Page 43 - BAM ONE REPORT 2564 (ENGLISH VERSION)

Form 56-1 One Report 2021
Bangkok Commercial Asset Management Public Co., Ltd. 41

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

Types of NPLs with a debt restructuring agreement and NPLs without a debt restructuring agreement

Unit: Baht (in millions)

2021
Debt amounts Loans purchased Collateral value Collateral value
under original of receivables before discount of the Company
agreements (equity obligations) according to the portion
(right obligations) Company’s criteria*

Loans purchased of receivables
with debt restructuring
- 0 - 1 month overdue 12,357 6,669 23,175 11,614
- Overdue 1 – 3 months 2,583 1,674 4,471 2,534
- Overdue 3 – 6 months 1,050 674 2,750 1,025
- Overdue more than 6 months 700 238 868 352
Total 16,690 9,255 31,264 15,525
Loans purchased of receivables
without debt restructuring 466,550 72,423 153,531 116,877
Total 466,550 72,423 153,531 116,877
Grand Total 483,240 81,678 184,795 132,402

* These numbers are calculated based on the latest appraised price provided by the Appraisal Committee (even for the case
where there are more than 3 years of appraised prices available). On the other hand, if the collaterals had been auctioned
and bought, the purchased price after the estimated expenses will be used for the calculation instead. The value of the
collaterals will be based on the appraised price first, before considering the debt obligation under the accrual basis that the
company has with debtors, and before considering of the underlying collateral.
** These numbers are calculated by using the value of collaterals after the discount, specified under BOT’s provision. The value
of collaterals will not be used for the case where there are more than 3 years of appraised prices available, after the approval
date of the appraised prices. On the other hand, if the collaterals had been auctioned and bought, the purchased price after
the estimated expenses will be used for the calculation instead. The value of the underlying collateral will be based on the
appraised price first, before considering the debt obligation under the accrual basis that the Company has with debtors, and
before considering of the underlying collateral.