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Business Performance

Business Performance

BAM is ready to support the financial institutions system in the revival of distressed assets to drive Thai economy and society towards sustainable growth.

Non-performing Loans
Income from NPLs decreased, mainly due to lower gain on NPLs.
Non-performing Assets
Income from NPAs increased QoQ. However, overall in 1H/2026 remained lower YoY, mainly due to the high base in 1H/2025 and real estate market conditions.
Expenses and Others
Total operating expenses decreased YoY, mainly due to interest expenses.

Collection Proportions 6M/2026

Non-performing Loans
Non-performing Assets
2026F
Collection Target
Million Baht
2023 2024 2025 2026F
NPLs 8,452 8,630 10,670 10,500
NPAs 6,698 6,531 7,187 7,400
Total Collection 15,150 15,161 17,857 17,900

Unit : Million Baht

Q2/2025 Q1/2026 Q2/2026 %QoQ 6M/2025 6M/2026
Operating Income
Income from Loans Purchased of Receivables (NPLs) 2,234 1,943 1,874 (4) 4,728 3,817
Income from Sale of Properties for Sale (NPAs) 1,884 295 392 33 2,276 687
Other Operating Income 62 117 94 (20) 162 211
Total Operating Income 4,180 2,355 2,360 0 7,166 4,715
Expected Credit Loss 785 726 666 (8) 2,051 1,392
Net Operating Income 3,395 1,629 1,694 4 5,115 3,323
Operating Expenses 926 669 721 8 1,561 1,390
Interest Expenses 816 709 693 (2) 1,629 1,402
Total Operating Expenses 1,742 1,378 1,414 3 3,190 2,792
Profits Before Income Tax 1,653 251 280 12 1,925 531
Total Income Tax 359 34 46 35 414 80
Net Profit 1,294 217 234 8 1,511 451

Note:

This table is abridged version of FS in equity method, and the summation of some figures may not add up due to rounding.