28. Net Fee and Commission Income
Details of fee and commission income, and fee and commission expense for the years ended December 31, 2015, 2016 and 2017, are as follows:
| 2015 | 2016 | 2017 | ||||||||||
| (In millions of Korean won) | ||||||||||||
|
Fee and commission income |
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|
Banking activity fees |
￦ | 168,389 | ￦ | 176,968 | ￦ | 188,405 | ||||||
|
Lending activity fees |
87,790 | 79,287 | 74,858 | |||||||||
|
Credit card related fees and commissions |
1,223,221 | 1,258,704 | 1,447,560 | |||||||||
|
Debit card related fees and commissions |
340,509 | 369,329 | 400,183 | |||||||||
|
Agent activity fees |
168,135 | 172,220 | 152,028 | |||||||||
|
Trust and other fiduciary fees |
270,664 | 219,215 | 353,903 | |||||||||
|
Fund management related fees |
104,924 | 119,745 | 132,889 | |||||||||
|
Guarantee fees |
30,121 | 40,710 | 49,546 | |||||||||
|
Foreign currency related fees |
97,146 | 99,022 | 106,038 | |||||||||
|
Commissions from transfer agent services |
164,916 | 166,371 | 195,556 | |||||||||
|
Other business account commission on consignment |
30,525 | 33,707 | 33,793 | |||||||||
|
Commissions received on securities business |
88,111 | 154,966 | 450,199 | |||||||||
|
Lease fees |
38,403 | 75,737 | 144,221 | |||||||||
|
Others |
158,241 | 184,896 | 259,071 | |||||||||
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Sub-total |
2,971,095 | 3,150,877 | 3,988,250 | |||||||||
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Fee and commission expense |
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|
Trading activity related fees1 |
11,050 | 15,555 | 29,547 | |||||||||
|
Lending activity fees |
20,507 | 15,010 | 23,253 | |||||||||
|
Credit card related fees and commissions |
1,093,538 | 1,209,553 | 1,482,221 | |||||||||
|
Outsourcing related fees |
87,875 | 91,700 | 127,542 | |||||||||
|
Foreign currency related fees |
12,419 | 17,205 | 27,394 | |||||||||
|
Management fees of written-off loans |
4,065 | 4,456 | 4,176 | |||||||||
|
Other |
206,658 | 212,506 | 244,093 | |||||||||
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Sub-total |
1,436,112 | 1,565,985 | 1,938,226 | |||||||||
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Net fee and commission income |
￦ | 1,534,983 | ￦ | 1,584,892 | ￦ | 2,050,024 | ||||||
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| 1 | The fees from financial assets/liabilities at fair value through profit or loss. |