BANCO BILBAO VIZCAYA ARGENTARIA, S.A. AND ... - BBVA

45. OTHER OPERATING INCOME AND EXPENSES
The breakdown of the balance under the heading “Other operating income” in the accompanying
consolidated income statements was as follows:
Millions of Euros
Other Operating Income. Breakdown by main Items
June June
2010 2009
Income on insurance and reinsurance contracts 1,324 1,313
Financial income from non-financial services 296 229
Of which:
Real estate agencies 28 5
Rest of operating income 151 213
Of which:
Net operating profit from rented buildings 30 28
Total 1,771 1,755
The breakdown of the balance under the heading “Other operating expenses” in the accompanying
consolidated income statements was as follows:
Millions of Euros
Other Operating Expenses. Breakdown by main Item
June June
2010 2009
Expenses on insurance and reinsurance contracts 942 936
Change in inventories 259 191
Rest of operating expenses 430 360
Of which:
Contributions to guaranted banks deposits funds 175 169
Total 1,631 1,487
46. ADMINISTRATION COSTS
46.1 PERSONNEL EXPENSES
The breakdown of the balance under this heading in the accompanying consolidated income statements was
as follows:
Millions of Euros
Personnel Expenses. Breakdown by main Concepts Notes
June June
2010 2009
Wages and salaries 1,821 1,754
Social security costs 281 276
Transfers to internal pension provisions 26.2 21 22
Contributions to external pension funds 26.1 39 34
Other personnel expenses 202 205
Total 2,364 2,291
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