7 General and administrative expenses
| 
       in CHF thousands  | 
    
       First half 2021  | 
    
       First half 2020  | 
    
       + / – %  | 
  
| 
       Occupancy  | 
    
       – 3'031  | 
    
       – 3'033  | 
    
       – 0.1  | 
  
| 
       Expenses for IT, machinery and other equipment  | 
    
       – 12'019  | 
    
       – 12'376  | 
    
       – 2.9  | 
  
| 
       Information and communication expenses  | 
    
       – 9'683  | 
    
       – 9'685  | 
    
       – 0.0  | 
  
| 
       Marketing and public relations  | 
    
       – 2'179  | 
    
       – 2'961  | 
    
       – 26.4  | 
  
| 
       Consulting and audit fees  | 
    
       – 1'782  | 
    
       – 1'863  | 
    
       – 4.4  | 
  
| 
       Provisions for legal and litigation risks *  | 
    
       – 302  | 
    
       3'791  | 
    
       
  | 
  
| 
       Litigation, legal and representation costs  | 
    
       – 3'403  | 
    
       – 790  | 
    
       330.5  | 
  
| 
       Contributions to Deposit Protection Fund  | 
    
       – 2'310  | 
    
       – 2'391  | 
    
       – 3.4  | 
  
| 
       Other general and administrative expenses  | 
    
       – 2'886  | 
    
       – 3'574  | 
    
       – 19.2  | 
  
| 
       Total general and administrative expenses  | 
    
       – 37'596  | 
    
       – 32'882  | 
    
       14.3  | 
  
* See note 13 for details