Note 4 - Operating expenses
| Parent bank | Group | |||||
| 2012 | 31.3.12 | 31.3.13 | 31.3.13 | 31.3.12 | 2012 | |
| 618 | 164 | 154 | Personnel expenses | 236 | 232 | 924 |
| 166 | 41 | 44 | IT costs | 50 | 46 | 187 |
| 23 | 6 | 6 | Postage and transport of valuables | 7 | 7 | 28 |
| 39 | 9 | 9 | Marketing | 11 | 12 | 49 |
| 43 | 10 | 13 | Ordinary depreciation | 30 | 23 | 102 |
| 128 | 28 | 31 | Operating expenses, real properties | 24 | 21 | 101 |
| 55 | 8 | 9 | Purchased services | 11 | 10 | 66 |
| 132 | 28 | 29 | Other operating expense | 46 | 46 | 199 |
| 1,206 | 295 | 295 | Total other operating expenses | 414 | 398 | 1,654 |
