Note 4 - Operating expenses

Parent bank   Group
31 Dec 2012 31 Dec 2013 (NOKm) 31 Dec 2013 31 Dec 2012
  618 587 Personnel expenses 914 924
  166 187 IT costs 206 187
  23 24 Postage and transport of valuables 29 28
  39 38 Marketing 58 49
  43 53 Ordinary depreciation  118 102
  128 120 Operating expenses, real properties 118 101
  55 58 Purchased services 70 66
  132 130 Other operating expense 207 199
  1,206   1,197 Total other operating expenses 1,722   1,654
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