BAM (Bangkok Bank's asset management subsidiary) reported H1 2026 net income of 451 million baht on collections of 6.5 billion baht, and is pivoting to a diversified business model. Key initiatives include establishing 3 new JV AMCs (asset management companies) with financial partners—first expected by Q3 end—launching "Restart with BAM" debt restructuring programme, and monetizing NPA (non-performing assets). Target: 600 billion baht total "BAM Universe" assets by year-end, reducing dependence on large single borrowers while building multiple revenue engines through partnerships.