BCP’s loyalty card, “Bangchak Green Miles” that allows members to collect points from purchase of any product. Developments were also made to the member card system in the form of a Digitized Loyalty

. However, cash flow can still be collected as the Company continuously acquired more distress debt. In the quarter 3-4 of the year 2019. In the past, the Company had bought non-performing loans from

Management Public Company Limited 2.3 Vintage Analysis The company maintains a portfolio of loans purchased and properties for sale acquired at various points in time. 2.3.1 Loans purchased and Foreclosed

128.97% For example, from the portfolios of loans purchased that have been acquired in the 1 to 2 years prior to 30 September, 2019 of Baht 13,997.3 million, the Company collected Baht 1,311.2 million (of

. In 2019, the Company acquired non performing debt, both secure and unsecure loan, amount 28,933 million Baht (contractual value) with investment of 3,368 million Baht which divided to be almost the

higher revenues from collection of purchased accounts receivables and debt tracking services. For 9-months period of 2018, the Company’s net profit was 374.3 million baht which increased 26.1 percent from

percent. The Company’s net profit margin stood at 27.7 percent. An increase of net profit was a result of the Company has higher revenues from collection of purchased accounts receivables and debt tracking

baht or 15.2 percent due to an increasing of cash and cash equivalent from issuing debenture and an increase of purchased account receivable which the company acquired during the 1st half of this year

Analysis We maintain a portfolio of credit for the purchase of receivables and properties for sale acquired at various points in time 4.4.1 Loans Purchased and Foreclosed Collateral Properties The following

(52.1) Total loans purchased of receivables and accrued interest receivables 80,959 83,622 87,733 8.4 4.9 Less Allowance for expected credit losses (6,476) (6,247) (9,718) 50.1 55.6 Total loans purchased