Company Summary
BAY BANK OF AYUDHYA PUBLIC COMPANY LIMITED
Financials/Banking Data as of 18 Apr 2014  
SET50
CG Score:   
Price (B.) 52 Week High/Low P/E (X) P/BV (X) Paid-up (MB.) Market Cap (MB.)
37.75 40.25 / 27.50 19.32 1.89 60,741.44 229,298.93
Company Profile
Address 1222 RAMA III ROAD, BANGPHONGPHANG, YAN NAWA Bangkok 10120
Telephone 0-2296-2000, 0-2683-1000
Fax 0-2683-1304
URL www.krungsri.com
  Annual Report 2013
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 25.00% @ 18 Apr 2014 Foreign Limit 25.00%
1 Yr Price Performance (Adjusted Price)
Price Performance (Adjusted Price) Compare to Stock (%) Compare to Sector (%) Compare to Market (%)
5 Days -2.58 -3.83 -4.46
20 Days 7.09 2.22 4.35
60 Days 15.27 2.68 5.52
120 Days -1.95 2.20 3.31
YTD 23.77 7.26 14.07
P/E (X) 19.32 10.79 15.93
P/BV (X) 1.89 1.66 2.07
Turnover Ratio (%) - 0.34 0.40

Top 10 Major Shareholders(@13 Mar 2014) Share %
1. THE BANK OF TOKYO-MITSUBISHI UFJ, LTD. BAY ACCOUNT 4,373,714,120 72.01
2. ѷ ʵͧŴ ӡѴ 166,536,980 2.74
3. ѷ ع⪤ ӡѴ 166,478,940 2.74
4. ѷ ૷ ӡѴ 166,414,640 2.74
5. ѷ պշ ᫷Ԫ ӡѴ 166,151,114 2.74
6. ѷ պշ ૵๨ ӡѴ 163,112,900 2.69
7. ѷ ا෾÷ȹԷ ӡѴ 160,789,220 2.65
8. ѷ ҡԨŴ ӡѴ 158,726,810 2.61
9. ѷ عͧ ӡѴ 157,889,440 2.60
10. ѷ ػ ૷ ӡѴ 51,421,714 0.85

Management Position
1. MR. VERAPHAN TEEPSUWAN CHAIRMAN OF THE BOARD
2. Mr. KANETSUGU MIKE VICE CHAIRMAN OF THE BOARD OF DIRECTORS
3. Mr. NORIAKI GOTO CHIEF EXECUTIVE OFFICER
4. Mr. PHILIP TAN CHEN CHONG PRESIDENT
5. Mrs. JANICE RAE VAN EKEREN DIRECTOR
6. Miss NOPPORN TIRAWATTANAGOOL DIRECTOR
7. Mr. TAKESHI OGASAWARA DIRECTOR
8. Mr. GO WATANABE 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
18 Apr 2014
2013
27 Dec 2013
2012
28 Dec 2012
Listed share (M.) 6,074.14  6,074.14  6,074.14 
Par Value (B.) 10.00  10.00  10.00 
Market Cap (MB.) 229,298.93  185,261.38  197,409.67 
Price (B./share) 37.75  30.50  32.50 
BVPS (B./Share) 19.98  19.81  17.96 
P/BV (X) 1.89  1.54  1.81 
P/E (X) 19.32  12.66  17.40 
Turnover Ratio (%) 1.07  87.42  69.67 
Value Trade/Day (MB.) 29.66  776.70  500.49 
 
Rate of Return YTD  2013  2012 
Price Change (%) 23.77  -6.15  47.73 
Dividend Yield (%) 2.12  2.62  2.15 
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 2013 - 31 Dec 2013 0.40 Baht 07 May 2014 Cash
- 0.40 Baht 26 Sep 2013 Cash
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
 
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.) 2013 
(01/01/13 
-31/12/13) 
2012 
(01/01/12 
-31/12/12) 
2011  
Cash 28,216.33 25,078.92 25,164.85
Interbank & Money Mkt. 87,027.24 79,389.67 81,817.70
Investment Net 74,333.03 79,249.04 81,973.56
Net Loans and Accured Int. 907,164.24 801,235.82 690,086.81
- Loans & Receivables 988,013.87 869,382.12 751,404.97
- Allowance for Doubtful Acct 37,465.59 30,305.60 30,776.29
Assets Forclosed-Net 6,864.67 9,451.65 11,737.33
PP&E Net 20,138.76 18,299.72 17,568.12
Total Assets 1,179,581.95 1,071,965.50 947,797.35
Deposits 764,049.89 687,159.33 560,539.82
Borrowings 174,604.80 154,628.64 208,262.71
- ST-Borrowing - - -
Total Liabilities 1,057,934.00 958,479.38 845,101.75
Authorized Capital 75,741.44 70,893.93 70,893.93
Paid-Up Capital 60,741.44 60,741.44 60,741.44
- Preferred Shares - - -
- Ordinary Shares 60,741.44 60,741.44 60,741.44
Premium (Discount) On Share Capital 13,802.22 13,802.22 13,802.22
Other Surplus (Deficit) - - -
Retained Earnings (Deficit) 40,252.97 32,795.74 22,442.37
Treasury Stock - - -
Shareholders' Equity 121,369.06 113,322.40 102,488.98
Minority Interest 278.90 163.72 206.61
more
Statement of Comprehensive Income (MB.) 2013 
(01/01/13 
-31/12/13) 
2012 
(01/01/12 
-31/12/12) 
2011  
Interest & Div. Income 71,381.40 64,639.51 56,427.52
- Loans - - -
Interest Expense 26,442.28 24,686.85 18,962.79
- Deposits - - -
Net Interest & Div Income 44,939.13 39,952.66 37,464.73
Bad Debt & Doubtful Acct. - 11,384.76 12,213.52
Loss on Debt Restructuring - - -
Non-Interest Income 3,895.45 2,803.56 2,706.41
Fees & Service Income 18,766.09 16,433.51 13,837.95
Gain on Investments - - -
Gain on Exchange - - 1,278.25
Non-Interest Expenses 34,687.63 30,797.95 27,476.72
- Personnel Expenses 15,156.04 13,965.45 12,319.06
- Premises & Equip Expenses 5,809.18 5,514.36 4,632.49
- Fees & Service Expenses 4,214.56 3,698.53 3,050.72
- Loss on Investments - - -
- Loss on Exchange - - -
Net Income before Tax 15,927.82 19,005.58 15,614.08
Net Profit 11,866.65 14,625.33 9,264.34
EPS (B.) 1.95 2.41 1.53
more

Statement of Cash Flow (MB.) 2013 
(01/01/13 
-31/12/13) 
2012 
(01/01/12 
-31/12/12) 
2011  
Operating Cash Flow -12,826.44 62,658.87 -92,052.06
Investing Cash Flow 740.68 -4,794.81 -9,518.98
Financing Cash Flow 15,096.56 -58,203.03 104,502.30
Net Cash Flow 3,010.81 -338.97 2,931.26
more
Annualized: ROE, ROA
Ratios 2013  2012  2011 
ROE (%) 10.11 13.55 9.20
ROA (%) 1.41 1.88 1.72
Net Profit Margin (%) 12.62 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 (%) 2013  2012  2011 
Loan Growth N/A N/A -100.00
Deposit Growth N/A N/A -100.00
Net Profit Growth -18.86 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.
Source: www.set.or.th (Copyright © The Stock Exchange of Thailand)