12 Net Fee and Commission Income

	2020		2019
	AED’000		AED’000
Fee and commission income from
Credit cards related fees	13,794		22,654
Corporate finance fees	7,715		11,745
Letters of credit and letters of guarantees	9,261		11,245
Other commission income	5,887		8,041
	————————		———————-
	36,657		53,685
	————————		———————-
Fee expense on
Credit cards and others	(10,994)		(10,640)
	————————		———————-
Net fee and commission income	25,663		43,045
	=============		=============