Chayo Group PCL

SET:CHAYO

Chayo Group PCL

Investor Relations

Chayo Group is a Thai company built around debt recovery and distressed debt investing. It buys overdue consumer and small-business loans from banks and other lenders, then tries to collect the cash itself or through its own collection services. It also earns fees by helping financial institutions recover unpaid accounts on their behalf. Its main customers are banks, finance companies, and other lenders that want to clean up bad loans and reduce the work of collecting them. Chayo makes money in two main ways: by collecting payments on debt it owns, and by charging service fees for third-party collection work. It also has a lending arm that provides credit to borrowers, which adds another source of interest income. What makes Chayo’s business different is that it sits between lenders and borrowers after a loan has gone bad. Instead of making money only when borrowers repay on time, it specializes in buying or managing problem debt at a discount and turning collections into profit over time. That makes it part financial services company, part recovery specialist, and part credit provider.