Page 51 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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Form 56-1 One Report 2022

For this case, the Company will request the approval for depleting the bad debt within the current accounting period.
(3) Types of NPLs categorized by collaterals types
Most of NPLs bought by the Company are guaranteed by collaterals most of which are real estate properties of
higher appraised prices than the cost of NPLs. In most cases, the Company has the preferential right for the settlement
out of the enforcement of those collaterals. However, in the past, the Company also bought nonguaranteed NPLs, for example,
credit card debtors. This is because back then, the Company believed that such a type of NPLs would provide a good
business opportunity. Anyway, the Company may, from times to times, buy more non-guaranteed NPLs in the future.
Besides those nonguaranteed NPLs already acquired by the Company, the Company still has some nonguaranteed NPLs
left and these nonguaranteed NPLs still have some book values. The remaining book values are the result of several
causes, for example, debtors may already transfer all of their available collaterals to the Company, or the Company may
already sold the collaterals of those NPLs by auction, at the auction prices that are lower than the book values of those
NPLs. In this case, the Company will record the allowance for the doubtful debt of nonguaranteed NPLs at the same value
as the remaining book value, after the settlement by the transferring or selling of collaterals of those NPLs. The details of
collaterals and types of NPLs categorized by collaterals types are, as follows.

Loan purchased
2022
Types of collaterals Baht (in millions)
Credit provided for purchasing of debtors with debts guaranteed by real estate properties 63,004.2
Credit provided for purchasing of debtors with debts guaranteed by real estate
properties and other collaterals 12,013.5
Credit provided for purchasing of debtors with debts guaranteed by other collaterals 531.1
Credit provided for purchasing of debtors with non-guaranteed debts1 5,289.4
Total 80,838.2

Remark 1 Most of the loans purchased with nonguaranteed debts are the result of: debtors may already transferred all
of their available collaterals to the Company; or the Company may already sold the collaterals of those NPLs
by auction, at the auction prices that are lower than the book values of the remaining credit provides for purchasing
of debtors.

Amount of outstanding loan or Debt
restructuring contracts
2022
Size of outstanding amount of loan or. Debt restructuring contracts Baht (in millions)
(Liability on accrual basis on financial statement)
Less than Baht 1 million 18,106.7
Baht 1-5 million 67,561.8
Baht 5-10 million 31,611.1
Baht 10-50 million 74,643.7
Baht 50-100 million 38,431.8
Baht 100-500 million 111,970.1
More than Baht 500 million 124,754.6
Total 467,079.8