Value Chain

Participating in bidding for the purchase of non-performing loans (NPL) and assets held for sale, conducting the process with transparency and fairness.

• Analyzing data on non-performing loans and assets held for sale.
• Screening assets with high potential to reduce the risk of purchasing problematic debts.
• Conducting bidding and purchasing of debts under the principles of transparency and accountability.

Helping customers restructure their debts and reduce financial burdens to enable financial recovery and reintegration into the economy.

• Developing fair and appropriate debt restructuring plans.
• Supporting individual debtors in retaining their assets, such as homes and livelihood properties.
• Providing opportunities for large debtors to continue their businesses.
• Impartially and reasonably assessing the value of assets held for sale.

Enhancing operational efficiency by applying technology to reduce costs and increase service speed.

• Implementing technology to streamline workflows.
• Establishing financial and legal risk management systems.
• Using data analytics to assist in data management.

Developing a debt collection system and asset sales channels to be more accessible and efficient.

• Enhancing debt payment channels to be more convenient and faster.
• Developing services that allow customers to restructure their debts through the company’s application.
• Improving access channels to increase opportunities for customers to purchase assets held for sale through the company’s website.

Monitoring service outcomes to improve quality and build customer trust.

• Efficient after-sales service.
• Easily accessible contact channels.
• Listening to feedback/suggestions for improvement and development.
• Promoting financial education for customers.