TMBThanachart Bank Public Company Limited and its Subsidiaries (Formerly TMB Bank Public Company Limited and its Subsidiaries) Notes to the financial statements For the year ended 31 December 2021 79 15.5 Modified loans to customers During the year ended 31 December 2021 and 2020, the Bank and its subsidiaries have loans to customers that were modified while they had a loss allowance measured at an amount equal to lifetime ECL as follows: Consolidated 2021 2020 (in million Baht) Loans to customers modified during the year* Amortised cost before modification 8,645 15,821 Net modification loss 195 286 Bank only 2021 2020 (in million Baht) Loans to customers modified during the year* Amortised cost before modification 7,729 11,196 Net modification loss 199 281 * This excluded loans to customers modified under relief program as mentioned in note 5. There is no modification gain (loss) on these groups of customers. Consolidated 2021 2020 (in million Baht) Loans to customers modified since initial recognition Gross carrying amount of loans to customers previously modified for which loss allowance has changed during the year from lifetime ECL to an amount equal to 12-month ECL 1,358 222 Bank only 2021 2020 (in million Baht) Loans to customers modified since initial recognition Gross carrying amount of loans to customers previously modified for which loss allowance has changed during the year from lifetime ECL to an amount equal to 12-month ECL 1,093 - 15.6 Loans to customers having problems with financial position and operating results As at 31 December 2021 and 2020, the Bank and its subsidiaries had loans and accrued interest receivables due from listed companies having problems with their financial position and operating results, and set aside allowance for expected credit loss as follows: Consolidated and Bank only 2021 2020 Number of debtors Loans and accrued interest receivables Collateral Allowance for expected credit loss Number of debtors Loans and accrued interest receivables Collateral Allowance for expected credit loss (in million Baht) (in million Baht) Listed companies under delisting conditions in SET 2 - - - 1 3 - 1 323 Form 56-1 One Report 2021
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