Page 56 - BAM ONE REPORT 2565 (ENGLISH VERSION)

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The Company categorizes its NPAs and aims to sell those NPAs to the targeted customers for each specific type of
NPAs, namely, real estate developers, investors, and other customers. In the event where there is more than 1 buyer for
any piece of NPAs, the Company will arrange an auction, in order to get the best price and to ensure the transparency. Moreover,
the Company arranges promotional activities and booths in various expos around the country, including Virtual Booth
(virtual online booth on BAM website) for over 100 times a year, in order to ensure maximum reach to its targeted customers.
Bangkok Commercial Asset Management Public Co., Ltd.
The Company also launched BAM Virtual Store, a virtual world, which is a combination of service innovation and cutting-edge
technology on the back of the existing service model using online format, allowing customers to get access to information
and request services anytime and anywhere as well as viewing properties for sale more conveniently. This provides
fresh experience for interested persons and customers. Within the BAM Virtual Store, customers will have access to services
of the digital age in all dimensions, including viewing of properties through Virtual 360° innovation for special price properties
across the country and BAM's property renovation projects. In addition, customers can view properties from a high angle
by helicopter or drone. There are other corners that represent partnerships and various e-commerce platforms where
BAM’s NPAs are promoted.

The Company has also collaborated with Baania, Thailand’s first and leading real estate big data platform, to support
the NPAs data analysis. The platform will be used to categorize properties, appraise value, and analyze price trends, buyers’
interest, surrounding environments, and other data. This will benefit the Company in terms of marketing and sale efficiency.
In addition, the Company has worked together with Design Connext to design and renovate the NPAs of the Company to
add value and boost their saleability. The Company will showcase properties’ renovation design by Design Connext and
detail the costs on BAM’s platforms, providing customers with alternatives and facilitating them when purchasing NPAs.

Meanwhile, the Company has made initial business cooperation with SENA Group. SENA will select the Company’s
NPAs, comprising properties for investment or real estate projects for further development, or it can also purchase plots
of land from the Company to develop new residential projects in the form of a consortium. This will be another way to
expedite and boost the Company’s NPA sale.

Nonetheless, most of the time, the Company sells NPAs in cash, whereas the Company and buyer will enter into
a purchase and sales agreement. The buyer will pay partial advances to the Company and then pays the remaining purchasing
price specified in the agreement on the ownership transferring date, at the land office.

Moreover, the Company also provides an asset purchase in installment payment program. The program gives
opportunity to smaller customers, who don’t have the access to the credit provided by financial institutions, for purchasing
of assets with the price lower than Baht 3.0 million. Also, for other special cases, for example, for the case of expensive
NPAs or the original debtors want to buy back NPAs; the Company may approve them to buy NPAs under the installment
payment program. For this case, the ownership in the NPAs will be transferred to the buyers after the final installment
is paid and all the related operations with the land office are complete.