9. Other Operating Expense

EUR thousand

 

2023

 

2022

Rental and incidental rental expense

 

28,919

 

26,817

Security costs and other real estate expense

 

24,090

 

23,128

IT expense

 

20,419

 

16,906

Expenses for loss events

 

14,729

 

11,910

Legal, advisory and audit fees

 

12,636

 

10,468

Expenses for insurance premiums

 

10,359

 

11,311

Other personnel expenses

 

8,996

 

8,987

Distribution costs

 

7,586

 

6,073

Administrative expense and contributions

 

3,408

 

5,324

Other taxes

 

2,618

 

2,608

Training expenses

 

2,559

 

2,550

Postal and telecommunications costs

 

2,290

 

2,222

Other neutral expenses

 

1,583

 

7,570

Expenses for expected losses

 

1,410

 

7,143

Expenses for foreign exchange losses

 

1,097

 

509

Losses on asset disposals

 

553

 

97

Expenses for infrastructure measures

 

0

 

5,189

Other

 

10,838

 

10,724

Total

 

154,089

 

159,535

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