Page 40 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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The Company has the head office located in Bangkok, and at present, (as of 31 December 2022), it has 26 branch
offices nationwide with about 1,300 employees. These help the Company to (A) provide services to customers nationwide,
(B) respond the customer’s need in each region effectively.

The Company believes that one of competitive advantages of the Company is expertise in negotiation for debt
Bangkok Commercial Asset Management Public Co., Ltd.
restructuring, distribution of NPAs and property value appraisal because the Company’s executives are experienced in
the asset management business for long time. Moreover, the Company has branch networks all over the country,
which helps the Company to win a bidding for NPLs and NPAs at reasonable price, and to maintain profitability. Normally,
the Company engages in the bidding for NPLs and NPAs when they are put on auction by financial institutions. The Company
has good relationship with many financial institutions nationwide, which increases the opportunity to purchase the
NPLs, especially for NPLs with collateral as real estate and NPAs.

The Company’s business operation can be divided into 2 main business groups including (A) NPL management
business and (B) NPAs management business.

This chart shows general work procedures about main businesses of the Company

Debt payment made Cash
in cash

Debt payment made by
transferring the collateral
Debt restructuring
other assets (NPAs and the
investment in securities)

Compromise with creditors Debt payment by
converting debt into equity
NPLs (The investment in securities)

Not Compromise Restructuring the debt
with creditors
Conclusion reached

Judicial process The third party wins the auction Cash
The purchase
of NPLs and NPAs No Conclusion Enforcement of collateral
Via public auction
The Company wins the auction NPAs

NPAs
(including investment Asset management Assets Sales Cash
in securities)