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 80 15.7 Hire purchase and finance lease receivables Consolidated and Bank only 2021 Portion due after one year Portion due but within Portion due within one year five years after five years Total (in million Baht) Hire purchase receivables 116,741 303,369 32,320 452,430 Finance lease receivables 419 645 - 1,064 Total gross investment under hire purchase contracts 117,160 304,014 32,320 453,494 Less unearned interest income (20,514) (35,618) (1,498) (57,630) Present value of minimum lease payment receivables 96,646 268,396 30,822 395,864 Less allowance for expected credit loss (9,390) Lease receivables, net 386,474 Consolidated 2020 Portion due after one year Portion due but within Portion due within one year five years after five years Total (in million Baht) Hire purchase receivables 117,372 311,698 37,530 466,600 Finance lease receivables 489 871 - 1,360 Total gross investment under hire purchase contracts 117,861 312,569 37,530 467,960 Less unearned interest income (20,718) (39,158) (1,961) (61,837) Present value of minimum lease payment receivables 97,143 273,411 35,569 406,123 Less allowance for expected credit loss (10,989) Lease receivables, net 395,134 16 Allowance for expected credit loss The movements in the allowance for expected credit loss during the year were as follows: Consolidated 2021 Lifetime Lifetime ECL, ECL, 12-month not credit credit ECL impaired impaired Total (in million Baht) Investments Beginning balance 54 5 1,708 1,767 Changes from remeasurement of ECL 4 (2) 1,177 1,179 Purchased or acquired 67 - - 67 Derecognition (57) (3) - (60) Ending balance 68 - 2,885 2,953 324 TMBThanachart Bank Public Company Limited
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