Thanachart One Report 2021 - EN

122 Expected Credit Loss/Impairment Loss of Loans and Debt Securities Other Operating Expenses For the Year 2021 VS 2020 2021 2020 2019 +/(-) Percent Employee’s Expenses 2,052 1,887 1,895 165 8.74 Directors’ Remuneration 87 83 70 4 4.82 Premises and Equipment Expenses 273 245 245 28 11.43 Taxes and Duties 40 21 35 19 90.48 Other Expenses 691 663 789 28 4.22 Total Other Operating Expenses 3,143 2,899 3,034 244 8.42 Expected Credit Loss/Impairment Loss of Loans and Debt Securities (Reversal) For the Year 2021 VS 2020 2021 2020 2019 +/(-) Percent Interbank and Money Market Items - (1) - 1 100.00 Investments in Debt Securities Measured at Fair Value through Other Comprehensive Income (30) 271 - (301) (111.07) Loans to Debtors and Accrued Interest 667 337 (316) 330 97.92 Other Assets (154) (1) - (153) (15,300.00) Expected Credit Loss/Impairment Loss of Loan and Debt Securities (Reversal) 483 606 (316) (123) (20.30) (Unit: Million Baht) Other Operating Expenses In 2021, other operating expenses of the Company and its subsidiaries amounted to 3,143 million baht, an increase of 244 million baht or 8.42 percent from the previous year. This was mainly due to incentive expenses paid to employees in line with the transaction volume. • Gain on debt settlement/assets transferred for debt settlement amounted to 739 million baht, an increase of 621 million baht or 526.27 percent. • Net insurance/life insurance income amounted to 2,411 million baht, an increase of 523 million baht or 27.70 percent. • Dividend income amounted to 145 million baht, a decrease of 163 million baht or 52.92 percent. • Gain on financial instruments measured at fair value through profit or loss amounted to 527 million baht, an increase of 376 million baht or 249.01 percent. • Gain on property foreclosed and other assets amounted to 850 million baht, an increase of 625 million baht or 277.78 percent. (Unit: Million Baht)

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