Note 4 - Other operating expenses

Parent bank   Group
31 Dec   2010 30 June 2010 30 June 2011   30 June 2011 30 June 2010 31 Dec   2010
             
  493 272   277 Personnel expenses   405   372   711
  140   68 80 IT costs 88 76   156
24   12 12 Postage and transport of valuables 14 14 27
36   18 18 Marketing 24 22 43
31   15 18 Ordinary depreciation  40 18 48
78   35 57 Operating expenses, real properties 45 42 94
42   15 19 Purchased services 24 21 52
99   43 49 Other operating expense 69 62   138
  942 479   530 Total other operating expenses before write-back of early retirement liabilities (AFP) in 2010   708   626 1,268
-117   -106   - Write-back of early retirement liabilities (AFP) in 2010   - -117 -128
  825 373   530 Total other operating expenses   708   509 1,140
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