| Disclosure of details of fee and commission income |
The detail of fee and commission income is as follows: | | | | | | | | | | | | | EUR million | | 2025 | 2024 | 2023 | | Coming from collection and payment services | | | | | Bills | 209 | | 220 | | 232 | | | Demand accounts | 1,359 | | 1,411 | | 1,372 | | | Cards | 4,039 | | 4,067 | | 4,146 | | | Orders | 607 | | 657 | | 656 | | | Cheques and other | 140 | | 138 | | 128 | | | 6,354 | | 6,493 | | 6,534 | | | Coming from non-banking financial products | | | | | Investment funds | 1,428 | | 1,389 | | 1,037 | | | Pension funds | 238 | | 194 | | 178 | | | Insurance | 2,782 | | 2,865 | | 2,669 | | | 4,448 | | 4,448 | | 3,884 | | | Coming from Securities services | | | | | Securities underwriting and placement | 602 | | 586 | | 502 | | | Securities trading | 654 | | 452 | | 331 | | | Administration and custody | 402 | | 370 | | 354 | | | Asset management | 385 | | 254 | | 341 | | | 2,043 | | 1,662 | | 1,528 | | | Other | | | | | Foreign exchange | 848 | | 705 | | 678 | | | Commitments and financial guarantees | 718 | | 713 | | 621 | | | Commitment fees | 504 | | 491 | | 497 | | | Structure Finance | 902 | | 709 | | 551 | | | Corporate Finance | 243 | | 213 | | 136 | | | Loans granted | 259 | | 318 | | 259 | | | Loan Servicing activities | 118 | | 130 | | 45 | | | Other fees and commissions | 950 | | 952 | | 911 | | | 4,542 | | 4,231 | | 3,698 | | | 17,387 | | 16,834 | | 15,644 | |
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