10. General administrative costs

General administrative costs	12 months ended 31.12.2020	12 months ended 31.12.2019
Personnel expenses	(1,183,050)	(1 368,777)
Marketing	(86,364)	(146,983)
IT and telecom expenses	(203,152)	(288,778)
Short (term leasing and operation)	(75,182)	(97,414)
Other non (personnel expenses)	(321,901)	(351,764)
Business travels	(8,565)	(21,934)
ATM and cash handling expenses	(25,410)	(7,016)
Costs of outsourcing services related to leasing operations	(3,402)	(4,604)
Borrower Support Fund Fee	(6,689)	–
Bank Guarantee Fund fee	(213,185)	(166,100)
Polish Financial Supervision Authority fee	(10,705)	(14,567)
Total general administrative expenses	(2,137,605)	(2,467,937)

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9. Net impairment allowances on financial assets and provision on contingent liabilities

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11. Personnel expenses