15. Income tax expense

	12 months ended 31.12.2020	12 months ended 31.12.2029
Current income tax	(185,611)	(197,397)
Deferred income tax	(191,861)	(60,864)
Total income tax expense	(377,472)	(258,261)
Profit before income tax	1,110,567	872,955
Statutory tax rate	19%	19%
Income taxes on gross profit	(214,190)	(169,046)
Receivables written-off	(18,369)	(18,043)
Representation expenses	(263)	(1,446)
PFRON	(1,696)	(1,950)
Prudential fee to the Bank Guarantee Fund	(40,505)	(31,559)
Tax on financial institutions	(60,593)	(53,426)
Research and development relief	10,320	20,863
Provision for claims related to CHF loans	(38,057)	–
Legal risk provisions	(8,267)	(2,763)
Other differences	(5,852)	(891)
Total income tax expense of the Group	(377,472)	(258,261)

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16. Earnings per share