Page 45 - BAM ONE REPORT 2564 (ENGLISH VERSION)

Form 56-1 One Report 2021
Bangkok Commercial Asset Management Public Co., Ltd. 43

For this case, the Company will request the approval for depleting the bad debt within the current accounting period.

(3) Types of NPLs categorized by collaterals types
Most of NPLs bought by the Company are guaranteed by collaterals most of which are real estate properties of
higher appraised prices than the cost of NPLs. In most cases, the Company has the preferential right for the settlement
out of the enforcement of those collaterals. However, in the past, the Company also bought nonguaranteed NPLs, for
example, credit card debtors. This is because back then, the Company believed that such a type of NPLs would provide
a good business opportunity. Anyway, the Company may, from times to times, buy more nonguaranteed NPLs in the
future. Besides those nonguaranteed NPLs already acquired by the Company, the Company still has some nonguaranteed
NPLs left and these nonguaranteed NPLs still have some book values. The remaining book values are the result of several
causes, for example, debtors may already transferred all of their available collaterals to the Company, or the Company
may already sold the collaterals of those NPLs by auction, at the auction prices that are lower than the book values of
those NPLs. In this case, the Company will record the allowance for the doubtful debt of nonguaranteed NPLs at the same
value as the remaining book value, after the settlement by the transferring or selling of collaterals of those NPLs. The
details of collaterals and types of NPLs categorized by collaterals types are, as follows.

Loan purchased
2021
Types of collaterals Baht (in millions)

Credit provided for purchasing of debtors with debts guaranteed by real estate properties 64,636.6
Credit provided for purchasing of debtors with debts guaranteed by real estate 11,890.8
properties and other collaterals
Credit provided for purchasing of debtors with debts guaranteed by other collaterals 500.9
Credit provided for purchasing of debtors with non-guaranteed debts 4,649.8
1
Total 81,678.1

Remark 1 Most of the loans purchased with nonguaranteed debts are the result of: debtors may already transferred all
of their available collaterals to the Company; or the Company may already sold the collaterals of those NPLs
by auction, at the auction prices that are lower than the book values of the remaining credit provides for
purchasing of debtors.

Amount of outstanding loan or Debt
restructuring contracts

2021
Size of outstanding amount of loan or. Debt restructuring contracts

Baht (in millions)
(Liability on accrual basis on financial statement)
Less than Baht 1 million 18,525.1
Baht 1-5 million 65,422.9
Baht 5-10 million 31,314.8
Baht 10-50 million 73,282.1
Baht 50-100 million 37,905.8
Baht 100-500 million 114,133.4
More than Baht 500 million 142,656.3
Total 483,240.4