Page 367 - E-BOOK

1. Debtor support program

1.1 Sukjai Dai Ban Khuen (pleased to have your home back)
Project: This project helps individual debtors of housing loans, who enter
into the debt restructuring program with the Company and whose principal
debt is less than Baht 10 million, to have the opportunity to repay their
debts and to reclaim the collaterals, which are normally their homes, back
easily. Debtors will have the choice of paying the debt at 80% of the appraisal
price under BAM’s criteria, with 0% interest rate for two years, by either
one-time payment within 90 days or installment payment for a period of not
more than 20 years.

1.2 “BAM Chuai Phuen Khuen Turakij” (BAM helps revitalize your business) Project: This project
helps all types of debtors, whether individual or corporate, with principal debt of not more than Baht 20 million
each by providing opportunity to repay their debts and reclaim the collaterals back easily. They will have the
choice of paying the debt at 80% of the appraisal price under BAM’s criteria, with 0% interest rate for one year,
by either one-time payment within 90 days or installment payment for a period of not more than 10 years.

1.3 Measures to assist customers in the COVID-19 situation: To support solving of problems caused
by the COVID-19 pandemic, the Company released measures to relieve difficulties of debtors whose NPLs are
under debt restructuring and debtors under installment payment program who have been hit by this crisis such 365
that they have become less able, or even unable, to repay their debts for the time being. For customers suffering
from such situation, debt moratorium will be considered on a case-by-case basis. Customers may choose one
of the three measures that best matches their debt servicing capability, as follows: (1) suspension of principal
and interest payments for three months; (2) suspension of principal and interest payments for three months
and, after that, suspension of principal repayments for another three months (payment of interest only); and
(3) suspension of principal repayments (payment of interest only) until the December 2020 installment. Customers
eligible for such debt moratorium programs must be those affected by the COVID-19 pandemic, including Bangkok Commercial Asset Management Public Co., Ltd.
customers undergoing debt restructuring with the Company, both retail and SME customers; and customers
purchasing NPAs with installment payments to the Company.

2. Projects to assist buyers of NPAs
2.1 Condo for the People Project: This project is targeted at people with low income. In response to the
government policy to stimulate real estate market and assist low-income earners who cannot afford down
payment but wish to buy homes of their own, the Company launched the project, “Condo Don Jai Sabai Krapao”
(Affordable – Pleasurable Condominium Sales Project) - Buying is cheaper than rent, to sell condominiums at the
price of not more than Baht 500,000 per unit in over 60 projects from various locations in Bangkok and the provinces.
The Company also offers a project for purchase of NPAs under installment payment program to provide opportunity
and assist people with low income who do not have access to funding sources.

3. Project for purchase of NPAs under installment payment program: This is a sales promotion activity for
buyers of NPAs at the price of not more than Baht 3 million who will get 0% interest for two years and then MLR
throughout the contract period, aiming to assist small customers to buy and own a home.