FAQ
JMT specializes in the purchase and management of non-performing loans (NPLs), both secured and unsecured, acquired from financial institutions and other creditors. The company generates income through debt collection, asset recovery, and restructuring solutions
JMT focuses on unsecured consumer debt, a segment requiring strong collection platforms, data analytics, and legal execution. The company also benefits from economies of scale and long experience in the Thai NPL market
JMT applies conservative accounting and ECL modeling in line with IFRS 9. The company actively monitors collection performance and adjusts ECL provisions based on recovery trends and macroeconomic factors
JMT targets high-return portfolios with manageable risk, focusing on consumer unsecured debts and small ticket secured loans. The company acquires NPLs primarily from banks, with a disciplined approach on pricing and recovery outlook
JMT expects continued growth from aggressive NPL acquisitions, enhanced collection technology, and synergies from the JMART Group ecosystem. The company mainly aims to expand its unsecured asset portfolio and improve ECL efficiency.
Yes, JMT has a policy to pay dividends of not less than 50% of net profit after legal reserves. Dividend payments depend on performance, cash flow, and investment plans
High household debt contributes to a sustained supply of NPLs in the market. This provides opportunities for JMT to acquire quality portfolios. However, the company also monitors consumer behavior and macro risks closely