Note 5 Operating expenses Amounts in NOK million 2022 2021 Salaries -98.5 -121.5 Social security tax and finance tax -23.1 -27.1 Pension expenses -7.7 -7.4 Other personnel expenses -4.1 -6.0 Total personnel expenses -133.4 -162.0 The Bank has not given guarantees to any employees, board members or their related parties in 2022 or 2021. All employees, board members and their related parties that have consumer loans, credit card and deposit products in the Bank have them to the ordinary terms and conditions. All employees, in total 87 persons as at 31 December 2022 and 145 as at 31 December 2021, are covered by the Bank’s pension plan. The plan is a defined-contributed plan. The Bank is obliged to have an occupational pension plan in accordance with the Compulsory Occupational Pension Plan Act, and the Bank’s plan satisfies the requirements of the Act. See note 20 for remuneration to the management team and note 6 for information about variable remuneration. Amounts in NOK million 2022 2021 Direct marketing expenses -36.0 -32.1 IT-expenses -69.4 -67.0 Other general administrative expenses -53.5 -42.2 Total general and administrative expenses -159.0 -141.2 Insurance -1.7 -1.3 External audit and related services -2.6 -2.0 Other consultants -22.2 -13.8 Other operating expenses -16.6 -17.8 Total other expenses -43.1 -34.8 Specification of fees for external auditor. Amounts in NOK million 2022 2021 Statutory audit 1.1 1.2 Other assurance services 0.4 0.3 Tax advisory - - Other services 0.0 - Total auditor fees incl. VAT 1.5 1.5 60 Notes to the financial statements
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