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FEES AND COMMISSIONS | 12 Months Ended
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Dec. 31, 2018
Fees And Commissions |
FEES AND COMMISSIONS | NOTE 28 FEES AND COMMISSIONS This item includes the amount of fees earned and paid during the year, except for those which are an integral part of the financial instrument’s effective interest rate:
| For the years ended December 31,
| 2018 |  | 2017 |  | 2016
| MCh$ |  | MCh$ |  | MCh$
Fee and commission income |  |  |  |  |
Fees and commissions for lines of credits and overdrafts | 6,624 |  | 7,413 |  | 5,754
Fees and commissions for guarantees and letters of credit | 33,654 |  | 33,882 |  | 35,911
Fees and commissions for card services | 218,903 |  | 201,791 |  | 195,566
Fees and commissions for management of accounts | 33,865 |  | 31,901 |  | 31,540
Fees and commissions for collections and payments | 40,077 |  | 44,312 |  | 31,376
Fees and commissions for intermediation and management of securities | 10,147 |  | 10,090 |  | 9,304
Insurance brokerage fees | 39,949 |  | 36,430 |  | 40,882
Office banking | 15,921 |  | 15,669 |  | 14,145
Fees for other services rendered | 45,633 |  | 43,123 |  | 38,038
Other fees earned | 39,690 |  | 30,947 |  | 28,668
Total | 484,463 |  | 455,558 |  | 431,184
| For the years ended December 31,
| 2018 |  | 2017 |  | 2016
| MCh$ |  | MCh$ |  | MCh$
Fee and commission expense |  |  |  |  |
Compensation for card operation | (163,794) |  | (149,809) |  | (143,509)
Fees and commissions for securities transactions | (936) |  | (858) |  | (946)
Office banking | (4,096) |  | (15,283) |  | (14,671)
Other fees | (24,752) |  | (10,545) |  | (17,634)
Total | (193,578) |  | (176,495) |  | (176,760)
Net fees and commissions income | 290,885 |  | 279,063 |  | 254,424
The fees earned in transactions with letters of credit are presented in the Consolidated Statements of Income in the line item “Interest income”, The income and expenses for the commissions of the business segments are presented below and the calendar for the recognition of income from ordinary activities is opened.
| Segments |  | Revenue recognition calendar for ordinary activities
As of December 31, 2018 | Individuals and PYMEs | Companies and Institutions | Global Corporate Banking | Others | Total |  | Transferred over time | Transferred at a point in time | Accrual model
| MCh$ | MCh$ | MCh$ | MCh$ | MCh$ |  | MCh$ | MCh$ | MCh$
Commission income |  |  |  |  |  |  |  |  |
Commissions for lines of credit and overdrafts | 5,901 | 271 | 453 | (1) | 6,624 |  | 6,624 | - | -
Commissions for guarantees and letters of credit | 11,099 | 16,258 | 6,239 | 58 | 33,654 |  | 33,654 | - | -
Commissions for card services | 211,615 | 6,193 | 1,036 | 59 | 218,903 |  | 34,856 | 184,047 | -
Commissions for account management | 30,386 | 2,678 | 799 | 2 | 33,865 |  | 33,865 | - | -
Commissions for collections, collections and payments | 66,780 | 1,693 | 458 | (28,854) | 40,077 |  | - | 15,719 | 24,358
Commissions for intermediation and management of values | 4,050 | 134 | 7,221 | (1,258) | 10,147 |  | - | 10,147 | -
Remuneration for insurance commercialization | - | - | - | 39,949 | 39,949 |  | - | - | 39,949
Office banking | 11,420 | 3,893 | 608 | - | 15,921 |  | - | 15,921 | -
Other remuneration for services rendered | 40,901 | 3,833 | 819 | 80 | 45,633 |  | - | 45,633 | -
Other commissions earned | 6,908 | 9,743 | 23,320 | (281) | 39,690 |  | - | 39,690 | -
Total | 389,060 | 44,696 | 40,953 | 9,754 | 484,463 |  | 108,999 | 311,157 | 64,307
Commission expenses |  |  |  |  |  |  |  |  |
Remuneration for card operation | (159,817) | (3,186) | (134) | (657) | (163,794) |  | - | (163,794) | -
Commissions per transaction with securities | (169) | (3) | (419) | (345) | (936) |  | - | (936) | -
Office banking | (2,374) | (985) | (722) | (15) | (4,096) |  | - | (4,096) | -
Other commissions | (6,168) | (3,776) | (4,614) | (10,194) | (24,752) |  | - | (24,752) | -
Total | (168,528) | (7,950) | (5,889) | (11,211) | (193,578) |  | - | (193,578) | -
Total Net commission income and expenses | 220,532 | 36,746 | 35,064 | (1,457) | 290,885 |  | 108,999 | 117,579 | 64,307

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