Page 96 - BAM ONE REPORT 2565 (ENGLISH VERSION)
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         Management of Impacts on Stakeholders in the Value Chain


               Value chain







                        Value Chain
      Bangkok Commercial Asset Management Public Co., Ltd.


                                                     Main Activities



             Auction purchase of   Management of        Business and      Marketing and sales   After-sale services
              NPLs and NPAs        NPLs and NPAs      operation support





                                               Operation for Sustainability



               Responsible       Efficient management   Smart operations  Marketing and sales    Responsible
                investment        of NPLs and NPAs                           innovation        after-sale services





                                       Uplifting of Operation toward Sustainability

             •   Consideration of    •  Fair debt compromise  •   Smart office to   •  Develop and bring      •  Personal data
              purchase of NPLs   •   Debt restructuring in     streamline work         about experience to      security
              and NPAs based on    an appropriate      process              customers in access    •  Easy access to
              ESG criteria         manner for each    •   Digital transformation     to products and services    contact/claim lodging
             •   Auction purchase of   customer group  with adjustment and   •  Develop payment      channel
              NPLs and NPAs      •   Development of NPAs   reduction of resources     platform to ensure    •  Efficiency in
              within the investment   with ESG taken into   in operation    speediness and      after-sale services
              framework allowed    account           •   Resource efficiency    convenience
              by law                                                      •  Present accurate and
                                                                            comprehensive
                                                                            information on
                                                                            product features

                                                  Supporting Activities



                                                       Technology and       Marketing and
              Investment risk      Management of
               management        NPL/NPA operation       innovation       distribution channel   Data management
                                                        development         management




                                                      Risk management
                                                  Human resource management
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