Page 51 - E-BOOK

needs to wait for the Bankruptcy Court to proceed in the bankruptcy case completely according to such case first.
The Legal Execution Department thus can start providing revenue-expense statement for the Company. Nevertheless,
the Company has a process to follow up the receivables from auctioning continuously by providing the registration of
the receivables from auctioning with regular tracking system.

Also, the minimum repayment the Company able to recover from the collateral in an auction side is the lowest
of (a) the auction price (less expenses), (b) the original mortgage value that the amount secured by the collateral
under the mortgage agreement (that can be higher or lower than the outstanding amount of the debt and/ or the
auction price), and (c) the outstanding amount of debt payable regarding the claim.

Moreover, the Company constantly monitors the outcome of its investment, which is a function of the Assets
and liabilities Management Committee, who, in turn, report the outcome to the Executive Committee and/ or the
Board of Directors, for the result of the Company’s investment portfolios. The information provided herein will be
used as factors for the consideration of acquiring other investment portfolios in the future.

(B) Types and the quality of NPLs
(1) Types of NPLs can be categorized by the debt restructuring agreement with the debtors. The Company’s
NPLs, therefore, can be categorized into 2 types, namely (a) NPLs with a debt restructuring agreement or a compromising
contract, and (b) NPLs without a debt restructuring agreement or a compromising contract.

Unit: Baht (in millions) 49

31 December 2020

Debt amounts Loans Collateral value Collateral value
under original purchased of before discount of the Company
agreements (right receivables according to portion **
obligations) (equity the Company’s
obligations) criteria *
Loans purchased of receivables with debt

restructuring
- 0 - 1 month overdue 12,103 7,203 23,724 11,402
- Overdue 1 – 3 months 2,587 1,821 4,417 2,544

- Overdue 3 – 6 months 1,865 852 4,337 1,824
- Overdue more than 6 months 1,059 518 2,074 798
Total 17,614 10,394 34,552 16,568
Loans purchased of receivables without 467,267 75,528 163,728 123,715
debt restructuring

Total 467,267 75,528 163,728 123,715
Grand Total 484,881 85,922 198,280 140,283