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)

  2020 2019 2018
Contingent liabilities 161 162 156
Credit facility drawdowns 70 51 50
Exchange of foreign currencies and banknotes 99 94 97
Collection and payment services 934 1,023 1,028
Of which: credit and debit cards 423 506 529
Securities services 102 81 96
Marketing of non-banking financial products 1,164 1,120 1,121
Other fees and commissions 381 409 350
TOTAL 2,911 2,940 2,898

Breakdown of fee and commission expenses (Millions of euros)

    2020 2019 2018
Assigned to other entities and correspondents (105) (99) (104)
Of which: transactions with cards and ATMs (89) (88) (97)
Securities transactions (25) (25) (24)
Other fees and commissions (205) (218) (187)
TOTAL (335) (342) (315)