3 Net fee and commission income

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2007  2006  2005 
£m  £m  £m 
Fee and commission income 
Brokerage fees  109  70  64 
Investment management fees  1,787  1,535  1,250 
Securities lending  241  185  151 
Banking and credit related fees and commissions  6,363  6,031  4,805 
Foreign exchange commissions  178  184  160 
Fee and commission income  8,678  8,005  6,430 
Brokerage fees paid  (970) (828) (725)
Fee and commission expense  (970) (828) (725)
Net fee and commission income  7,708  7,177  5,705