ttb 56-1 One Report 2021 (EN)

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 81 Consolidated 2021 Lifetime Lifetime ECL, ECL, 12-month not credit credit ECL impaired impaired Total (in million Baht) Loans to customers and accrued interest Beginning balance 11,126 21,617 19,224 51,967 Changes from stage reclassification (1,069) 1,172 13,122 13,225 Changes from remeasurement of ECL 953 126 8,616 9,695 Originated 1,982 219 111 2,312 Derecognition (579) (1,082) (5,232) (6,893) Write-off - - (15,834) (15,834) Ending balance 12,413 22,052 20,007 54,472 Consolidated 2020 Lifetime Lifetime ECL, ECL, 12-month not credit credit ECL impaired impaired Total (in million Baht) Investments Beginning balance - adjusted 61 - 50 111 Changes from stage reclassification (9) 5 1,658 1,654 Changes from remeasurement of ECL (4) - - (4) Purchased or acquired 44 - - 44 Derecognition (38) - - (38) Ending balance 54 5 1,708 1,767 Loans to customers and accrued interest Beginning balance - adjusted 9,199 19,047 16,177 44,423 Changes from stage reclassification (1,722) 441 13,390 12,109 Changes from remeasurement of ECL 2,128 1,886 6,583 10,597 Originated 1,997 896 267 3,160 Derecognition (476) (653) (3,021) (4,150) Write-off - - (14,172) (14,172) Ending balance 11,126 21,617 19,224 51,967 325 Form 56-1 One Report 2021

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