Page 223 - E-BOOK

NPLs by Portfolio Concentration
The following table sets forth information regarding our individual debtors with the 10 largest remaining acquisition
cost of NPLs as of the dates indicated.

As of December 31,
2018 2019 2020 2
Major Debtors 1 Baht Baht Baht
(Million) (Million) (Million)
Debtor 1 3,064.8 3,034.9 3,034.9
Debtor 2 2,127.4 589.2 589.3
Debtor 3 586.6 579.0 558.4
Debtor 4 579.0 507.9 388.6
Debtor 5 507.9 388.5 334.1
Debtor 6 323.7 334.1 323.8
Debtor 7 317.4 323.8 290.4
Debtor 8 303.8 319.0 286.9 221
Debtor 9 229.8 299.9 260.5
Debtor 10 216.6 229.8 223.6
Sub-total 8,257.0 6,606.1 6,290.5
Total NPLs 75,434 77,375 77,726
3

Notes : 1 Represents our top 10 debtors by remaining acquisition of NPLs as of the dates indicated. Our top 10 Bangkok Commercial Asset Management Public Co., Ltd.
debtors may vary from year to year.

2 Information regarding top 10 debtors by remaining acquisition of NPLs for the year ended December
31, 2020 may not be comparable to the previous periods due to the calculation of allowance for
expected credit losses on loans purchased (2019: Allowance for doubtful account) as per requirement
of TFRS

3 Due to the new financial report standards, “loans purchased” (NPLs) is reclassified into “loans purchased
of receivables and accrued interest receivables- net”