Note 12 - Operating expenses
| Parent bank | Group | |||||||
| Fourth quarter | Jan - Dec | Jan - Dec | Fourth quarter | |||||
| 2021 | 2022 | 2021 | 2022 | (NOKm) | 2022 | 2021 | 2022 | 2021 |
| 73 | 87 | 265 | 304 | IT costs | 355 | 320 | 100 | 87 |
| 2 | 2 | 10 | 11 | Postage and transport of valuables | 14 | 14 | 3 | 4 |
| 13 | 18 | 53 | 59 | Marketing | 86 | 75 | 24 | 21 |
| 22 | 20 | 95 | 77 | Ordinary depreciation | 117 | 170 | 33 | 35 |
| 11 | 10 | 44 | 46 | Operating expenses, real properties | 55 | 53 | 9 | 9 |
| 38 | 69 | 143 | 188 | Purchased services | 217 | 173 | 75 | 43 |
| 46 | 55 | 134 | 156 | Other operating expense | 195 | 178 | 71 | 68 |
| 206 | 261 | 745 | 841 | Total other operating expenses | 1,038 | 981 | 314 | 267 |
