Company Summary
BAY BANK OF AYUDHYA PUBLIC COMPANY LIMITED
Financials/Banking
SET
CG Report:   
 
  Data as of 18 May 2022  
Price (B.) 52 Week High/Low P/E (X) P/BV (X) Paid-up (MB.) Market Cap (MB.)
32.75 39.25 / 27.25 6.94 0.74 73,557.62 240,901.20
News
Date/Time Subject
12 May 2022 13:02   Management Discussion and Analysis for the quarter ended March 31, 2022 (Reviewed)
12 May 2022 13:01   Financial Statement Quarter 1/2022 (Reviewed)
12 May 2022 13:00   Financial Performance Quarter 1 (F45) (Reviewed)
12 May 2022 13:00   Submission of the Financial Statements for the three-month period ended March 31, 2022 (Reviewed)
12 May 2022 12:43   Dissemination of the Minutes of the Electronic Annual General Meeting of Shareholders on the Bank's Website
more

Company Profile
Address 1222 RAMA III ROAD, BANGPHONGPHANG, YAN NAWA Bangkok 10120
Telephone 0-2296-2000, 0-2683-1000
Fax 0-2683-1304
URL http://www.krungsri.com
  Annual Report 2021
Establish Date 27/1/1945 Listed Date 26/09/1977
IPO Price (Baht) 270.00 @Par100.00 Baht
IPO Financial Advisory N/A
Par 10.00 Baht
Last Par Change Old 100.00 : New 10.00 @ 17/06/1992

Business
The Bank of Ayudhya PCL is Thailand?s fifth-largest universal bank by assets, loans, and deposits, and is a strategic member of the Mitsubishi UFJ Financial Group (MUFG), Japan?s largest financial group, and among the world?s largest. The Bank and our 23 subsidiaries and joint ventures (Krungsri Group) constantly strive to meet the ever-changing needs of our broad customer base by offering a comprehensive range of universal banking products and services to key target groups: commercial banking (Thai, Japanese, multinational corporations, and SMEs) and retail banking. We also provide related financial services through our subsidiaries and joint ventures, including wealth management, credit cards, non-life insurance, asset management, securities trading, auto hire purchase, microfinance, and installment loans. As of year-end 2020, The Bank boasted total registered capital of 75,741 million baht and 73,558 million baht of paid-up capital.

Free Float 10 Mar 2022 11 Mar 2021
% /Shareholders
23.12% 14,077 23.12% 13,450
Foreign Shareholders 25.00% (As of 18/05/2022) Foreign Limit 25.00%
NVDR Shareholders  0.16% (As of 18/05/2022)
5 Yr Price Performance (Adjusted Price)
Price Performance (Adjusted Price) Compare to Stock (%) Compare to Sector (%) Compare to Market (%)
5 Days -2.24 0.22 -2.09
20 Days -5.07 1.77 -2.28
60 Days -10.88 9.81 -5.78
120 Days -9.66 3.09 -7.94
YTD -7.75 4.09 -5.62
P/E (X) 6.94 8.73 18.48
P/BV (X) 0.74 0.82 1.71
Turnover Ratio (%) N/A 0.22 1.04

Top 10 Major Shareholders(@11 May 2022) Share %
1. MUFG BANK, LTD. 5,655,332,146 76.88
2. บริษัท สตรองโฮลด์ แอสเซ็ทส์ จำกัด 166,536,980 2.26
3. บริษัท ทุนมหาโชค จำกัด 166,478,940 2.26
4. บริษัท จี แอล แอสเซทส์ จำกัด 166,414,640 2.26
5. บริษัท บีบีทีวี แซทเทลวิชั่น จำกัด 166,151,114 2.26
6. บริษัท บีบีทีวี แอสเซตแมเนจเมนท์ จำกัด 163,112,900 2.22
7. บริษัท กรุงเทพโทรทัศน์และวิทยุ จำกัด 160,789,220 2.19
8. บริษัท มหากิจโฮลดิ้ง จำกัด 158,726,810 2.16
9. บริษัท ทุนรุ่งเรือง จำกัด 157,889,440 2.15
10. บริษัท ซุปเปอร์ แอสเซทส์ จำกัด 51,421,714 0.70

Management Position
1. Mr. KARUN KITTISATAPORN CHAIRMAN OF THE BOARD OF DIRECTORS / INDEPENDENT DIRECTOR
2. Mr. TAKANORI SAZAKI VICE CHAIRMAN
3. Mr. SEIICHIRO AKITA PRESIDENT & CHIEF EXECUTIVE OFFICER / DIRECTOR
4. Miss NOPPORN TIRAWATTANAGOOL DIRECTOR
5. Mr. PORNSANONG TUCHINDA DIRECTOR
6. Miss DUANGDAO WONGPANITKRIT DIRECTOR
7. Mr. HISASHI KANAMORI DIRECTOR
8. Mr. VIRAT PHAIRATPHIBOON INDEPENDENT DIRECTOR
9. Mr. JAMLONG ATIKUL INDEPENDENT DIRECTOR / AUDIT COMMITTEE
10. Mrs. TONGURAI LIMPITI INDEPENDENT DIRECTOR / CHAIRPERSON OF THE AUDIT COMMITTEE
11. Dr. WITTAYA WATCHARAWITTAYAKUL INDEPENDENT DIRECTOR / AUDIT COMMITTEE
Accumulated: Turnover Ratio, Value Trade/Day
Statistics YTD
18 May 2022		 2021
30 Dec 2021		 2020
30 Dec 2020
Listed share (M.) 7,355.76  7,355.76  7,355.76 
Market Cap (MB.) 240,901.20  261,129.54  229,867.56 
Price (B./share) 32.75  35.50  31.25 
BVPS (B./Share) 44.06  42.21  38.67 
P/BV (X) 0.74  0.84  0.81 
P/E (X) 6.94  8.48  8.81 
Turnover Ratio (%) 1.54  6.16  3.24 
Value Trade/Day (MB.) 45.96  63.95  28.02 
Beta 1.19  1.29  0.94 
 
Rate of Return YTD  2021  2020 
Price Change (%) -7.75  13.60  4.17 
Dividend Yield (%) 2.60  0.99  2.72 
Payout Ratio 0.18  0.18  0.13 
Dividend Policy The Bank will determine dividend payment by taking into consideration capital adequacy as the first priority and other factors inctuding the actual operating results, returns to shareholders and regulatory requirements (with additional conditions)

Dividend
Operation Period Dividend/Share Unit Payment Date Type
- 0.45 Baht 26 May 2022 Cash
- 0.40 Baht 22 Sep 2021 Cash
- 0.35 Baht 27 May 2021 Cash
- 0.45 Baht 23 Apr 2020 Cash
- 0.40 Baht 26 Sep 2019 Cash
 
Auditor
(Effective Until 31/12/2022)
MR. CHAVALA TIENPASERTKIJ/DELOITTE TOUCHE TOHMATSU JAIYOS AUDIT CO., LTD.
MRS. NISAKORN SONGMANEE/DELOITTE TOUCHE TOHMATSU JAIYOS AUDIT CO., LTD.
Mr. YONGYUTH LERTSURAPIBUL/DELOITTE TOUCHE TOHMATSU JAIYOS AUDIT CO., LTD.
Mr. KASITI KETSURIYONK/DELOITTE TOUCHE TOHMATSU JAIYOS AUDIT CO., LTD.
F/S Year ended 31/12
Latest Type of Report Unqualified opinion
Financial Data
Statement of Financial Position (MB.) 3M/2022 
(01/01/22 
-31/03/22) 		 3M/2021 
(01/01/21 
-31/03/21) 		 2021 
(01/01/21 
-31/12/21) 		 2020 
(01/01/20 
-31/12/20) 		 2019 
(01/01/19 
-31/12/19) 
Accounting Type Consolidate Consolidate Consolidate Consolidate Consolidate
Cash 27,103.60 28,213.27 29,370.78 30,333.32 33,830.34
Interbank & Money Mkt. - Net 433,125.57 594,315.74 346,816.01 523,384.55 331,431.38
Investment Net 174,103.12 174,034.68 182,710.31 176,465.14 130,292.30
Net Loans and Accured Int. 1,853,606.96 1,770,991.30 1,816,869.47 1,765,622.64 1,754,976.03
 - Loans & Receivables - - - - 1,909,361.54
 - Allowance For Expected Credit Loss - - - - 67,384.23
Assets Forclosed-Net 4,989.64 3,132.70 3,273.21 3,365.64 3,500.20
PP&E Net 30,487.25 31,003.77 30,821.33 31,196.62 29,029.49
Total Assets 2,607,615.44 2,695,268.42 2,499,108.63 2,609,373.79 2,359,591.60
Deposits 1,829,180.37 1,888,463.54 1,779,138.53 1,834,505.19 1,566,884.78
Debts Issued And Borrowings 122,027.27 140,770.30 118,977.17 146,118.87 175,667.18
Other Liabilities 41,891.53 38,720.05 41,752.88 43,387.50 44,223.30
Total Liabilities 2,282,788.87 2,398,887.16 2,180,871.98 2,320,194.83 2,087,475.95
Authorized Capital 75,741.44 75,741.44 75,741.44 75,741.44 75,741.44
Paid-Up Capital 73,557.62 73,557.62 73,557.62 73,557.62 73,557.62
 - Preferred Shares - - - - -
 - Ordinary Shares 73,557.62 73,557.62 73,557.62 73,557.62 73,557.62
Treasury Shares - - - - -
Shares Of The Company Held By Subsidiaries - - - - -
Other Surplus (Deficit) - - - - -
Premium (Discount) On Share Capital 52,878.75 52,878.75 52,878.75 52,878.75 52,878.75
Retained Earnings (Deficit) 194,290.47 163,402.45 186,779.95 156,836.45 140,041.48
Shareholders' Equity 324,062.51 294,670.35 317,515.88 287,544.18 270,789.95
Minority Interest 764.06 1,710.91 720.78 1,634.78 1,325.70
more
Statement of Comprehensive Income (MB.) 3M/2022 
(01/01/22 
-31/03/22) 		 3M/2021 
(01/01/21 
-31/03/21) 		 2021 
(01/01/21 
-31/12/21) 		 2020 
(01/01/20 
-31/12/20) 		 2019 
(01/01/19 
-31/12/19) 
Accounting Type Consolidate Consolidate Consolidate Consolidate Consolidate
Interest Income 24,751.41 24,951.77 99,803.76 108,062.35 110,455.44
Interest Expense 4,879.59 5,763.02 21,823.67 26,758.21 34,032.36
Net Interest Income 19,871.82 19,188.75 77,980.09 81,304.14 76,423.08
Fees & Service Income 6,030.94 6,151.24 24,053.02 24,811.85 29,652.17
Fees And Service Expenses 1,799.85 1,833.33 7,201.75 7,247.67 7,875.67
Net Fees And Service Expenses 4,231.09 4,317.91 16,851.26 17,564.19 21,776.50
Dividend Income 94.25 91.95 366.33 - -
Gains (Losses) on Investments - 34.70 10,925.24 108.75 9,232.11
Interest Income (Expense) From Financial Assets And Liabilities Designated At Fair Value 1,131.45 1,008.80 4,095.79 4,112.02 4,349.80
Other Operating Expenses 12,062.77 12,098.50 48,954.27 48,465.00 52,168.71
 - Personnel Expenses 6,708.82 7,003.29 26,717.40 25,296.70 27,648.47
 - Premises & Equip Expenses 1,720.52 1,821.73 7,194.40 7,549.88 7,922.34
(Reversal Of) Expected Credit Losses 6,783.01 7,313.91 31,604.34 36,643.68 28,202.96
Net Income before Tax 9,374.59 8,231.18 42,347.78 28,878.23 41,236.31
Net Profit : Owners Of The Parent 7,418.28 6,504.85 33,794.19 23,039.78 32,748.51
EPS (B.) 1.01 0.88 4.59 3.13 4.45
more
Statement of Cash Flow (MB.) 3M/2022 
(01/01/22 
-31/03/22) 		 3M/2021 
(01/01/21 
-31/03/21) 		 2021 
(01/01/21 
-31/12/21) 		 2020 
(01/01/20 
-31/12/20) 		 2019 
(01/01/19 
-31/12/19) 
Accounting Type Consolidate Consolidate Consolidate Consolidate Consolidate
Operating Cash Flow -11,148.22 16,611.09 46,405.17 83,622.11 -37,297.55
Investing Cash Flow 5,577.49 -12,592.12 -11,800.51 -51,945.87 23,599.24
Financing Cash Flow 2,701.48 -5,817.97 -34,473.97 -33,674.35 13,449.77
Net Cash Flow -2,869.26 -1,799.00 130.69 -1,998.11 -248.54
more
Annualized: ROE, ROA
Ratios 3M/2022  3M/2021  2021  2020 
ROE (%) 11.22 7.95 11.17 8.25
ROA (%) 2.43 2.05 2.51 2.24
Net Profit Margin (%) 22.37 19.58 25.23 16.41
Net Interest Margin (%) 0.03 0.03 0.03 0.04

Information only PP, PO, XR and XD
Capital Movement (Last 3 Year)
Date CA Type Changed paid up share Paid up share Par
No Information Found

Growth Rate (%) 3M/2022  3M/2021  2021  2020 
Loan Growth 4.66 -1.81 2.90 0.61
Deposit Growth -3.14 13.26 -3.02 17.08
Net Profit Growth 14.04 -7.50 46.68 -29.65


Trading Sign (Latest)
Trading Alert Posted Date Lifted Date
No Information Found

Market Alert (Latest)
No Information Found
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Only Preferred Share and Warrants
Other Securities
Securities Name -

Remark - Calculated from adjusted price
  - Presented and calculated from the consolidated statement and displayed as cumulative quarterly statement by fiscal year (Company statement will be presented and calculated incase consolidated statement is not available.)
  - The information is quarterly updated within 7 business days after the new financial statement is submitted.
  -
 		 Information on the financial statements is presented according to the information that the listed companies submit on that period. The investors should study additional information from the companies' financial statements since some companies may restate the comparing financial statements on the latest financial statements.
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