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v3.25.2

Segmental analysis - Net fees and commissions (Details) - GBP (£) £ in Millions | 6 Months Ended
--- | ---
Jun. 30, 2025 | Jun. 30, 2024
Fees and commissions receivable |  |
Payment services | £ 551 | £ 520
Credit and debit card fees | 346 | 334
Lending and financing | 382 | 384
Brokerage | 52 | 42
Investment management, trustee and fiduciary services | 162 | 147
Underwriting fees | 88 | 93
Other | 27 | 47
Total | 1,608 | 1,567
Fees and commissions payable | (368) | (348)
Net fees and commissions | 1,240 | 1,219
Operating segment |  |
Fees and commissions receivable |  |
Net fees and commissions | 1,240 | 1,219
Retail Banking |  |
Fees and commissions receivable |  |
Payment services | 176 | 165
Credit and debit card fees | 203 | 196
Lending and financing | 8 | 9
Brokerage | 19 | 17
Investment management, trustee and fiduciary services | 1 | 1
Other | 5 | 4
Total | 412 | 392
Fees and commissions payable | (199) | (181)
Net fees and commissions | 213 | 211
Retail Banking | Operating segment |  |
Fees and commissions receivable |  |
Net fees and commissions | 213 | 211
Private Banking & Wealth Management |  |
Fees and commissions receivable |  |
Payment services | 20 | 20
Credit and debit card fees | 10 | 6
Lending and financing | 4 | 3
Brokerage | 5 | 4
Investment management, trustee and fiduciary services | 126 | 113
Other | 2 | 6
Total | 167 | 152
Fees and commissions payable | (8) | (10)
Net fees and commissions | 159 | 142
Private Banking & Wealth Management | Operating segment |  |
Fees and commissions receivable |  |
Net fees and commissions | 159 | 142
Commercial & Institutional |  |
Fees and commissions receivable |  |
Payment services | 355 | 335
Credit and debit card fees | 133 | 130
Lending and financing | 370 | 372
Brokerage | 28 | 21
Investment management, trustee and fiduciary services | 25 | 24
Underwriting fees | 88 | 93
Other | 28 | 52
Total | 1,027 | 1,027
Fees and commissions payable | (162) | (161)
Net fees and commissions | 865 | 866
Commercial & Institutional | Operating segment |  |
Fees and commissions receivable |  |
Net fees and commissions | 865 | 866
Central items & other |  |
Fees and commissions receivable |  |
Credit and debit card fees |  | 2
Investment management, trustee and fiduciary services | 10 | 9
Other | (8) | (15)
Total | 2 | (4)
Fees and commissions payable | 1 | £ 4
Net fees and commissions | 3 |
Central items & other | Operating segment |  |
Fees and commissions receivable |  |
Net fees and commissions | £ 3 |

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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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