33

Other operating income and expenses and assets and liabilities under insurance or reinsurance contracts

The breakdown of this item in the accompanying statement of profit or loss is as follows:

Breakdown of other operating income (Millions of euros)
	2019	2018	2017
Income from investment property and other income	119	142	145
Sales and income from provision of non-financial services	289	297	241
Other income	247	189	312
Total	655	628	698

Breakdown of other operating expenses (Millions of euros)
	2019	2018	2017
Contribution to the Deposit Guarantee Fund/National Resolution Fund	(345)	(325)	(309)
Operating expenses from investment property and other *	(127)	(320)	(358)
Changes in inventories and other expenses of non-financial activities	(249)	(263)	(211)
Expenses associated with regulators and supervisors	(14)	(12)	(11)
Other items	(306)	(232)	(239)
Total	(1,041)	(1,152)	(1,128)

(*) Includes expenses related to leased investment property.

Breakdown of income and expenses of assets and liabilities under the insurance or reinsurance business (Millions of euros)
	2019	2018	2017
Income
Insurance and reinsurance premium income *	952	987	815
Reinsurance income	(68)	(48)	8
Total	884	939	823
Expenses
Paid provisions and other expenses related to insurance activity *	(61)	(107)	(117)
Net technical provisions *	(242)	(261)	(212)
Insurance and reinsurance premiums paid	(25)	(20)	(23)
Total	(328)	(388)	(352)

(*) Net of the portion relating to financial expenses.