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Form 56-1 One Report 2022

Marketing and Competition
The Company encounters the competition in NPLs and NPAs acquisition with the main competitors including
other asset management companies in Thailand that are the state enterprises such as SAM (FIDF is the major shareholder
of the Company and SAM) and asset management companies of the commercial banks in Thailand. However, most of
the asset management companies that are a business unit of commercial banks will not purchase NPLs or NPAs from
other financial institutions, but will manage NPLs and NPAs that are transferred within the group of any such commercial
banks. The Company also competes with other asset management companies such as J Asset Management Company
Limited, Chayo Asset Management Company Limited, etc. Previously, these asset management companies would mainly
purchase the assets relating to personal loans and credit card debts, but they have currently competed more in purchasing
NPLs and NPAs, which are the Company’s major targets. Besides, banks have presently separated the NPLs for auction
into a larger number of groups, based on the location and size of the collateral assets, in order to provide opportunities
for new buyers to compete with the Company. Furthermore, the Company faces competition with foreign corporations
having strong financial status that set up an asset management company in Thailand such as Loan Star Funds and Accretive
Company Limited, and the competition in the NPLs and NPAs industry may be more intense in the future.

The Company competes with other asset management companies by relying on strong financial status, ability
to access fund sources, rapidity in acknowledging news and information to track an opportunity to purchase NPLs and
NPAs, ability of suitably pricing non-performing loans and NPAs, reputation and credibility of the Company as well as
the networks in operation and experienced teams.

Furthermore, to sell the NPAs, the Company also has to compete with other real estate companies and financial
institutions selling the NPAs, as well as other entrepreneurs in the real estate market.

Target customer group
The target group of the Company’s asset management business includes debtors that the Company purchases
NPLs from the financial institutions.

The target group of the NPAs management business includes real estate developers, investors and other customers.
Furthermore, the Company organizes an asset expo and arranges a booth in many events all over the nation, so that
the Company can access the target group as much as possible.

Marketing and sale promotion policy
The Company arrange an activity to promote debt restructuring for customers being NPLs under the project
“Sukjai Dai Ban Khuen” (Happy to get home return) with aims to give an opportunity to the debtors not ordered for receivership
to be able to redeem collaterals as an accommodation, with principal amount not exceeding 10.0 million Baht. Payment
can be made one time within 90 days, or made by installments within 20 years at rate of 80.0% of the appraised price
according to the principles of the Company. Furthermore, arranges other projects to help the customers being the NPLs
continuously such as Project “BAM Chuai Lod Puea Plod Nee Kasedtakon” with aims to help agriculturists debtors who
can pay the debt at rate of 80% of the appraised value, but not more than 100% of the principal by selecting one-time
payment within 90 days or instalments within 10 years. However, that must not exceed the execution period. Furthermore,
the Company has a project “BAM Chuai Fuen Khuen Turakij” (BAM to restore the business), with aims to give an opportunity