31

Fees and commissions

The breakdown of this item in the accompanying statement of profit or loss is as follows:

Breakdown of fee and commission income (Millions of euros)

2019

2018

2017

Contingent liabilities

162

156

127

Credit facility drawdowns

51

50

53

Exchange of foreign currencies and banknotes

94

97

110

Collection and payment services

1,023

1,028

914

Of which: credit and debit cards

506

529

444

Securities services

81

96

98

Marketing of non-banking financial products

1,120

1,121

989

Other fees and commissions

409

350

469

Total

2,940

2,898

2,760

Breakdown of fee and commission expenses (Millions of euros)

2019

2018

2017

Assigned to other entities and correspondents

(99)

(104)

(97)

Of which: transactions with cards and ATMs

(88)

(97)

(84)

Securities transactions

(25)

(24)

(18)

Other fees and commissions

(218)

(187)

(146)

Total

(342)

(315)

(261)