Page 84 - BAM ONE REPORT 2564 (ENGLISH VERSION)

82 Part 1
Business Operation and Performance

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COVID-19
VACCINE
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Moreover, risk has been incurred from the global spread of COVID-19 which broke out in early 2020. Such
pandemic has dampened debt serviceability, which led to a decrease in interest income for the portion already received
by the Company. Some customers have sought to join the debt moratorium scheme under the debtor assistance
measures, while several customers have failed to pay either interest or principal and negotiated for deferment of their
installment payments. Thus, the Company may be unable to purchase debts by auction from commercial banks since
most of the debtors are still in the loan payment holiday period and banks still need not classify them as NPL. Besides,
the Company expects that financial institutions will offer the bad debts arising due to COVID-19 for sales from late 2020
to early 2021. Such pandemic may accordingly have an adverse impact on the Company’s performance in 2021.
Nonetheless, the Company implements measures to minimize the effects and risks from this situation to a certain
extent by laying down assistance measures for NPL debtors and NPA customers. The Company also adopts the guidelines
on prevention of the spread of COVID-19 to ensure the employee caring measures are efficient and fit with the situation,
comprising 1) announcement of guidelines for employees to prevent the spread of COVID-19, 2) formulation of BCP to
prioritize the types of works under the COVID-19 situation, 3) designation of screening points for entry/exit into/from
the office buildings, 4) spraying of disinfectants at the headquarters and branch offices nationwide, 5) formulation of
practice guide for employees in case there are persons found to contract COVID-19 within the office building,
6) establishment of BAM Isolation Unit at De Val Resort in Nakhon Nayok Province to accommodate the COVID-19
infected employees who show no or mild symptoms, 7) determination of the percentage of working from home
according to the COVID-19 situation, and 8) campaign for and seeking of cooperation from all employees in receiving
vaccinations against the COVID-19.