Page 96 - BAM ONE REPORT 2564 (ENGLISH VERSION)

94 Part 1
Business Operation and Performance

BAM buys and receives transfers of non-performing “Buy Properties in Installments with BAM” Project, such as
loans/assets in the financial institution system to manage “public-priced condo projects”, “REFINANCE installment
and resolve issues in order to support the swift recovery of project”, “Real Estate for the Future” project, which allows
domestic economy through business strategies and plans. more foreclosed properties to be released. This has a
positive effect on the big picture of the real estate sector
Non-performing loans (NPL), where debtors face and helps develop the country's economic system.
liquidity problems, can be fixed in part through debt restructure,
which can bring about a resolution without going through a
court process or enforcing collateral to sell at auction. There
are various measures in place to compound a debt which
allows retail debtors to gain collateral back, which could
be a residential or a commercial lot, while large debtors
could continue to operate their business and contribute
to economic circulation with more lenient requirements
through debt reconciliation measures on a voluntary basis.
There are guidelines for cooperation between both parties
to reach a resolution and mutual benefits.

In addition, BAM also issued measures or projects
to relieve the suffering of debtors or customers such as
measures to help retail customers and SME customers
affected by the COVID-19 epidemic situation, which
affects customers' ability to pay in installments, through
debt restructuring with BAM's ‘Overcome COVID Crisis
Measures’, such as the ‘Suk Jai Dai Ban Khun’ Project
and the ‘Reviving Business With BAM’ Project.

Foreclosed Property Management (NPA)
with survey operations, property inspection, and property
repairing and renovating - which will be carried out after
embroidering the title plate, with focus on property
development and create potential in accordance with the
business policy with social responsibility (CSR In - Process)
and environmental protection. This is done by renovating
a BAM house into an energy-saving home and use
environmentally friendly materials, as well as promoting
sales to stimulate the economy through various projects
to create opportunities for customers or low-income
earners to have homes of their own, including helping
people and investors during the economic downturn
to be able to own real estate or places to run businesses
with a project to help buyers in accordance with BAM’s