Page 109 - E-BOOK

The Company has various kinds of NPAs dissipated nationwide such as empty lands, hotels, factories, 107
commercial buildings, residential units, detached houses, townhouses etc. that the company accepts the transfer Bangkok Commercial Asset Management Public Co., Ltd.
from 1) debtors transferring property for debt settlement, 2) auction of the Legal Execution Department and 3) the
financial institutions. When the company receives the transfer of NPAs ownership, it will hurriedly proceed with
provision of details and registration of NPAs control as well as survey and inspect the property’s condition to collect
data. After that, the company will raise awareness to public by attaching a notice at the property’s location, a booth,
or advertise the information through both online and offline media such as publications, TV, radio, billboard as well
as website www.bam.co.th, and communication through social media of BAM.

Nevertheless, the Company manages and improves NPAs such as maintaining and repairing them to be in a
sellable condition with no depreciation, paying other expenses related to the properties, as well as hiring a security
guard as it sees fit. The company determines a guideline for managing NPAs by type of the properties including plain
area, highland, empty land, and property for investment such as unfinished projects and properties with high value,
suitable for major investors for further development. Such code of management can enhance expertise and
management of each property type. For NPAs that cannot be sold, the company will manage them by considering
the lease of some properties as it sees fit to earn revenue and decrease the opportunity cost and expenses upon
possession. Meanwhile, it is to prevent degeneration of the properties and hostile possession or trespassing.