Page 57 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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Form 56-1 One Report 2022

The following flow chart depicts the process for NPAs sales

Sales in cash

Receives the Receive the
Receive the advance remaining
purchase
Approve the
payment
purchasing
proposal and sales of NPAs and sign the price and transfer
the advance purchase and the ownership
payment
sales agreement at the land office

Sales in installment payment

Receive the Negotiate the Sign the
purchase installment Approve the purchase Pay the last
proposal, related Consider the payment terms sales of NPAs and sales Installment installment and
buyer’s
documents, qualification and conditions, by mean of agreement payment transfer the
and the based on the installment + receive the ownership at
advance and proposals consideration payment advance the land office
payment result (if any) payment

Furthermore, the Company has a plan to follow up overall return on investment regularly by the working group
for asset and liability management, and present the result to the Executive Committee and/ or the Board of Directors
to acknowledge the performance of each investment portfolio of the Company to be a factor of consideration for
further portfolio purchase in the future.

(B) Type of NPAs
The Company has NPAs all over the country. As of 31 December 2022, the Company has NPAs in Bangkok and
vicinity accounting for 38.2% of the book value of all NPAs of the Company. It has real estate in a residential type for
55.4% of the net NPAs account of the Company.