Note 4 - Operating expenses

Parent bank				Group
2011	30 June 2011	30 June 2012		30 June 2012	30 June 2011	2011
528	277	312	Personnel expenses	455	405	810
167	80	81	IT costs	92	88	185
23	12	12	Postage and transport of valuables	13	14	27
38	18	17	Marketing	23	24	50
38	18	20	Ordinary depreciation	48	40	87
119	57	61	Operating expenses, real properties	48	45	95
47	19	22	Purchased services	26	24	55
129	49	61	Other operating expense	93	69	173
1.089	530	586	Total other operating expenses	799	708	1.482