42. 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	2014	2013	2012
Income on insurance and reinsurance contracts	3,622	3,761	3,631
Financial income from non-financial services	650	851	807
Of Which: Real estate companies	464	445	278
Rest of other operating income	309	383	327
Of Which: from rented buildings	65	73	57
Total	4,581	4,995	4,765

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	2014	2013	2012
Expenses on insurance and reinsurance contracts	2,714	2,831	2,646
Change in inventories	506	495	406
Of Which: Real estate companies	448	428	267
Rest of other operating expenses	2,200	2,507	1,653
Of Which: Contributions to guaranteed banks deposits	753	1,021	668
Total	5,420	5,833	4,705

financial statements 2014