7.6.11Operating and other expenses
Operating and other expenses
20242023
Salaries and wages-567-444
Social security contributions-81-62
Employee benefit charges-113-84
Employee discounts-3-3
Other short-term employee benefits-33-24
Total cost of own staff-797-617
Cost of external staff-204-146
Consultancy costs and fees-209-144
Marketing, advertising and public relations expenses-19-44
Technology and system costs-165-120
Amortisation of other intangible assets (section 7.5.1)-47-26
Depreciation of property, plant and equipment (section 7.5.2)-29-24
Restructuring provision expenses-27-58
Commission expenses-789-707
Costs associated with sale of development property-13-7
Operating expenses of wind farms and solar parks-28-29
Impairments on non-financial assets-3-13
Realised losses on derecognition of associates and joint ventures at equity method-2-
Other-73-372
Amounts attributed to insurance acquisition cash flows3822
Insurance acquisition cash flows recognised in profit or loss-8-15
Total operating and other expenses-2,376-2,300
Presentation of the operating and other expenses in the income statement
20242023
Total operating expenses are presented in the following income statement line items:
Insurance service operating expenses-1,350-1,227
Investment operating expenses-205-146
Other expenses-821-927
Total operating and other expenses-2,376-2,300

In 2023  ‘Other’ expense related mainly to an expense of € 300 million for the settlement agreement with the consumer protection organisations on the unit-linked products (€ 250 million) and an additional provision of € 50 million to facilitate individual claims of customers in distressing situations (see section 7.5.16).

Segmentation of a.s.r.'s internal workforce
Segments20242023
Non-life1,7281,810
Life752735
Asset Management771808
Banking-438
Distribution and Services2,4362,396
Holding and Other1,6871,807
Total workforce7,3737,994

Employees related to administrative activities and overhead are allocated to segment Holding and Other.