Company Summary
BAY BANK OF AYUDHYA PUBLIC COMPANY LIMITED
Financials/Banking
SET
CG Report:   
 
  Data as of 11 Dec 2018  
Price (B.) 52 Week High/Low P/E (X) P/BV (X) Paid-up (MB.) Market Cap (MB.)
40.25 51.00 / 37.75 12.14 1.25 73,557.62 296,069.41
News
Date/Time Subject
20 Nov 2018 13:12   C.B.1.1 as of October 31, 2018
09 Nov 2018 13:17   Management Discussion and Analysis for the quarter and nine-month period ended September 30, 2018 (Reviewed)
09 Nov 2018 13:16   Reviewed Quarter 3 and Consolidated F/S (F45-3)
09 Nov 2018 13:16   Submission of Reviewed Financial Statements for the nine-month period ended September 30, 2018
09 Nov 2018 13:16   Financial Statement Quarter 3/2018 (Reviewed)
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 www.krungsri.com
  Annual Report 2017
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 a strategic member of the Mitsubishi UFJ Financial Group (MUFG), Japan?s largest financial group and one of the world?s largest financial groups. The Bank provides a full range of banking services to both commercial banking and retail customers. We also provide related financial services through our subsidiaries, which include wealth management, credit cards, non-life insurance, asset management, securities trading, auto hire purchase, equipment leasing, factoring, microfinance and installment loans.

Free Float 15 Mar 2018 10 Mar 2017
% /Shareholders
23.11% 11,064 23.11% 10,773
Foreign Shareholders 25.00% (As of 11/12/2018) Foreign Limit 25.00%
NVDR Shareholders  0.09% (As of 11/12/2018)
3 Yr Price Performance (Adjusted Price)
Price Performance (Adjusted Price) Compare to Stock (%) Compare to Sector (%) Compare to Market (%)
5 Days -1.23 -0.81 -0.73
20 Days - 2.34 2.14
60 Days 1.26 1.73 3.66
120 Days -3.01 -3.86 2.30
YTD 1.26 8.74 8.70
P/E (X) 12.14 11.12 15.46
P/BV (X) 1.25 1.13 1.85
Turnover Ratio (%) N/A 0.16 0.65

Top 10 Major Shareholders(@06 Sep 2018) Share %
1. MUFG BANK,LTD. BAY ACCOUNT 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. VERAPHAN TEEPSUWAN CHAIRMAN OF THE BOARD
2. Mr. ATSUSHI MURAKAMI VICE CHAIRMAN
3. Mr. NORIAKI GOTO PRESIDENT & CHIEF EXECUTIVE OFFICER / DIRECTOR
4. Miss NOPPORN TIRAWATTANAGOOL DIRECTOR
5. Mr. PORNSANONG TUCHINDA DIRECTOR
6. Miss DUANGDAO WONGPANITKRIT DIRECTOR
7. Mr. TORU MATSUDA DIRECTOR
8. Miss JUNKO KAWANO 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. JAMLONG ATIKUL INDEPENDENT DIRECTOR / AUDIT COMMITTEE
Accumulated: Turnover Ratio, Value Trade/Day
Statistics YTD
11 Dec 2018
2017
29 Dec 2017
2016
30 Dec 2016
Listed share (M.) 7,355.76  7,355.76  7,355.76 
Market Cap (MB.) 296,069.41  292,391.53  294,230.47 
Price (B./share) 40.25  39.75  40.00 
BVPS (B./Share) 32.19  29.81  27.62 
P/BV (X) 1.25  1.33  1.45 
P/E (X) 12.14  12.89  13.78 
Turnover Ratio (%) 2.89  1.31  3.12 
Value Trade/Day (MB.) 40.98  15.13  33.70 
Beta 0.88  0.76  1.04 
 
Rate of Return YTD  2017  2016 
Price Change (%) 1.26  -0.62  34.45 
Dividend Yield (%) 2.11  2.14  2.00 
Payout Ratio 0.26  0.28  0.28 
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
- 0.40 Baht 20 Sep 2018 Cash
01 Jul 2017 - 31 Dec 2017 0.45 Baht 21 May 2018 Cash
01 Jan 2017 - 30 Jun 2017 0.40 Baht 21 Sep 2017 Cash
01 Jul 2016 - 31 Dec 2016 0.45 Baht 25 May 2017 Cash
01 Jan 2016 - 30 Jun 2016 0.40 Baht 22 Sep 2016 Cash
01 Jul 2015 - 31 Dec 2015 0.40 Baht 26 May 2016 Cash
 
Auditor
(Effective Until 31/12/2018)
MR. SUPHAMIT TECHAMONTRIKUL/DELOITTE TOUCHE TOHMATSU JAIYOS AUDIT CO., LTD.
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.
F/S Year ended 31/12
Latest Type of Report Unqualified opinion
Financial Data
Statement of Financial Position (MB.) 9M/2018 
(01/01/18 
-30/09/18) 
9M/2017 
(01/01/17 
-30/09/17) 
2017 
(01/01/17 
-31/12/17) 
2016 
(01/01/16 
-31/12/16) 
2015 
(01/01/15 
-31/12/15) 
Cash 30,138.54 32,367.97 38,244.20 36,142.43 33,689.89
Interbank & Money Mkt. 238,955.44 265,565.90 330,797.38 200,283.42 194,094.46
Investment Net 118,009.49 93,528.55 86,156.90 133,701.21 111,602.48
Net Loans and Accured Int. 1,608,712.04 1,445,857.07 1,498,845.38 1,403,284.83 1,262,082.66
- Loans & Receivables 1,745,473.97 1,561,339.98 1,619,357.88 1,506,222.33 1,353,558.62
- Allowance for Doubtful Acct 61,110.86 53,438.16 54,172.85 48,273.62 43,218.11
Assets Forclosed-Net 3,686.65 3,876.36 3,684.84 4,256.25 5,049.76
PP&E Net 25,775.91 25,496.67 26,401.17 25,221.07 20,993.11
Total Assets 2,093,284.10 1,958,169.51 2,088,772.07 1,883,188.21 1,705,516.51
Deposits 1,376,585.21 1,197,283.18 1,319,228.95 1,108,287.93 1,046,289.67
Borrowings 185,082.55 148,221.60 142,866.15 160,325.73 108,120.55
- ST-Borrowing - - - - -
Total Liabilities 1,855,506.67 1,738,146.55 1,862,784.84 1,674,420.20 1,514,768.79
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
Premium (Discount) On Share Capital 52,878.75 52,878.75 52,878.75 52,878.75 52,878.75
Other Surplus (Deficit) - - - - -
Retained Earnings (Deficit) 107,817.85 89,135.64 95,197.54 77,680.13 61,937.69
Treasury Stock - - - - -
Shareholders' Equity 236,786.40 219,250.42 225,130.51 208,179.34 190,355.19
Minority Interest 991.03 772.55 856.72 588.67 392.52
more
Statement of Comprehensive Income (MB.) 9M/2018 
(01/01/18 
-30/09/18) 
9M/2017 
(01/01/17 
-30/09/17) 
2017 
(01/01/17 
-31/12/17) 
2016 
(01/01/16 
-31/12/16) 
2015 
(01/01/15 
-31/12/15) 
Interest & Div. Income 79,040.80 70,160.57 94,997.81 85,924.55 81,946.69
- Loans - - - - -
Interest Expense 23,447.30 19,393.19 26,463.00 23,947.86 25,596.35
- Deposits - - - - -
Net Interest & Div Income 55,593.51 50,767.39 68,534.81 61,976.70 56,350.34
Bad Debt & Doubtful Acct. 18,047.19 15,722.34 21,508.17 20,528.64 18,861.41
Loss on Debt Restructuring 1,342.75 1,137.88 1,512.32 785.89 1,328.04
Non-Interest Income 5,669.37 5,051.42 6,839.34 1,773.51 2,168.06
Fees & Service Income 21,298.40 19,132.37 26,340.62 24,141.66 22,670.21
Gain on Investments - - - - -
Gain on Exchange - - - - -
Non-Interest Expenses 37,864.94 35,077.37 48,209.95 43,079.98 38,947.12
- Personnel Expenses 19,606.55 18,065.07 24,437.91 21,333.84 18,914.08
- Premises & Equip Expenses 6,235.39 6,109.98 8,248.12 7,355.73 6,830.94
- Fees & Service Expenses 5,669.46 4,786.98 6,665.53 5,967.02 5,440.60
- Loss on Investments - - - - -
- Loss on Exchange - - - - -
Net Income before Tax 23,840.76 22,138.52 29,299.54 27,092.28 23,640.12
Net Profit 18,702.51 17,530.23 23,209.27 21,404.03 18,634.19
EPS (B.) 2.54 2.38 3.16 2.91 2.54
more
Statement of Cash Flow (MB.) 9M/2018 
(01/01/18 
-30/09/18) 
9M/2017 
(01/01/17 
-30/09/17) 
2017 
(01/01/17 
-31/12/17) 
2016 
(01/01/16 
-31/12/16) 
2015 
(01/01/15 
-31/12/15) 
Operating Cash Flow -8,387.04 -28,854.88 -17,552.75 -6,157.85 46,750.15
Investing Cash Flow -33,467.51 42,991.40 43,822.55 -31,355.82 23,864.10
Financing Cash Flow 35,841.23 -18,448.43 -23,807.11 41,512.23 -69,501.31
Net Cash Flow -6,013.32 -4,311.91 2,462.70 3,998.57 1,112.94
more
Annualized: ROE, ROA
Ratios 9M/2018  9M/2017  2017  2016 
ROE (%) 10.69 10.74 10.71 10.74
ROA (%) 1.53 1.51 1.48 1.51
Net Profit Margin (%) 17.64 18.58 18.11 19.14

Information only PP, PO, XR and XD
Capital Movement (Last 3 Year)
Date CA Type Changed paid up share Paid up share Par
05 Jan 2015 PP 1,281,618,026 7,355,761,773 10.00

Growth Rate (%) 9M/2018  9M/2017  2017  2016 
Loan Growth N/A N/A N/A N/A
Deposit Growth N/A N/A N/A N/A
Net Profit Growth 6.69 7.89 8.43 14.86


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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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