Poll

Notes to the consolidated financial statements

8. Net fee and commission income

	Period from 1 January 2013 to 31 December 2013	Period from 1 January 2012 to 31 December 2012 (restated)
	PLN ‘000	PLN ‘000
Fee and commission income, including:
originated credit facilities and loans	747	1,671
settlement and cash transactions	36,742	41,460
payment and credit cards	17,126	13,377
keeping bank accounts	10,568	5,121
sale of insurance products	3,589	3,091
other	4,234	3,321
Total	73,006	68,041

	Period from 1 January 2013 to 31 December 2013	Period from 1 January 2012 to 31 December 2012 (restated)
	PLN ‘000	PLN ‘000
Expense due to fees and commissions, including:
keeping current accounts and term deposits	14,788	11,150
managing payment cards, ATM and POS cash withdrawals	5,944	4,105
cash management services for the Group	5,574	5,189
sale of bank products	1,211	1,045
other services	3,861	3,488
Total	31,378	24,977