TMBThanachart Bank Public Company Limited 2) Borrowings As of 31 December 2021, total borrowings of the Bank and its subsidiaries recorded at THB68,398 million which contracted by 23.1% YTD. The YTD decline was mainly due to the redemption of TTB’s EUR bond and USD bond, amounting to THB28 billion, offsetting TTB’s USD bond and PAMCO’s bond issuance, amounting to THB5.4 billion. Figure 15: Deposits breakdown by products Current Saving Non-Transactional Deposit Time Deposit and Certificate Deposit FY2019 FY2020 FY2021 1,339 1,373 1,398 11.8% 13.6% 29.9% 47.2% 51.2% 38.5% 34.4% 29.1% 26.1% 6.6% 6.1% 5.4% Note: Consolidated financial statements Non-transactional deposit consists of “TTB No Fixed”, “ME” and “TBANK Ultra Saving”. “TTB No Fixed”, “ME” and “TBANK Ultra Saving” are classified as savings account as they are not required to maintain minimum balance and have no restriction to term of deposit Subdebt Long-term borrowing B/E FY2019 FY2020 FY2021 0.01% 0.01% 0.08% 29% 47% 50% 71% 53% 50% Figure 16: Borrowings breakdown Note: Consolidated financial statements THB billion 140
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