10 – Personnel expenses Index5678910111213 (XLSX:) Download Personnel expenses In EUR mn 2020 2019 Wages and salaries 944 869 Costs of defined benefit plans 9 18 Costs of defined contribution plans 33 28 Net expenses for personnel reduction schemes 39 26 Other employee benefits 128 157 Taxes and social contribution 155 130 Personnel expenses 1,308 1,228 Increase of net expenses for personnel reduction schemes was mainly related to restructuring expenses from outsourcing activities in Romania. Additional details on defined benefit plans are included in Note 23 – Provisions. 9 – Other operating expenses11 – Net financial result 102-45 gri-id41:102-45