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Non-interest income (Tables)

12 Months Ended

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.