Page 413 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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Form 56-1 One Report 2022

3.6 The Property Appraisal Department and Regional Loan Restructuring and Sales Department provide support
for the investment by conducting survey of collaterals of NPLs and NPAs, considering appraisal prices of sellers, and

giving opinions on survey prices and property condition as information for consideration of investment value.

4. Practice guidelines for responsible investment
The Company requires that the persons concerned in the investment in NPLs and NPAs consider the following
investment factors:
4.1 Consider investment in NPLs and NPAs carefully and prudently alongside ensuring integrity, honesty and
morality as well as protection of the stakeholders’ interests.
4.2 Consider investment value based on the property condition and potential and without bidding price
collusion with other buyers in order to be compliant with the Company’s anti-corruption policy.
4.3 Consider the operation under the sustainable investment framework, taking into account the environmental,
social and governance (ESG) concepts.

4.4 Refuse to do any transactions that are against the Company’s policy on anti-money laundering and
counter-terrorism and proliferation of weapons of mass destruction financing.
4.5 Ensure compliance with the Company’s policy on prevention of conflict of interest, policy on prevention
of use of inside information for securities trading or entering into derivatives contracts, and code of conduct.

5. Review of the policy
The Investment Management Department is in charge of the review of this policy at least once a year and when
there are any changes, which is accordingly subject to the consideration and scrutiny by the Executive Board and the
consideration and approval by the Board of Directors.