45. Other operating income and expenses

The breakdown of the balance under the heading “Other operating income” in the accompanying consolidated income statements is as follows:

Other Operating Income	Millions of Euros
Other Operating Income	2013	2012	2011
Income on insurance and reinsurance contracts	3,761	3,631	3,299
Financial income from non-financial services	851	807	643
Of Which: Real estate companies	445	278	177
Rest of other operating income	383	327	270
Of Which: from rented buildings	73	57	52
Total	4,995	4,765	4,212

The breakdown of the balance under the heading “Other operating expenses” in the accompanying consolidated income statements is as follows:

Other Operating Expenses	Millions of Euros
Other Operating Expenses	2013	2012	2011
Expenses on insurance and reinsurance contracts	2,831	2,646	2,425
Change in inventories	495	406	298
Of Which: Real estate companies	428	267	161
Rest of other operating expenses	2,301	1,653	1,296
Of Which: Contributions to guaranteed banks deposits funds (*)	815	668	460
Total	5,627	4,705	4,019

(*) Includes for 2013 a special contribution to the Deposit Guarantee Fund established by Royal Decree-Law 6/2013.

financial statements 2013