12 Net fee and commission income

Prepayment fees and front - end fees

280

479

Administration fees

1,117

1,262

Other fees (e.g. arrangement, cancellation and waiver fees)

1,734

1,621

Total fee and commission income

3,131

3,361

Custodian fees and charges for the early repayment of debentures and notes

-350

-574

Guarantee fees related to unfunded risk participants

-3,347

-4,133

Total fee and commission expense

-3,697

-4,707