10. General administrative costs
| General administrative costs | 12 months ended 31.12.2021 | 12 months ended 31.12.2020 (data restated) |
|---|---|---|
| Personnel expenses | (1,183,578) | (1,189,935) |
| Marketing | (102,155) | (84,590) |
| IT and telecom expenses | (220,753) | (203,152) |
| Short-term leasing and operation | (63,944) | (75,182) |
| Other non-personnel expenses | (384,354) | (323,479) |
| Business travels | (6,773) | (8,565) |
| ATM and cash handling expenses | (22,746) | (25,410) |
| Costs of outsourcing services related to leasing operations | (2,915) | (3,402) |
| Bank Guarantee Fund fee | (143,352) | (213,185) |
| Cost of PFSA supervision | (13,406) | (10,705) |
| Total general administrative expenses | (2,143,976) | (2,137,605) |
In the line Other non –personnel expenses are presented expenses related to legal services to court cases related to CHF loans in the amount of PLN 82 016 thousand in2021 (2020 PLN 12 872 thousand).
In 2021, the Bank changed the presentation of settlements with a subsidiary Leasing in terms of intermediation in the sale of the company’s products, this change took place in the fourth quarter of 2021 and had an impact on the line Other non-personnel expenses and Other operating income (Note 13).