Page 30 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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On the contrary, in the time of economic recession, With experience in the business of managing the non-
most financial institutions have more non-performing loans, performing loans and non-performing assets for more than
and that the supply of non-performing loans increases. This 22 years and the network to provide and manage the assets
makes the Company have more opportunity to purchase nationwide, the Company believes that it has advantages
the non-performing loans and non-performing assets over the competitors that are the non-performing loan
through arranging the bidding process for the debtors’ management companies or the banks with business units
Bangkok Commercial Asset Management Public Co., Ltd.
properties from financial institutions of the company at for managing the non-performing loans and non-performing
price that the Company may receive more returns. assets without main objectives to manage the non-performing
loans and non-performing assets.
(5) The company has overall efficient operation
in providing, managing and creating cash flow from Under its policy to manage non-performing loans,
non-performing loans and non-performing assets the Company highlights negotiation for debt restructuring
The company has more than 22 years of experience with the debtors to reach a satisfactory agreement for every
in operating the business of managing non-performing loans party as much as possible. With experience and asset
and non-performing assets in Thailand with strengths of database, the Company can proceed with the debt restructuring
providing non-performing loans and non-performing assets for non-performing loans effectively provided that the
at reasonable price. It also can manage and create the cash company will consider selecting a suitable way to restructure
flow from the non-performing loans and non-performing debts with each debtor. Mostly, it depends on solvency of
assets effectively. the debtors. Meanwhile, the Company can manage relevant
risks simultaneously, and the company has a team having
5.1 Provide non-performing loans and non- performing knowledge and expertise in related legal processes for
assets at reasonable price enforcement of collaterals in Thailand to enhance effectiveness
The Company believes that the network all over the and rapidity of the internal process regarding the enforcement
country and the team experienced in real estate, and of the non-performing loans’ collateral. Furthermore, the
having knowledge and understanding of the management Company believes that it has competency to improve and
of the non-performing loans and non-performing assets will add values for the non-performing assets provided that the
enable the company to be advantageous over other Company has the team specializing in non-performing assets
competitor in providing, appraising and pricing for bidding including experts who have good knowledge and understanding
to purchase such properties. Additionally, the fact that the about the needs of each type of real estate market.
company has the headquarter and branch offices for 26
locations with more than 304 employees performing duties The fact that the company has network all over the
about providing the non-performing loans nationwide will country enables the company to send the team to inspect
make the company to send its team to survey the collaterals the non-performing assets of the company regularly to
of the non-performing loans and non-performing assets that ensure that such properties are properly maintained in a
the Company will purchase. This will help the company to good and available condition for distribution. Furthermore,
be able to appraise the price more accurately. expertise of 178 staff in managing the non-performing assets
in the region from having branch network all over the
5.2 Experience in managing and creating cash flow country is utilized to negotiate with the customers for best result.
from non-performing loans and non-performing assets
effectively. The Company believes that the non-performing asset
The Company believes that it has ability to manage management by marketing based on property type and price
the non-performing loans and non-performing assets to level instead of marketing by location of the properties can
maintain or create cash flow from such properties by applying define the target group better and the non-performing assets
its knowledge and competency in analysing market needs. can be sold faster in a reasonable price.