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	2012	2011	2010
Income on insurance and reinsurance contracts	3,657	3,317	2,597
Financial income from non-financial services	826	656	647
Of Which: Real estate companies	278	177	201
Rest of other operating income	329	271	293
Of Which: Net operating income from rented buildings	57	52	59
Total	4,812	4,244	3,537

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	2012	2011	2010
Expenses on insurance and reinsurance contracts	2,660	2,436	1,815
Change in inventories	406	298	554
Of Which: Real estate companies	267	161	171
Rest of other operating expenses	1,664	1,303	871
Of Which: Contributions to guaranteed banks deposits funds	679	467	384
Total	4,730	4,037	3,240

financial statements 2012