61 (Unit: Million Baht) Consolidated financial statements For the year ended 31 December 2021 Allowance for expected credit loss Financial assets with credit risk Stage 1 (1) Stage 2 (2) Stage 3 (3) POCI (4) Simplified (5) Total Loans to customers and accrued interest receivables Beginning balance 183 643 857 659 - 2,342 Changes due to re-measurement of allowance for credit loss (131) 11 573 53 - 506 Changes due to reclassification 86 (120) 34 - - - New financial assets purchased or acquired 109 155 45 - - 309 Eliminated financial assets - - - (38) - (38) Written-off - - (239) - - (239) Transfer assets type - - (265) - - (265) Ending balance 247 689 1,005 674 - 2,615 Other assets Beginning balance - 1 977 - 36 1,014 Changes due to re-measurement of allowance for credit loss - - (150) - - (150) New financial assets purchased or acquired - - - - 14 14 Eliminated financial assets - - - - (18) (18) Written-off - - (31) - - (31) Transfer assets type - - 265 - - 265 Ending balance - 1 1,061 - 32 1,094 (1) Stage 1: Financial assets without a significant increase in credit risk (12-mth ECL) (2) Stage 2: Financial assets with a significant increase in credit risk (Lifetime ECL - not credit impaired) (3) Stage 3: Financial assets that are credit impaired (Lifetime ECL - credit impaired) (4) POCI: Financial assets that are credit impaired when purchased or originated (Purchased and originated credit-impaired) (5) Financial assets for which simplified approach is applied (Simplified) 277 แบบ 56-1 One Report / รายงานประจ� ำปี 2564 บริษัท ทุนธนชาต จ� ำกัด (มหาชน)
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