219 Other charges in 2012 mainly include a charge of EUR 26 million related to a settlement following the termination of a Bank-Owned  Life Insurance contract in the United States and a charge of EUR 16 million related to the annual bank tax by the Hungarian  Government (2011: EUR 17 million). Other charges in 2011 mainly include EUR 37 million related to increased reserves in connection with the company’s use of the Social  Security administration’s death master file in the United States and a loss of EUR 7 million on the sale of the Guardian life and pension  business in the United Kingdom. Other charges is fully excluded from underlying earnings for segment reporting purposes (refer to note 2.4). The weighted average applicable statutory tax rate for 2013 is 32.0% (2012: 31.2%; 2011: 30.5%). The marginal increase in weighted  average applicable statutory tax rate compared to prior years is caused by an increase in losses in lower taxed countries which is partly  offset by the decreased contribution to the overall profit of the higher taxed countries. 18 Income tax  Note 2013 2012 2011 Current tax Current year 374 221 (158) Adjustments to prior year (479) 79 (22) (105) 300 (180) Deferred tax 45 Origination / (reversal) of temporary differences (229) 161 239 Changes in tax rates / bases (89) (70) (51) Changes in deferred tax assets as a result of recognition / write off of previously not  recognized / recognized tax losses, tax credits and deductible temporary  differences 1 (3) (31) Non-recognition of deferred tax assets 65 51 78 Adjustments to prior year 479 (103) (4) 227 36 231 Income tax for the period (income) / charge 123 336 51 Reconciliation between standard and effective income tax: 2013 2012 2011 Income before tax 971 1,918 938 Income tax calculated using weighted average applicable statutory rates 311 599 286 Difference due to the effects of: Non-taxable income (124) (81) (66) Non-tax deductible expenses 33 13 46 Changes in tax rate/base (89) (70) (52) Different tax rates on overseas earnings (14) (39) (39) Tax credits (56) (69) (67) Other taxes 20 18 (3) Adjustments to prior years - (24) (26) Origination and change in contingencies - 3 (62) Changes in deferred tax assets as a result of recognition/write off of previously not recognized/ recognized tax losses, tax credits and deductible temporary differences 1 (3) (31) Non-recognition of deferred tax assets 65 51 78 Tax effect of (profit) / losses from joint ventures and associates (5) (7) - Other (21) (55) (13) (189) (263) (235) Income tax for the period (income) / charge 123 336 51 The prior year adjustments include shifts between current and deferred tax. In 2013 the shift between current and deferred tax is  mainly caused by an agreement with tax authorities, resulting in an increased current tax receivable and a decreased deferred tax asset.