3. Fee and Commission Income and Expense

3a. Fee and commission income
01.01.2016 – 31.12.2016 01.01.2015 – 31.12.2015
Resulting from accounts service 81 351 86 103
Resulting from money transfers, cash payments and withdrawals and other payment transactions 53 855 49 650
Resulting from granted credits and loans 140 449 118 365
Resulting from guarantees and sureties granted 12 261 12 517
Resulting from payment and credit cards 147 816 135 059
Resulting from sale of insurance products 67 452 83 397
Resulting from distribution of investment funds units and other savings products 73 615 87 383
Resulting from brokerage and custody service 20 314 20 465
Resulting from investment funds managed by the Group 79 727 86 955
Other 21 167 16 386
Total 698 007 696 280
3b. Fee and commission expense
01.01.2016 – 31.12.2016 01.01.2015 – 31.12.2015
Resulting from accounts service (1 500) (1 322)
Resulting from money transfers, cash payments and withdrawals and other payment transactions (2 324) (1 951)
Resulting from granted credits and loans (19 328) (18 485)
Resulting from payment and credit cards (69 186) (60 350)
Resulting from brokerage and custody service (3 597) (3 386)
Resulting from investment funds managed by the Group (8 667) (7 599)
Other (12 381) (7 014)
Total (116 983) (100 107)
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