Page 46 - BAM ONE REPORT 2564 (ENGLISH VERSION)

P. 46

44 Part 1
Business Operation and Performance

NPAs acquisition and management
(A) NPAs acquisition, management, and sales
(1) NPAs acquisition
The Company acquires NPAs through various channels, for example, by participating in the auction of NPLs that
the Company had previously managed before they were put out to auction, transferring of the collaterals or other
assets of debtors with NPLs for the settlement, and the purchasing of NPAs from ﬁnancial institutions, whether through
the auction or through a direct negotiation with ﬁnancial institutions.

The following ﬂow chart depicts the procedure for NPAs acquisition through various channels.

1. The auction for collateral of NPLs

Approve Acquire the certiﬁcate Transfer the
Price the bid within Win of ownership from ownership
appraisal the timeframe the bid the Legal Execution at the land
Department ofﬁce

2. Transferring the Collaterals or other assets for the settlement

Approve the transfer
Price of the collateral/ Transfer the
appraisal other assets for ownership at
the settlement the land ofﬁce
NPAs and
crediting the
3. Participate in the auction arranged by ﬁnancial institutions total investment
made in debtors
Verify the Approve Win the bid Acquire the certiﬁcate Transfer the (Case 1 and 2)
asset's the bid and pay of ownership from ownership
appraised within the the auction the ﬁnancial at the land
price timeframe price institutions ofﬁce

4. Direct purchase from ﬁnancial institutions

Verify the Approve the Pay the Acquire the certiﬁcate Transfer the
asset's purchase of of ownership from ownership
appraised assets from purchasing the ﬁnancial at the land
price
price ﬁnancial institutions ofﬁce
institutions

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