Page 50 - BAM ONE REPORT 2564 (ENGLISH VERSION)

48 Part 1
Business Operation and Performance

Moreover, the Company also provides an asset purchase in installment payment program. The program gives
opportunity to smaller customers, who don’t have the access to the credit provided by financial institutions, for
purchasing of assets with the price lower than Baht 3.0 million. Customers may purchase the asset with the installment
payment for a total amount lower than Baht 2.0 million. Also, for other special cases, for example, for the case of
expensive NPAs or the original debtors want to buy back NPAs; the Company may approve them to buy NPAs under
the installment payment program. For this case, the ownership in the NPAs will be transferred to the buyers after the
final installment is paid and all the related operations with the land office are complete.

The following flow chart depicts the process for NPAs sales

Sales in cash

Receives the Receive the
Receive the advance remaining
purchase purchasing
payment
Approve the
proposal and sales of NPAs and sign the price and transfer
the advance purchase and the ownership
payment
sales agreement at the land office

Sales in installment payment

Receive the Negotiate the Sign the
purchase installment Approve the purchase Pay the last
proposal, Consider the payment terms sales of NPAs and sales installment and
related buyer’s and conditions, Installment transfer the
documents, qualification based on the by mean of agreement payment ownership at
and the and proposals installment + receive the
advance consideration payment advance the land office
result (if any)
payment payment

Furthermore, the Company has a plan to follow up overall return on investment regularly by the working group
for asset and liability management, and present the result to the executive committee and/ or board of directors to
acknowledge the performance of each investment portfolio of the Company to be a factor of consideration for further
portfolio purchase in the future.