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)

	2020	2019	2018
Income from investment property and other income	92	119	142
Sales and income from provision of non-financial services	261	289	297
Other income	296	247	189
TOTAL	649	655	628

Breakdown of other operating expenses (Millions of euros)

	2020	2019	2018
Contribution to the Deposit Guarantee Fund/National Resolution Fund	(355)	(345)	(325)
Operating expenses from investment property and other *	(114)	(127)	(320)
Changes in inventories and other expenses of non-financial activities	(233)	(249)	(263)
Expenses associated with regulators and supervisors	(14)	(14)	(12)
Other items	(289)	(306)	(232)
TOTAL	(1,005)	(1,041)	(1,152)

(*) 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)

		2020	2019	2018
Income
	Insurance and reinsurance premium income *	1,058	952	987
	Reinsurance income	49	(68)	(48)
TOTAL		1,107	884	939
Costs
	Paid provisions and other expenses related to insurance activity *	(411)	(61)	(107)
	Net technical provisions (*)	(40)	(242)	(261)
	Insurance and reinsurance premiums paid	(58)	(25)	(20)
TOTAL		(509)	(328)	(388)

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