |  |
Fees and commissions receivable |  |  |
Payment services | 322 | 324 | 314
Credit and debit card fees | 402 | 400 | 401
Lending and financing | 18 | 14 | 17
Brokerage | 34 | 35 | 43
Investment management, trustee and fiduciary services | 2 | 2 | 4
Other | 7 | 4 |
Total | 785 | 779 | 779
Fees and commissions payable | (377) | (352) | (357)
Net fees and commissions | 408 | 427 | 422
Retail Banking | Operating segment |  |  |
Fees and commissions receivable |  |  |
Net fees and commissions | 408 | 427 | 422
Private Banking |  |  |
Fees and commissions receivable |  |  |
Payment services | 37 | 32 | 25
Credit and debit card fees | 13 | 13 | 15
Lending and financing | 5 | 5 | 8
Brokerage | 9 | 6 | 6
Investment management, trustee and fiduciary services | 235 | 209 | 219
Other | 11 | 5 | 3
Total | 310 | 270 | 276
Fees and commissions payable | (20) | (21) | (26)
Net fees and commissions | 290 | 249 | 250
Private Banking | Operating segment |  |  |
Fees and commissions receivable |  |  |
Net fees and commissions | 290 | 249 | 250
Commercial & Institutional |  |  |
Fees and commissions receivable |  |  |
Payment services | 700 | 671 | 642
Credit and debit card fees | 261 | 260 | 227
Lending and financing | 771 | 709 | 673
Brokerage | 46 | 42 | 44
Investment management, trustee and fiduciary services | 48 | 45 | 46
Underwriting fees | 155 | 123 | 120
Other | 95 | 73 | 88
Total | 2,076 | 1,923 | 1,840
Fees and commissions payable | (311) | (269) | (260)
Net fees and commissions | 1,765 | 1,654 | 1,580
Commercial & Institutional | Operating segment |  |  |
Fees and commissions receivable |  |  |
Net fees and commissions | 1,765 | 1,654 | 1,580
Central Items and other |  |  |
Fees and commissions receivable |  |  |
Payment services |  | 3 | 43
Credit and debit card fees | 5 | 3 | 18
Lending and financing |  | 1 | 3
Investment management, trustee and fiduciary services | 19 | 10 |
Other | (20) | (6) | (44)
Total | 4 | 11 | 20
Fees and commissions payable |  | £ (11) | 20
Net fees and commissions | 4 |  | 40
Central Items and other | Operating segment |  |  |
Fees and commissions receivable |  |  |
Net fees and commissions | £ 4 |  | £ 40

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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 2024-01-01 -Paragraph 112 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_112_c&doctype=Standard -URIDate 2024-03-27 + 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 2024-01-01 -Paragraph 112 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_112_c&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of income or expense relating to fees and commissions. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 85 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_85&doctype=Standard -URIDate 2024-03-27 + Details
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