Page 63 - E-BOOK

The Company has marketing teams to take care each type of NPAs to develop a suitable marketing strategy
for each type of the NPAs and the customer group. The Company’s marketing instruments are a signboard at the
property’s location, advertisement and public relation on website as well as social media of the Company including
Facebook, Line and mobile application, publications, TV media, booths in any events, bidding for general people,
and direct contact with the investors and real estate developers.

Distribution channel
The distribution channel is divided into 2 parts by the Company’s business operation including (A) channels
for debt composition and payment channel of the debtors for NPLs management business an (B) distribution
channels for NPAs management business.

The distribution channels in case of NPLs mean the debt composition and payment channels
of the debtors. After the debt composition finishes, the Company’s debtors can make payment through different
channels such as Counter Service at 7-Eleven or large commercial banks nationwide such as Bank of Ayudhya
Public Company Limited, Kasikorn Bank Public Company Limited, Krungthai Bank Public Company Limited, Bangkok
Bank Public Company Limited, CIMB Thai Public Company Limited, TMB Public Company Limited, Siam
Commercial Bank Public Company Limited and Land and Houses Bank Public Company Limited. The payment by
Counter Service helps the debtors to make payment through a branch of a commercial bank, and payment at
the head office or the Company’s branch. If a debtor cannot make payment according to the debt restructuring
agreement’s conditions, the Company will consider restructuring debts under the new conditions or enter a litigation 61
to courts. However, generally, the Company will consider choosing 2 options, which are debt restructuring together
with court proceedings.

In case of NPAs, the Company has various distribution channels for NPAs such as Assets Expos in Bangkok
and other regions all over the country, advertisement and public relation through media in the country,
Company’s website, Social Media and BAM Application on a mobile device, online booking of assets
on BAM website, and giving news and information about NPAs of the Company. Mostly the customers will
purchase the property in cash or request loan from a financial institution. Sometimes, it is installment
sale. In case of installment, the customers can select the same distribution channel as the customers buying
NPLs as above mentioned.

Overview of economic condition and asset management business
Economic condition
The Office of the National Economic and Social Development Council revealed the economic figures of Thailand
in 2020 that the economic expansion rate shrank to 6.1% per year compared with expansion at 2.3% in 2019 with
following details.

Expenditure
The export value and private consumption as well as total investment decreased for 6.6%, 1.0% and 4.8%,
respectively, while the government consumption and public investment expanded for 0.8% and 5.7%, respectively.