Note 4 - Operating expenses

Parent bank   Group
31 Dec 2013 31 Dec 2014 (NOKm) 31 Dec 2014 31 Dec 2013
592 645 Personnel expenses 1,002 923
187 199 IT costs 223 206
24 21 Postage and transport of valuables 25 29
38 44 Marketing 81 58
53 40 Ordinary depreciation  109 118
120 119 Operating expenses, real properties 93 118
58 66 Purchased services 78 71
125 131 Other operating expense 178 199
1,197 1,265 Total other operating expenses 1,789 1,721
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