Page 140 - BAM ONE REPORT 2564 (ENGLISH VERSION)

138 Part 1
Business Operation and Performance

NPAs Concentration by Region and by Type
Our NPAs are located throughout Thailand. As of December 31, 2021, 40.4% of net value of our NPAs are
located in Bangkok and its vicinity and 52.6% of net value of our NPAs are residential properties.

The following table sets forth certain details of our NPAs by region as of the date indicated.

As of December 31,

2018 2019 2020 2021
Baht Baht Baht Baht
(Million) (Million) (Million) (Million)

Value of NPAs by Geography of Real estate
Immovable assets
Bangkok and its vicinity 9,066 9,988 12,255 11,976
Central and Eastern Thailand 5,390 6,137 6,582 6,893
Northern Thailand 3,042 3,432 3,742 4,089
Northeast Thailand 1,638 2,158 2,698 3,034
Southern Thailand 1,245 1,969 2,587 3,450
Moveable assets 215 215 214 224
Total 20,596 23,899 28,078 29,666

The following table sets forth a breakdown of the value of our NPAs by type as of the date indicated

As of December 31,
2018 2019 2020 2021
Baht Baht Baht Baht
(Million) (Million) (Million) (Million)

Value of NPAs by Type of Real estate
Immovable assets
Vacant land 5,510 5,243 6,023 5,415
Hotels 367 450 591 697
Commercial properties 5,414 6,453 7,186 7,720
Residential properties 9,090 11,539 14,065 15,610
Movable assets 215 215 214 224
Total 20,596 23,899 28,078 29,666

As of December 31, 2021, the Company has net NPAs value of Baht 29,666 million and the appraisal NPAs value
of Baht 64,255 million (of which Baht 63,840 million for immovable assets and Baht 415 million for movable assets).