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 44 The following table sets out the principal types of collateral held against different types of loan to customer and accrued interest receivables as at 31 December 2021 and 2020. Type of credit exposures Consolidated Principal type of collateral held 2021 2020 (in million Baht) Loans to customers and accrued interest receivables - Loans to corporate customers 596,997 614,749 Properties, plant, equipment and/or guarantee by government unit - Retail mortgage lending 307,879 296,074 Properties - Hire purchase 394,877 404,865 Vehicle - Others 79,931 84,759 None Type of credit exposures Bank only Principal type of collateral held 2021 2020 (in million Baht) Loans to customers and accrued interest receivables - Loans to corporate customers 596,496 473,667 Properties, plant, equipment and/or guarantee by government unit - Retail mortgage lending 307,705 193,769 Properties - Hire purchase 394,877 - Vehicle - Others 79,853 57,670 None 6.1.3 Concentrations of credit risk The Bank and its subsidiaries monitor concentration in different dimensions including sector. Concentrations of credit risk from loans to customers and accrued interest receivables as at 31 December 2021 and 2020 is shown below. Consolidated 2021 2020 (in million Baht) Concentration by sector Agricultural and mining 19,070 20,485 Real estate and construction 58,189 59,080 Public utilities and services 125,039 158,489 Retail mortgage lending 307,745 296,074 Manufacturing and commerce 374,796 361,381 Hire purchase 394,877 404,865 Others 99,968 100,073 Total 1,379,684 1,400,447 288 TMBThanachart Bank Public Company Limited
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