Page 281 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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10.2 Classified by currency and residency of debtors

As at 31 December 2022 and 2021, all loans purchased of receivables were non-performing Form 56-1 One Report 2022
loans that were acquired from other financial institutions. All debtors were denominated in
Baht and the debtors were domiciled both in domestic and overseas, as follows:

(Unit: Million Baht)
31 December 2022 31 December 2021
Domestic Overseas Total Domestic Overseas Total

Baht 80,814 24 80,838 81,654 24 81,678
Add: Accrued interest
receivables 13,256 - 13,256 9,578 - 9,578
Total 94,070 24 94,094 91,232 24 91,256

10.3 The right of claim from loans purchased of receivables and collateral value

As at 31 December 2022 and 2021, the outstanding balances of loans purchased of
receivables and collateral value were as follows:

(Unit: Million Baht)
31 December 2022
Collateral value
Debt amounts before discount Collateral
under original Loans purchased according to the value of the
agreements of receivables Company’s Company
(right obligations) (per accounting) criteria portion
(1)
(2)
Loans purchased of receivables
with debt restructuring
- 0 - 1 month overdue 10,821 6,675 19,545 10,474
- Overdue 1 - 3 months 3,544 1,860 5,530 3,180
- Overdue 3 - 6 months 1,483 1,027 3,078 1,454
- Overdue more than 6 months 371 145 445 229
Total 16,219 9,707 28,598 15,337

Loans purchased of receivables
without debt restructuring 450,861 71,131 149,823 113,438
Total 450,861 71,131 149,823 113,438
Grand total 467,080 80,838 178,421 128,775

(1) Calculated based on the latest appraisal value from the appraisal value committee (even if the appraisal value was more than
3 years) and, if collateral has been put up for auction sale and has already been purchased, the bid price less estimated
expenses will be employed. The collateral value is based on the appraisal value before taking into account the accrued debt
obligation and before taking into the mortgage value.

(2) Calculated based on the latest appraisal value from the appraisal value committee (even if the appraisal value was more than
3 years) and, if collateral has been put up for auction sale and has already been purchased, the bid price less estimated
expenses will be employed. The collateral value is based on the appraisal value after taking into account the accrued debt
obligation and after taking into the mortgage value.

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