Notes to the Consolidated Financial Statements

7. Other operating expenses

The following table presents the five most significant items included in other operating expenses: 

€ 000

2013

  2012

Costs of premises

5,051 4,483

IT costs

3,342

3,268

Voluntary personnel expenses 3,465 3,024
Travel 1,670 1,866

Sales and marketing

1,518 1,085

Total

 15,046 13,726