Page 36 - BAM ONE REPORT 2564 (ENGLISH VERSION)

P. 36

34 Part 1
Business Operation and Performance

Business operation by product line
Product or service
NPLs acquisition and management
The Company purchases NPLs from other ﬁnancial institutions in Thailand and manages, negotiates and
restructures debts in any methods with goals to add values to the cost of the NPLs. Once acquired, the Company
will record as loan from receivable purchase at cost price of purchase.
(A) Acquisition, inspection management and guarantee enforcement

The following ﬂow chart depicts the process of acquiring, inspecting, and evaluating the Company’s NPLs and payment.

Acquiring through
Acquiring the the procedure speciﬁed Acquiring
bidding info by the client through auction Participating
from ﬁnancial in the auction
institutions Presenting the
Inspecting the
Analyzing collateral for Presenting the information to Make the
the received the deciding of infomation to the Executive payment
data of NPLs the purchasing the NPLs and Committee and and accept the
the Board of
price NPAs Acquisition transfer of NPLs
Committee Directors for
further approval Financial
Negotiating with Negotiating with institutions
the ﬁnancial ﬁnancial institutions consider
institutions the proposed
purchasing price

(1) NPLs acquisition
The Company ﬁnds an opportunity to purchase the NPLs from ﬁnancial institutions in the country regularly.
Mostly, the Company will purchase the NPLs through bidding and sometimes through negotiation with the ﬁnancial
institutions directly.

31 32 33 34 35 36 37 38 39 40 41