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

2014

2013

Costs of premises

4,841 5,051

IT costs

3,222 3,342
Voluntary personnel expenses 3,179 3,465
Travel 1,696 1,670

Sales and marketing

1,851 1,518

Total

14,789  15,046