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COMMISSIONS AND FEES | 12 Months Ended
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Dec. 31, 2021
COMMISSIONS AND FEES [Abstract] |
COMMISSIONS AND FEES |
23 | COMMISSIONS AND FEES
This item consists of the following:
|  | 2021 |  |  | 2020 |  |  | 2019 |
|  | S/(000) |  |  | S/(000) |  |  | S/(000) |
Maintenance of accounts, transfers and credit and debit card services (i) |  |  | 1,442,966 |  |  |  | 1,125,432 |  |  |  | 1,326,344 |
Funds and equity management |  |  | 717,227 |  |  |  | 651,370 |  |  |  | 676,456 |
Contingent loans and foreign trade fees (ii) |  |  | 459,165 |  |  |  | 372,586 |  |  |  | 372,647 |
Commissions for banking services |  |  | 301,592 |  |  |  | 263,298 |  |  |  | 282,593 |
Brokerage, securities and custody services |  |  | 121,974 |  |  |  | 110,615 |  |  |  | 95,207 |
Collection services |  |  | 107,442 |  |  |  | 90,456 |  |  |  | 131,502 |
Commissions for consulting and technical studies |  |  | 62,384 |  |  |  | 57,949 |  |  |  | 84,725 |
Commissions for salary advance and payment of services |  |  | 52,557 |  |  |  | 34,766 |  |  |  | 49,998 |
Penalty commissions |  |  | 21,420 |  |  |  | 53,859 |  |  |  | 84,757 |
Others |  |  | 207,007 |  |  |  | 152,447 |  |  |  | 128,552 |
Total |  |  | 3,493,734 |  |  |  | 2,912,778 |  |  |  | 3,232,781 |
The main variations in commissions and fees for the 2021 period with respect to the 2020 period are mainly due to the lower number of banking transactions in 2020 as a result of the lower dynamism of the economy as a consequence of COVID-19, see Note 2 (b).
| (i) | The increase is due to a higher volume of credit and debit card consumption. As well as higher commissions in 2021 for the use of the Yapecard product. Finally, higher commissions were obtained for foreign bank transfers, within the country and interbank transfers.
| (ii) | The increase is mainly due to higher commissions for letters of guarantee for legal entities, among other minor items.

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