The portfolio is the term that we use to call those businesses with various properties and assets—for example, selling the debtor’s whole portfolio, the competition will be pretty high. Therefore, to compete in port selling, it has to be fast and accurate. This is why portfolio valuation is vital for both sellers and buyers; the official port auction can be arranged. Banks can appraise the portfolio fast and accurately by referring to the modern database, market database as well as the reliable model that must be accepted. The valuation approach used in this portfolio valuation is the ‘Desktop Valuation’ or ‘Drive By’ method, basically surveying and inspecting the environment around the land.
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