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 123 Information about reportable segments: For the year ended 31 December 2021 Consolidated Commercial Banking Retail Banking Other segments Elimination Total (in million Baht) Net interest income 12,643 34,239 4,130 (12) 51,000 Net non-interest income 8,290 8,773 5,882 (8,414) 14,531 Total operating income 20,933 43,012 10,012 (8,426) 65,531 Operating expenses (3,208) (13,254) (16,064) 1,348 (31,178) Profits from operation 17,725 29,758 (6,052) (7,078) 34,353 Expected credit loss (21,549) Profit before income tax 12,804 Income tax (2,327) Profit for the year 10,477 For the year ended 31 December 2020 Consolidated Commercial Banking Retail Banking Other segments Elimination Total (in million Baht) Net interest income 14,158 40,153 972 (1,478) 53,805 Net non-interest income 4,498 9,504 15,170 (13,628) 15,544 Total operating income 18,656 49,657 16,142 (15,106) 69,349 Operating expenses (3,605) (18,238) (10,809) 652 (32,000) Profits from operation 15,051 31,419 5,333 (14,454) 37,349 Expected credit loss (25,011) Profit before income tax 12,338 Income tax (2,223) Profit for the year 10,115 Reconciliation of reportable segment profit or loss For the year ended 31 December 2021 Consolidated Net interest income Net noninterest income Operating expenses Expected credit loss (in million Baht) Segment reporting 51,000 14,531 (31,178) (21,549) Expected credit loss - - (66) 66 Others - 6 25 (31) Consolidated financial statements 51,000 14,537 (31,219) (21,514) 367 Form 56-1 One Report 2021
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