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 82 Bank only 2021 Lifetime Lifetime ECL, ECL, 12-month not credit credit ECL impaired impaired Total (in million Baht) Investments Beginning balance 33 - 50 83 Acquisition through Entire Business Transfer 24 3 1,890 1,917 Changes from remeasurement of ECL 4 - 945 949 Purchased or acquired 50 - - 50 Derecognition (43) (3) - (46) Ending balance 68 - 2,885 2,953 Loans to customers and accrued interest Beginning balance 4,904 14,495 11,932 31,331 Acquisition through Entire Business Transfer 5,613 7,425 7,829 20,867 Changes from stage reclassification (432) 257 9,216 9,041 Changes from remeasurement of ECL 1,405 690 8,056 10,151 Originated 1,331 105 70 1,506 Derecognition (408) (920) (4,914) (6,242) Write-off - - (12,202) (12,202) Ending balance 12,413 22,052 19,987 54,452 Bank only 2020 Lifetime Lifetime ECL, ECL, 12-month not credit credit ECL impaired impaired Total (in million Baht) Investments Beginning balance - adjusted 23 - 50 73 Changes from remeasurement of ECL (2) - - (2) Purchased or acquired 29 - - 29 Derecognition (17) - - (17) Ending balance 33 - 50 83 Loans to customers and accrued interest Beginning balance - adjusted 3,544 13,562 7,535 24,641 Changes from stage reclassification (37) (331) 7,326 6,958 Changes from remeasurement of ECL 1,090 1,359 4,052 6,501 Originated 536 182 82 800 Derecognition (229) (277) (2,434) (2,940) Write-off - - (4,629) (4,629) Ending balance 4,904 14,495 11,932 31,331 326 TMBThanachart Bank Public Company Limited

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