Note 4 - Operating expenses

Parent bank   Group
2011 30 Sept 2011 30 Sept 2012   30 Sept 2012 30 Sept 2011 2011
  528 414   462 Personnel expenses   690   614   810
  167 119   129 IT costs   145   131   185
23   17 17 Postage and transport of valuables 20 19 27
38   25 27 Marketing 36 34 50
38   27 30 Ordinary depreciation  74 63 87
  119   89 93 Operating expenses, real properties 73 69 95
47   29 37 Purchased services 43 36 55
  129   74 87 Other operating expense   136   103   173
1,089 794   883 Total other operating expenses 1,217 1,070 1,482
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