Page 137 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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Form 56-1 One Report 2022

NPAs Concentration by Region and by Type
Our NPAs are located throughout Thailand. As of December 31, 2022, 38.2% of net value of our NPAs are
located in Bangkok and its vicinity and 55.4% of net value of our NPAs are residential properties.

The following table sets forth certain details of our NPAs by region as of the date indicated.

As of December 31,
2019 2020 2021 2022
Net value Net value Net value Net value

Value of NPAs by Geography of Real estate (Baht in million)
Immovable assets
Bangkok and its vicinity 9,988 12,255 11,976 12,225
Central and Eastern Thailand 6,137 6,582 6,893 7,532
Northern Thailand 3,432 3,742 4,089 4,360
Northeast Thailand 2,158 2,698 3,034 3,553
Southern Thailand 1,969 2,587 3,450 4,245
Moveable assets 215 214 224 111
Total 23,899 28,078 29,666 32,026

The following table sets forth a breakdown of the value of our NPAs by type as of the date indicated

As of December 31,

2019 2020 2021 2022
Net value Net value Net value Net value

Value of NPAs by Type of Real estate (Baht in million)
Immovable assets
Vaca la 5,243 6,023 5,415 5,168
Hote 450 591 697 636
Commercia propertie 6,453 7,186 7,720 8,362
Residentia propertie 11,539 14,065 15,610 17,749
Movable asse 215 214 224 111
Total 32,026

As of December 31, 2022, the Company has net NPAs value of Baht 32,026 million and the appraisal NPAs value
of Baht 67,231 million (of which Baht 67,072 million for immovable assets and Baht 159 million for movable assets).