Page 58 - E-BOOK

For the evaluation of the appropriate renovation or maintenance of NPAs, the Company will consider the
potential return on investment of such NPAs, the general condition of the market, and the expected expense for
the renovation or maintenance. The Company may decide to conduct the maintenance or renovation if it deems
that the increased value of NPAs will exceed the required cost of renovation or maintenance, or if the renovation
or maintenance will allow the Company to sell those NPAs faster. Moreover, the Company may complete the
unfinished real property project (the Company will not be able to develop or to initiate a new construction project
on the vacant land, in accordance with the prohibitions of the AMC Decree. Also, for some NPAs, the Company may
put them out for a short-term lease (for a lease term of under 1 year) while the Company is unable to sell those
assets.

Moreover, the Company may also initiate other operations that are related to the asset management, in
order to maintain those assets. For example, hiring security guards and renovating the assets appropriately, etc.
The Company’s Sales Management Department and Regional Loan Restructuring and Sales Department will inspect
these NPAs every 3 months, in order to determine the necessity of maintenance or development and to maintain
the property right of the Company’s in the NPAs, according to the law.

(3) NPAs sales
The Company has many NPAs around the country, for example, vacant land (including the real estate
properties used for agriculture), hotels, commercial properties, residential properties such as single-houses,
townhouses, and condominiums, etc. And for this, the Company appoints teams of experts in various types of assets
located around the country. The Company believes that such categorization of NPAs will allow the Company to
precisely determine its targeted customers and to sell those NPAs faster, at more appropriate prices. Moreover,
56 doing so benefits the Company from their employees’ expertise in the management of specific types of assets.

After the Company receives the transfer of ownership in NPAs, the Company will survey those NPAs and
determines the appropriate advertising strategies for those NPAs. The Company markets its products through various
methods, for example, (1) sales promotional activities, (2) arranging Assets Expos in Bangkok and other regions
around the country, and (3) promoting through domestic media, as well as setting up the advertisement billboard at
the location of the assets. Moreover, implements mobile phone applications and social media in its NPAs marketing,
whereas the Company readjusts its marketing strategy on a yearly basis, in order to adapt its effort with the market’s
condition. Moreover, having its head office and branch offices, in a total of 26 offices around the country allows
the Company to access the information about the market and customers’ demands and, as a result, allows the
Company to sell NPAs at appropriate prices.

The Company categorizes its NPAs and aims to sell those NPAs to the targeted customers for each specific
type of NPAs, namely, real estate developers, investors, and other customers. In the event where there is more than
1 buyer for any piece of NPAs, the Company will arrange an auction, in order to get the best price and to ensure
the transparency. Moreover, the Company arranges promotional activities and booths in various expos around the
country, for over 100 times a year, in order to ensure maximum reach to its targeted customers.