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	2015	2014	2013
Income on insurance and reinsurance contracts	3,678	3,622	3,761
Financial income from non-financial services	912	650	851
Of Which: Real estate companies	668	464	445
Rest of other operating income	403	309	383
Of Which: from rented buildings	90	65	73
Total	4,993	4,581	4,995

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	2015	2014	2013
Expenses on insurance and reinsurance contracts	2,599	2,714	2,831
Change in inventories	678	506	495
Of Which: Real estate companies	594	448	428
Rest of other operating expenses	1,607	2,200	2,507
Of Which: Contributions to guaranteed banks deposits funds	732	753	1,021
Total	4,883	5,420	5,833

financial statements 2015