15. Income tax expense
| 12 months ended 31.12.2021 | 12 months ended 31.12.2020 | |
|---|---|---|
| Current income tax | (371,099) | (185,611) |
| Deferred income tax | (68,732) | (191,861) |
| Total income tax expense | (439,831) | (377,472) |
| Profit before income tax | 616,129 | 1 110,567 |
| Statutory tax rate | 19% | 19% |
| Income taxes on gross profit | (117,065) | (214,190) |
| Receivables written-off | (20,298) | (18,369) |
| Representation expenses | (129) | (263) |
| PFRON | (1,596) | (1,696) |
| Prudential fee to the Bank Guarantee Fund | (27,237) | (40,505) |
| Tax on financial institutions | (64,241) | (60,593) |
| Research and development relief | 7,185 | 10,320 |
| Provision for claims related to CHF loans | (197,732) | (38,057) |
| Legal risk provisions | (4,296) | (8,267) |
| Other differences | (14,423) | (5,852) |
| Total income tax expense | (439,831) | (377,472) |