Access to Products and Services and Financial Literacy

The Company expands access to financial products and services for vulnerable groups by promoting debt resolution through flexible and fair negotiations, facilitating asset access for low-income individuals, and leveraging technology to ensure comprehensive access to products and information for all groups.

Non-Performing Loan (NPL) Management

1. BAM has established transparent and fair debt restructuring procedures, providing debtors with ongoing opportunities to engage in restructuring negotiations. This approach enables debtors to restore their financial standing and reintegrate into the formal economic system.
2. BAM offers a range of debt restructuring options tailored to debtors' needs and repayment capacities, including lump-sum settlement or installment payments, adjustments to repayment terms such as extensions of repayment periods, reductions in interest rates and/or principal amounts, transfers of collateral or assets in settlement of debt, and debt-to-equity conversions.
3. BAM has implemented debt restructuring support programs for vulnerable debtor groups, including the following initiatives:
   3.1.   “Sukjai: Home Redemption Program”:  This program provides an opportunity for housing loan debtors with an outstanding principal balance of not more than THB 25 million, who have not been subject to absolute receivership, to redeem their residential collateral by repaying a minimum of 80 percent of the appraised value. Debtors may choose to settle the debt through a one-time payment within 90 days or through installment payments over a period of up to 25 years, in accordance with the Company's prescribed criteria and conditions.  
   3.2    “BAM Helping Restore Businesses Program”: This program offers eligible debtors, both individuals and juristic persons, with an outstanding principal balance of not more than THB 25 million, who have not been subject to absolute receivership and do not possess other assets, the opportunity to repay a minimum of 80 percent of the appraised value. Debtors may choose a one-time payment within 90 days or installment payments over a period of up to 25 years, subject to the Company's prescribed criteria and conditions.
4. BAM applies digital technology and innovation to expand channels for debt restructuring negotiations through online platforms, including the following: 
   4.1.   Facebook “Debt Resolution Center by BAM” and BAMThailand Page: These platforms provide information on news, promotional campaigns, financial and investment literacy content, and advisory services related to housing debt resolution. They also serve as online channels through which BAM debtors can request debt restructuring. To enhance communication efficiency, financial services and advisory functions will be consolidated from the "Debt Resolution Center by BAM" page to the BAMThailand page starting November 2025.
   4.2    Online Channels via Chatbot and Website: Debtors may inquire about information through the Chatbot and submit requests for debt restructuring via the online debt restructuring channel available on the Company's website. 

NPA Non-Performing Asset (NPA) Sales Management

1. BAM aims to promote asset ownership for low-income individuals, persons with limited access to credit from financial institutions, and former debtors seeking to repurchase assets. Eligible purchasers may acquire assets and apply to participate in BAM's installment payment program, which offers a special interest rate for the first 12 months and installment terms of up to 20 years, subject to the Company's prescribed criteria and conditions. In addition, the Company provides opportunities for small entrepreneurs purchasing assets for renovation and resale, as well as small-scale investors, to purchase assets through installment plans. This approach supports job creation, income generation, and the promotion of small business development.
2. BAM organizes sales promotion campaigns and marketing activities to support NPA sales, including the following: 
   2.1    “Public Assets for Homes of Resilient People” Campaign: This campaign promotes the sale of residential properties and vacant land priced at not more than THB 3 million, comprising more than 12,000 assets, to retail customers, enabling them to own homes at specially discounted prices in accordance with the Company's prescribed criteria and conditions. Eligible purchasers may also apply to participate in BAM's installment payment program. In 2025, total sales under this campaign amounted to 236 assets, representing a total value of THB 200 million.
   2.2    “0% Installment for 2 Years” Promotion (2025): This promotion recorded total sales of 349 assets with an aggregate value of THB 284 million.

The Company promotes financial literacy and understanding in areas including financial planning, investment, property acquisition, and debt resolution, as a means of supporting financial stability for the general public of all genders and age groups, as outlined below.
BAM disseminates financial and investment literacy content through online social media platforms, including Facebook and Instagram, with a total of 80 content items per year. The content covers a wide range of practical topics, such as “Savings techniques for purchasing homes or condominiums for salaried employees”, “Common investment pitfalls in condominium investments”, Key considerations in real estate investment”, Essential expenses that tenants should be aware of”, “The benefits of non-performing assets (NPAs)”, “The advantages of purchasing second-hand properties”, and “Techniques for enhancing the value of real estate assets”. 
 

The Company promotes customer engagement and relationships through a wide range of activities, including seasonal events, cultural and traditional activities, and sustainable tourism initiatives.
BAM organizes customer relationship activities both internally and externally on a continuous, annual basis as a gesture of appreciation and to strengthen positive relationships and long-term engagement between BAM and its customers and partners, including individual customers and investors. These activities serve as a strategic communication platform to demonstrate adherence to good corporate governance, social responsibility, and environmental stewardship, in alignment with the Company's sustainability (ESG) policies and objectives. Participants are actively encouraged to contribute to social and environmental responsibility initiatives.
Through these engagement initiatives, customers reported high levels of satisfaction, specifically commending BAM for its attentive care, professionalism, and respectful service. As a result, the Company achieved a service satisfaction score of 98 percent. Furthermore, customers demonstrated continued engagement in the Company’s subsequent activities and made repeat purchases of assets over the following periods.