Details are as follows:
| Year ended December 31, | ||||||||||||
| 2017 | 2016 | 2015 | ||||||||||
| (millions of euros) | ||||||||||||
|
Write-downs and expenses in connection with credit management |
400 | 335 | 345 | |||||||||
|
Provision charges |
228 | 144 | 330 | |||||||||
|
TLC operating fees and charges |
356 | 373 | 342 | |||||||||
|
Indirect duties and taxes |
111 | 100 | 116 | |||||||||
|
Penalties, settlement compensation and administrative fines |
33 | 44 | 292 | |||||||||
|
Association dues and fees, donations, scholarships and traineeships |
15 | 18 | 18 | |||||||||
|
Sundry expenses |
65 | 69 | 48 | |||||||||
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Total |
1,208 | 1,083 | 1,491 | |||||||||
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of which, included in the supplementary disclosure on financial instruments |
400 | 335 | 345 | |||||||||
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