Company Summary
BAY BANK OF AYUDHYA PUBLIC COMPANY LIMITED
Financials/Banking Data as of 23 May 2013  
SET50
CG Score:   
Price (B.) 52 Week High/Low P/E (X) P/BV (X) Paid-up (MB.) Market Cap (MB.)
35.50 37.00 / 26.00 14.15 1.84 60,741.44 215,632.10
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 2012
Establish Date 27/1/1945 Listed Date 26 Sep 1977
IPO Price (Baht) 270.00 @Par100.00 Baht
IPO Financial Advisory N/A
Last Par Change Old100.00 : New10.00 @ 17 Jun 1992

Business
Jointly with a strategic partners, GE Money, a global consumer financial services firm, the Company provides a full range of banking services to both commercial and individual customers with concentration on retail lending portfolio.

Free Float 14 Mar 2013 23 Mar 2012
% /Shareholders
74.65% 15,910 67.06% 15,990
Foreign Shareholders 47.20% @ 23 May 2013 Foreign Limit 47.20%
1 Yr Price Performance (Adjusted Price)
Price Performance (Adjusted Price) Compare to Stock (%) Compare to Sector (%) Compare to Market (%)
5 Days 0.71 3.75 1.36
20 Days 5.19 6.13 1.38
60 Days 4.41 5.34 0.46
120 Days 19.33 -1.38 -5.02
YTD 9.23 -0.52 -5.42
P/E (X) 14.15 13.96 18.25
P/BV (X) 1.84 1.99 2.56
Turnover Ratio (%) 1.40 0.52 1.11

Top 10 Major Shareholders(@23 Apr 2013) Share %
1. GE CAPITAL INTERNATIONAL HOLDING CORPORATION 1,538,365,000 25.33
2. บริษัท ไทยเอ็นวีดีอาร์ จำกัด 927,483,032 15.27
3. STATE STREET BANK EUROPE LIMITED 259,438,715 4.27
4. HSBC (SINGAPORE) NOMINEES PTE LTD 239,513,953 3.94
5. บริษัท สตรองโฮลด์ แอสเซ็ทส์ จำกัด 166,536,980 2.74
6. บริษัท ทุนมหาโชค จำกัด 166,478,940 2.74
7. บริษัท จี แอล แอสเซทส์ จำกัด 166,414,640 2.74
8. บริษัท บีบีทีวี แซทเทลวิชั่น จำกัด 166,151,114 2.74
9. บริษัท บีบีทีวี แอสเซตแมเนจเมนท์ จำกัด 163,112,900 2.69
10. บริษัท กรุงเทพโทรทัศน์และวิทยุ จำกัด 160,789,220 2.65

Management Position
1. MR. VERAPHAN TEEPSUWAN CHAIRMAN OF THE BOARD
2. Mrs. JANICE RAE VAN EKEREN CHIEF EXECUTIVE OFFICER / DIRECTOR
3. Mr. PHILIP TAN CHEN CHONG PRESIDENT
4. Mr. PORNSANONG TUCHINDA DIRECTOR
5. Mr. PONGPINIT TEJAGUPTA DIRECTOR
6. Mr. VIROJN SRETHAPRAMOTAYA DIRECTOR
7. Miss NOPPORN TIRAWATTANAGOOL DIRECTOR
8. Mr. XAVIER PASCAL DURAND DIRECTOR
9. Miss POTJANEE THANAVARANIT INDEPENDENT DIRECTOR / CHAIRMAN OF THE AUDIT COMMITTEE
10. Mr. VIRAT PHAIRATPHIBOON INDEPENDENT DIRECTOR / AUDIT COMMITTEE
11. Mr. KARUN KITTISATAPORN INDEPENDENT DIRECTOR
12. Mr. PHONG-ADUL KRISTNARAJ INDEPENDENT DIRECTOR / AUDIT COMMITTEE
Accumulated: Turnover Ratio, Value Trade/Day
Statistics YTD
23 May 2013		 2012
28 Dec 2012		 2011
30 Dec 2011
Listed share (M.) 6,074.14  6,074.14  6,074.14 
Par Value (B.) 10.00  10.00  10.00 
Market Cap (MB.) 215,632.10  197,409.67  133,631.16 
Price (B./share) 35.50  32.50  22.00 
BVPS (B./Share) 19.35  17.96  16.64 
P/BV (X) 1.84  1.81  1.32 
P/E (X) 14.15  17.40  12.10 
Turnover Ratio (%) 27.71  69.67  64.90 
Value Trade/Day (MB.) 595.35  500.49  396.78 
 
Rate of Return YTD  2012  2011 
Price Change (%) 9.23  47.73  -14.56 
Dividend Yield (%) 2.25  2.15  2.59 
Dividend Policy Not less than 30% of its consolidated net profit, except in cases where the Board of Directors determines that highly unusual circumstances warrant an adjusted dividend payment

Dividend
Operation Period Dividend/Share Unit Payment Date Type
01 Jul 2012 - 31 Dec 2012 0.40 Baht 07 May 2013 Cash
01 Jan 2012 - 30 Jun 2012 0.40 Baht 20 Sep 2012 Cash
01 Jul 2011 - 31 Dec 2011 0.35 Baht 22 May 2012 Cash
01 Jan 2011 - 30 Jun 2011 0.35 Baht 22 Sep 2011 Cash
01 Jul 2010 - 31 Dec 2010 0.35 Baht 04 May 2011 Cash
01 Jan 2010 - 30 Jun 2010 0.22 Baht 23 Sep 2010 Cash
 
Auditor
MR. PERMSAK WONGPATCHARAPAKORN/DELOITTE TOUCHE TOHMATSU JAIYOS AUDIT CO., LTD.
MR. NITI JUNGNITNIRUNDA/DELOITTE TOUCHE TOHMATSU JAIYOS AUDIT CO., LTD.
MR. CHAVALA TIENPASERTKIJ/DELOITTE TOUCHE TOHMATSU JAIYOS AUDIT CO., LTD.
F/S Year ended 31/12
Financial Data
Statement of Financial Position (MB.) 3M/2013 
(01/01/13 
-31/03/13) 		 3M/2012   2012 
(01/01/12 
-31/12/12) 		 2011  
Cash 24,137.08 23,141.58 25,078.92 25,164.85
Interbank & Money Mkt. 99,336.64 65,782.44 79,389.67 81,817.70
Investment Net 82,393.40 102,346.51 79,249.04 81,973.56
Net Loans and Accured Int. 807,331.45 712,157.53 801,235.82 690,086.81
- Loans & Receivables 879,191.42 775,188.39 869,382.12 751,404.97
- Allowance for Doubtful Acct 31,504.37 30,987.94 30,305.60 30,776.29
Assets Forclosed-Net 9,317.87 11,225.92 9,451.65 11,737.33
PP&E Net 17,969.54 17,545.23 18,299.72 17,568.12
Total Assets 1,102,777.11 976,104.16 1,071,965.50 947,797.35
Deposits 702,448.60 572,537.62 687,159.33 560,539.82
Borrowings 143,668.32 205,328.45 154,628.64 208,262.71
- ST-Borrowing - - - -
Total Liabilities 985,082.67 869,913.40 958,479.38 845,101.75
Authorized Capital 70,893.93 70,893.93 70,893.93 70,893.93
Paid-Up Capital 60,741.44 60,741.44 60,741.44 60,741.44
- Preferred Shares - - - -
- Ordinary Shares 60,741.44 60,741.44 60,741.44 60,741.44
Premium (Discount) On Share Capital 13,802.22 13,802.22 13,802.22 13,802.22
Other Surplus (Deficit) - - - -
Retained Earnings (Deficit) 36,907.56 25,930.25 32,795.74 22,442.37
Treasury Stock - - - -
Shareholders' Equity 117,504.50 106,057.30 113,322.40 102,488.98
Minority Interest 189.94 133.46 163.72 206.61
more
Statement of Comprehensive Income (MB.) 3M/2013 
(01/01/13 
-31/03/13) 		 3M/2012   2012 
(01/01/12 
-31/12/12) 		 2011  
Interest & Div. Income 16,917.92 15,362.02 64,639.51 56,427.52
- Loans - - - -
Interest Expense 6,316.00 5,982.05 24,686.85 18,962.79
- Deposits - - - -
Net Interest & Div Income 10,601.91 9,379.98 39,952.66 37,464.73
Bad Debt & Doubtful Acct. 3,080.74 2,712.51 11,384.76 12,213.52
Loss on Debt Restructuring - - - -
Non-Interest Income 758.91 619.77 2,803.56 2,706.41
Fees & Service Income 4,653.89 3,736.29 16,433.51 13,837.95
Gain on Investments - - - -
Gain on Exchange - - - 1,278.25
Non-Interest Expenses 8,312.42 7,006.96 30,797.95 27,476.72
- Personnel Expenses 3,882.12 3,207.19 13,965.45 12,319.06
- Premises & Equip Expenses 1,481.46 1,209.67 5,514.36 4,632.49
- Fees & Service Expenses 1,047.41 864.81 3,698.53 3,050.72
- Loss on Investments - - - -
- Loss on Exchange - - - -
Net Income before Tax 5,038.86 4,461.59 19,005.58 15,614.08
Net Profit 4,045.44 3,430.08 14,625.33 9,264.34
EPS (B.) 0.67 0.56 2.41 1.53
more

Statement of Cash Flow (MB.) 3M/2013 
(01/01/13 
-31/03/13) 		 3M/2012   2012 
(01/01/12 
-31/12/12) 		 2011  
Operating Cash Flow 7,797.74 17,652.34 62,658.87 -92,052.06
Investing Cash Flow 2,284.90 -16,991.98 -4,794.81 -9,518.98
Financing Cash Flow -10,967.54 -2,934.40 -58,203.03 104,502.30
Net Cash Flow -884.90 -2,274.03 -338.97 2,931.26
more
Annualized: ROE, ROA
Ratios 3M/2013  3M/2012  2012  2011 
ROE (%) 13.63 9.61 13.55 9.20
ROA (%) 1.88 1.75 1.88 1.72
Net Profit Margin (%) 18.12 17.40 17.44 12.70

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/2013  3M/2012  2012  2011 
Loan Growth N/A N/A N/A -100.00
Deposit Growth N/A N/A N/A -100.00
Net Profit Growth 17.94 22.15 57.87 5.36


Trading Sign (Last 1 Year)
Trading Alert Posted Date Lifted Date
No Information Found

Market Alert (Last 1 Year)
No Information Found

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.
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