113 Collateral and any operations to increase creditability The Company and its subsidiaries holds collateral and any operations to increase creditability of exposure to credit risk. The maximum exposures for loans to customers who have collateral pledged or mortgaged with the Company and its subsidiaries are as follows: (Unit: Million Baht) Consolidated financial statements Exposure to credit risk with collateral 2021 2020 Type of collateral Loans to customers and accrued interest receivables 57,022 51,812 Cash, Lands, buildings, vehicles and securities (Unit: Million Baht) Separate financial statements Exposure to credit risk with collateral 2021 2020 Type of collateral Loans to customers and accrued interest receivables 328 166 Lands and buildings 46.2 Market risk Market risk is the risk that changes in interest rates, foreign exchange rates, and securities prices may have an effect on the Company and its subsidiaries’ investment status. Since, the Company and its subsidiaries do not have foreign currency assets and liabilities, as such, market risk consists of interest rate risk, and equity/commodity position risk. a) Interest rate risk Interest rate risk is the risk that the value of financial instrument will fluctuate as a result of changes in market interest rates. Interest rate Risk Guidelines The Company and its subsidiaries manage the changes in interest rate risk by means of an appropriate structuring of holdings in assets and liabilities with different repricing dates, taking into account the direction of market interest rates, in order to generate a suitable yield while maintaining risk at acceptable levels. Such management is under the supervision of the Asset and Liabilities Management Committee. 329 แบบ 56-1 One Report / รายงานประจ� ำปี 2564 บริษัท ทุนธนชาต จ� ำกัด (มหาชน)
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