Page 23 - BAM ONE REPORT 2564 (ENGLISH VERSION)

Form 56-1 One Report 2021
Bangkok Commercial Asset Management Public Co., Ltd. 21

3.2 Experience in managing and creating cash flow a good and available condition for distribution. Furthermore,
from non-performing loans and non-performing assets expertise of 170 staff in managing the non-performing assets
effectively in the region from having branch network all over
The Company believes that it has ability to manage the country is utilized to negotiate with the customers for
the non-performing loans and non-performing assets to best result.
maintain or create cash flow from such properties by
applying its knowledge and competency in analysing market The Company believes that the non-performing
needs. With experience in the business of managing the asset management by marketing based on property type
non-performing loans and non-performing assets for more and price level instead of marketing by location of the
than 20 years and the network to provide and manage the properties can define the target group better and the
assets nationwide, the Company believes that it has non-performing assets can be sold faster in a reasonable price.
advantages over the competitors that are the non-
performing loan management companies or the banks with The Company has a team of non-performing asset
business units for managing the non-performing loans and management, specializing in each type of property such as
non-performing assets without main objectives to manage the team of horizontal residential buildings, condominiums,
the non-performing loans and non-performing assets. lands and property for investment. The marketing by
property types also helps the company to develop
Under its policy to manage non-performing loans, strategies of marketing and selling non-performing assets
the Company highlights negotiation for debt restructuring in each type, and develop the sale process to be efficient.
with the debtors to reach a satisfactory agreement for every
party as much as possible. With experience and asset Additionally, the fact that the company has branch
database, the Company can proceed with the debt networks all over the country contributes to the company
restructuring for non-performing loans effectively provided to have expertise about real estate marketplaces in
that the company will consider selecting a suitable way different areas, and that the company’s non-performing
to restructure debts with each debtor. Mostly, it depends asset sale is efficient. The Company cooperates with
on solvency of the debtors. Meanwhile, the Company can several financial institutions to consider loans for the buyers
manage relevant risks simultaneously, and the company of the company’s non-performing assets, which helps the
has a team having knowledge and expertise in related legal company to have increased cash charging and sales of the
processes for enforcement of collaterals in Thailand to non-performing assets and reduce the cost and time for
enhance effectiveness and rapidity of the internal process holding the assets in order to accelerate the sales of assets
regarding the enforcement of the non-performing loans’ that are difficult to sell and have long been in its possession
collateral. Furthermore, the Company believes that it has and to generate a higher profit margin.
competency to improve and add values for the non-
performing assets provided that the Company has the team (4) The Company has strong ability to manage risks
specializing in non-performing assets including experts who The Company’s strong ability in managing risks is
have good knowledge and understanding about the needs the main composition of the company’s businesses. The
of each type of real estate market. Company focuses on being cautious, prepared, or dealing
with potential uncertain events and that the company can
The fact that the company has network all over achieve the goals and objectives at organisational and
the country enables the company to send the team to activity levels. Furthermore, implant risk management is a
inspect the non-performing assets of the company regularly part of the company’s work operations.
to ensure that such properties are properly maintained in