42. Fee and commission income

The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:

Fee and Commission Income	Millions of Euros
Fee and Commission Income	2013	2012	2011
Commitment fees	190	186	157
Contingent risks	316	334	302
Letters of credit	50	56	51
Bank and other guarantees	266	278	251
Arising from exchange of foreign currencies and banknotes	23	24	25
Collection and payment services income	3,095	2,881	2,560
Bills receivables	68	77	66
Current accounts	349	381	348
Credit and debit cards	1,989	1,756	1,518
Checks	237	222	228
Transfers and others payment orders	329	313	276
Rest	123	132	124
Securities services income	1,142	1,120	1,079
Securities underwriting	74	100	70
Securities dealing	205	194	192
Custody securities	323	328	329
Investment and pension funds	413	375	372
Rest assets management	127	123	116
Counseling on and management of one-off transactions	14	7	12
Financial and similar counseling services	45	41	56
Factoring transactions	37	38	33
Non-banking financial products sales	109	97	90
Other fees and commissions	507	562	560
Total	5,478	5,290	4,874

financial statements 2013