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Non-interest income (Tables) | 12 Months Ended
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Dec. 31, 2024
Non-interest income |
Schedule of non-interest income | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 2024 |  | 2023 |  | 2022
Continuing operations | ​ | £m | ​ | £m | ​ | £m
Net fees and commissions (1) |  | 2,467 |  | 2,330 |  | 2,292
Trading income | ​ | ​ | ​ | ​ | ​ | ​
Foreign exchange |  | 310 | ​ | 270 | ​ | 305
Interest rate (2) |  | 687 | ​ | 595 | ​ | 752
Credit |  | (163) | ​ | (72) | ​ | 17
Changes in fair value of own debt and derivative liabilities attributable to own credit risk | ​ | ​ | ​ | ​ | ​ | ​
- debt securities in issue |  | (9) | ​ | (2) | ​ | 42
Equities, commodities and other |  | — | ​ | 3 | ​ | 17
​ |  | 825 | ​ | 794 | ​ | 1,133
Other operating income | ​ | ​ | ​ | ​ | ​ | ​
Gain/(loss) on redemption of own debt | ​ | — | ​ | 3 | ​ | (161)
Rental income on operating lease assets and investment property |  | 233 |  | 234 |  | 230
Changes in fair value of financial assets and liabilities designated at fair value through profit or loss (3) | ​ | (137) | ​ | (150) | ​ | 17
Changes in fair value of other financial assets at fair value through profit or loss (4) | ​ | 75 | ​ | 50 | ​ | (45)
Hedge ineffectiveness |  | 2 |  | 52 |  | (20)
Profit/ (loss) on disposal of amortised cost assets and liabilities |  | 5 |  | (5) |  | (15)
Loss on disposal of fair value through other comprehensive income assets |  | (19) |  | (43) |  | (168)
Profit/ (loss) on sale of property, plant and equipment |  | 31 |  | (21) |  | (5)
Share of profits/ (losses) of associated entities |  | 19 |  | (9) |  | (30)
Foreign exchange recycling (losses)/gains | ​ | (76) | ​ | 484 | ​ | 5
Other income (5) |  | 3 |  | (16) |  | 81
​ | ​ | 136 | ​ | 579 | ​ | (111)
​ | ​ | 3,428 | ​ | 3,703 | ​ | 3,314
​
(1) | Refer to Note 4 for further analysis.
(2) | Includes fair value changes on derivatives not designated in a hedge accounting relationship, and gains and losses from structural hedges.
(3) | Includes related derivatives.
(4) | Includes instruments that have failed solely payments of principal and interest testing under IFRS 9.
(5) | 2022 includes £92 million profit from insurance liabilities.

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