8. Fee and commission income and expense

8. Fee and commission income and expense [1]

Fee and commission income	2015	2014
income from loans and advances granted	636 918	603 852
payment cards	945 904	1 271 459
maintenance of bank accounts	899 043	922 206
loans insurance	40 466	138 078
maintenance of investment and open pension funds (including management fees)	468 480	444 980
cash transactions	101 229	114 053
securities transactions	98 670	95 549
servicing foreign mass transactions	74 435	68 652
providing services of an agent for the issue of Treasury bonds	23 218	23 037
sale and distribution of court fee stamps	12 265	9 613
insurance operations	105 839	60 471
Income from insurance intermediary	7 375	2 313
Income from policies administration	6 536	5 328
Income from fund management	74 324	45 130
Other	17 604	7 700
other (comissions of Brokerage House for service of the prmiray issue and comissions for the administraiting the borrowers debt to the state budget)	187 593	145 600
From fiduciary activities	4 270	4 386
Total	3 598 330	3 901 936

Fee and commission expense	2015	2014
payment cards	(471 737)	(669 758)
acquisition services	(67 843)	(112 432)
settlement services	(29 928)	(27 845)
assets management expenses	(10 699)	(18 827)
fee and commissions for operating services provided by banks	(18 884)	(15 927)
Other (cost of fees incurred by the Brokerage House to WSE and NDFS ).	(148 611)	(123 641)
Total	(747 702)	(968 430)