Page 52 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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NPAs acquisition and management
(A) NPAs acquisition, management, and sales
(1) NPAs acquisition
The Company acquires NPAs through various channels, for example, by participating in the auction of NPLs that
the Company had previously managed before they were put out to auction, transferring of the collaterals or other
Bangkok Commercial Asset Management Public Co., Ltd.
assets of debtors with NPLs for the settlement, and the purchasing of NPAs from financial institutions, whether through
the auction or through a direct negotiation with financial institutions.

The following flow chart depicts the procedure for NPAs acquisition through various channels.

1. The auction for collateral of NPLs

Acquire the
Approve certificate of Transfer the
Price Win ownership
appraisal the bid within the bid ownership from at the land
the timeframe the Legal Execution office
Department

2. Transferring the Collaterals or other assets for the settlement

Approve the transfer
Price of the collateral/ Transfer the
ownership at
appraisal other assets for the land office
the settlement NPAs and
crediting the
total investment
3. Participate in the auction arranged by financial institutions made in debtors
(Case 1 and 2)
Acquire the
Verify the Approve Win the bid certificate of Transfer the
asset's the bid and pay ownership
appraised within the the auction ownership from at the land
the financial
price timeframe price office
institutions

4. Direct purchase from financial institutions

Approve the Acquire the
Verify the purchase of Pay the certificate of Transfer the
asset's ownership
appraised assets from purchasing ownership from at the land
financial
the financial
price
price office
institutions institutions