Note 4 - Operating expenses

Parent bank    Group
31 Dec 2014 31 Dec 2015 (NOKm) 31 Dec 2015 31 Dec 2014
645 588 Personnel expenses 1,093 1,002
199 194 IT costs 240 223
21 18 Postage and transport of valuables 22 25
44 55 Marketing 96 81
40 41 Ordinary depreciation 104 109
119 123 Operating expenses, real properties 100 93
66 68 Purchased services 105 78
131 129 Other operating expenses 171 178
1,265 1,217 Total other operating expenses 1,931 1,789
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