24 Fee and Commission Income and Expense

In millions of Russian Roubles 2010 2009
Fee and commission income    
Cash and settlements transactions with individuals 41,845 34,416
Cash and settlements transactions with legal entities 40,623 36,922
Plastic cards operations 23,639 17,684
Agent commissions on selling insurance contracts 9,448 550
Operations with foreign currencies 5,858 7,889
Cash collection 4,445 4,145
Guarantees issued 2,717 1,863
Transactions with securities 1,116 1,403
Other 1,258 851
Total fee and commission income 130,949 105,723
Fee and commission expense    
Settlement transactions (5,373) (3,758)
Cash collection (254) (166)
Operations with foreign currencies (101) (182)
Other (1,647) (528)
Total fee and commission expense (7,375) (4,634)
Net fee and commission income 123,574 101,089

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