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Net fee and commission income | 12 Months Ended
--- | ---
Dec. 31, 2024
Fee and commission income [abstract] |
Net fee and commission income | 21 Net fee and commission income
Net fee and commission income |  |  |
in EUR million | 2024 | 2023 | 2022
Fee and commission income |  |  |
Payment Services | 2,219 |  | 2,062 |  | 1,888 |
Securities business | 734 |  | 584 |  | 632 |
Insurance and other broking | 594 |  | 529 |  | 682 |
Portfolio management | 699 |  | 625 |  | 600 |
Lending business | 650 |  | 602 |  | 556 |
Financial guarantees and other commitments | 454 |  | 459 |  | 496 |
Other fee and commission income | 255 |  | 248 |  | 232 |
Total fee and commission income | 5,604 |  | 5,109 |  | 5,085 |
Fee and commission expenses |  |  |
Payment Services | 756 |  | 704 |  | 600 |
Securities business | 147 |  | 128 |  | 160 |
Distribution of products | 475 |  | 480 |  | 555 |
Other fee and commission expenses | 218 |  | 202 |  | 184 |
Total fee and commission expenses | 1,596 |  | 1,514 |  | 1,499 |
Net fee and commission income | 4,008 |  | 3,595 |  | 3,586 |
Payment services fees are earned for providing services for deposit accounts and cards, cash management and transaction processing including interchange. Securities fees and commissions are fees for securities brokerage and securities underwriting. Portfolio management fees include fees earned for asset management activities, fiduciary and related activities in which ING holds or invests assets on behalf of its customers. Fees and commissions from lending (syndication) business include income earned for lending advisory, origination, underwriting and loan commitments which are not part of the effective interest rate. Financial guarantees and other commitments fees and commissions are earned from bank guarantees, letters of credit and other trade finance related products, factoring and leasing. Fees paid for distribution of products are all fees paid for the distribution of ING’s products and services through external providers. Reference is made to Note 30 'Segments' which includes net fee and commission income, as reported to the Executive Board and the Management Board Banking, disaggregated by line of business and by geographical segment.

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- Definition The disclosure of fee and commission income (expense). [Refer: Fee and commission income (expense)] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 10 -Subparagraph e -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_10_e&doctype=Standard -URIDate 2024-03-27 + Details
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