17. Other operating income and expenses
Other operating income and expenses comprise income and costs not directly related to banking activities. Other operating income mainly includes gains on sale of housing investments, sale or liquidation of non-current assets, intangible assets and foreclosed collateral, sale of shares in a subsidiary, legal damages, fines and penalties, income from lease/rental of properties. Other operating expenses mainly include losses on sale or liquidation of non-current assets, intangible assets and foreclosed collateral, and donations made.