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 41 Management Overlay The Bank and its subsidiaries calculated the ECL based on the model. However, management overlays were considered when underlying assumptions or data used to estimate ECLs do not reflect current circumstances, events or conditions of the Bank and its subsidiaries at the reporting date as post-model adjustments. 6.1.1 Credit quality The following tables set out information about the credit quality as at 31 December 2021 and 2020 of loans to customers without taking into account collateral or other credit enhancement. The Bank and its subsidiaries classified a risk level based on most recent financial position, behaviours and qualitative factors. Consolidated 2021 Risk level Stage 1 Stage 2 Stage 3 Total (in million Baht) Loans to customers and accrued interest receivables - net Low 845,049 537 - 845,586 Medium 377,937 43,150 11 421,098 High 1,676 68,843 51 70,570 NPLs - - 42,430 42,430 Gross carrying amount 1,224,662 112,530 42,492 1,379,684 Less allowance for expected credit loss (12,413) (22,052) (20,007) (54,472) Carrying amount 1,212,249 90,478 22,485 1,325,212 Consolidated 2020 Risk level Stage 1 Stage 2 Stage 3 Total (in million Baht) Loans to customers and accrued interest receivables - net Low 905,827 5,269 - 911,096 Medium 330,188 47,415 - 377,603 High 1,623 69,451 - 71,074 NPLs - - 40,674 40,674 Gross carrying amount 1,237,638 122,135 40,674 1,400,447 Less allowance for expected credit loss (11,126) (21,617) (19,224) (51,967) Carrying amount 1,226,512 100,518 21,450 1,348,480 285 Form 56-1 One Report 2021
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