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24. Fee and Commission Income and Expense

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In billions of Russian Roubles 2012 2011
Fee and commission income
Plastic cards operations 51.9 35.1
Cash and settlements transactions with individuals 48.7 41.5
Cash and settlements transactions with legal entities 47.5 42.5
Agent commissions on selling insurance contracts 17.0 14.0
Guarantees issued 7.3 4.4
Operations with foreign currencies 5.2 6.5
Cash collection 5.1 4.7
Transactions with securities 2.6 1.1
Other 3.9 2.1
Total fee and commission income 189.2 151.9
Fee and commission expense
Settlement transactions (12.3) (7.5)
Operations with foreign currencies (0.5) (0.4)
Cash collection (0.3) (0.3)
Other (5.8) (3.0)
Total fee and commission expense (18.9) (11.2)
Net fee and commission income 170.3 140.7
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24. Fee and Commission Income and Expense
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