Note 4 - Operating expenses

Parent bank   Group
2011 2012   2012 2011
528   618 Personnel expenses   924   810
167   166 IT costs   187   185
  23 23 Postage and transport of valuables 28 27
  38 39 Marketing 49 50
  38 43 Ordinary depreciation    102 87
119   128 Operating expenses, real properties   101 95
  47 55 Purchased services 66 55
129   132 Other operating expense   199   173
  1,089 1,206 Total other operating expenses 1,654 1,482
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