For this bank, the non-interest income is a significant factor in the profit before tax, contributing 11 billion out of the 17.4 billion profit before tax, which is over 60%.

Taking a closer look at non-interest income, it's possible to see that this bank has been able to grow its non-interest income by 4% over the course of the year, mainly driven by an increase in trust and investment management fees and commercial products revenue.

To get further insight into the underlying drivers of these changes, for trust and investment management fees, it would be necessary to look at the change in assets under management for this business sector to understand whether this increase is due to changing fee rates or volume, as well as mix of the assets being managed for clients.

For commercial products, this includes a range of cash management, FX, and liquidity products, so further breakdown of this category would provide greater insight into the driver of this change.