Page 42 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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Business operation by product line
Product or service
NPLs acquisition and management
The Company purchases NPLs from other financial institutions in Thailand and manages, negotiates and restructures
debts in any methods with goals to expand the asset base and compensate for the number of assets that have been
Bangkok Commercial Asset Management Public Co., Ltd.
successfully managed, including adding value to the cost of the NPLs.

(A) Acquisition, inspection management and guarantee enforcement

The following flow chart depicts the process of acquiring, inspecting, and evaluating the Company’s NPLs
and payment.

Acquiring through
Acquiring the the procedure specified Acquiring
bidding info by the client through auction Participating
from financial in the auction
institutions Presenting the
Inspecting the Presenting the information to
Analyzing collateral for infomation to the Executive Make the
the received the deciding of the NPLs and Committee and payment
data of NPLs the purchasing NPAs Acquisition the Board of and accept the
price Committee Directors for transfer of NPLs
further approval
Financial
Negotiating with Negotiating with institutions
the financial financial institutions consider
institutions the proposed
purchasing price

(1) NPLs acquisition
The Company finds an opportunity to purchase the NPLs from financial institutions in the country regularly.
Mostly, the Company will purchase the NPLs through bidding and sometimes through negotiation with the financial
institutions directly.