Company Summary
BAY BANK OF AYUDHYA PUBLIC COMPANY LIMITED
Financials/Banking
SET
CG Report:   
 
  Data as of 03 Dec 2021  
Price (B.) 52 Week High/Low P/E (X) P/BV (X) Paid-up (MB.) Market Cap (MB.)
35.00 40.75 / 24.50 8.36 0.83 73,557.62 257,451.66
News
Date/Time Subject
19 Nov 2021 12:43   C.B.1.1 as of October 31, 2021
12 Nov 2021 12:55   Dissemination of the Minutes of the Electronic Extraordinary General Meeting of Shareholders on the Bank's Website
11 Nov 2021 13:17   Submission of the Financial Statements for the nine-month period ended September 30, 2021 (Reviewed)
11 Nov 2021 13:17   Management Discussion and Analysis for the quarter and nine-month period ended September 30, 2021 (Reviewed)
11 Nov 2021 13:16   Financial Performance Quarter 3 (F45) (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 2020
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 11 Mar 2021 11 Jun 2020
% /Shareholders
23.12% 13,450 23.12% 13,873
Foreign Shareholders 25.00% (As of 03/12/2021) Foreign Limit 25.00%
NVDR Shareholders  0.13% (As of 03/12/2021)
5 Yr Price Performance (Adjusted Price)
Price Performance (Adjusted Price) Compare to Stock (%) Compare to Sector (%) Compare to Market (%)
5 Days 2.94 5.46 4.39
20 Days 3.70 6.93 5.25
60 Days 9.38 0.96 13.65
120 Days 6.87 -1.91 8.85
YTD 12.00 -3.31 2.21
P/E (X) 8.36 9.70 19.82
P/BV (X) 0.83 0.69 1.70
Turnover Ratio (%) 0.02 0.27 1.16

Top 10 Major Shareholders(@08 Sep 2021) 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. Miss JUNKO KAWANO DIRECTOR
8. Mr. HISASHI KANAMORI DIRECTOR
9. Miss POTJANEE THANAVARANIT INDEPENDENT DIRECTOR / CHAIRMAN OF THE AUDIT COMMITTEE
10. Mr. VIRAT PHAIRATPHIBOON INDEPENDENT DIRECTOR / AUDIT COMMITTEE
11. Mr. JAMLONG ATIKUL INDEPENDENT DIRECTOR / AUDIT COMMITTEE
12. Mrs. TONGURAI LIMPITI INDEPENDENT DIRECTOR / AUDIT COMMITTEE
Accumulated: Turnover Ratio, Value Trade/Day
Statistics YTD
03 Dec 2021
2020
30 Dec 2020
2019
30 Dec 2019
Listed share (M.) 7,355.76  7,355.76  7,355.76 
Market Cap (MB.) 257,451.66  229,867.56  220,672.85 
Price (B./share) 35.00  31.25  30.00 
BVPS (B./Share) 42.21  38.67  35.68 
P/BV (X) 0.83  0.81  0.84 
P/E (X) 8.36  8.81  6.81 
Turnover Ratio (%) 5.70  3.24  1.06 
Value Trade/Day (MB.) 63.49  28.02  11.62 
Beta 1.59  0.94  0.82 
 
Rate of Return YTD  2020  2019 
Price Change (%) 12.00  4.17  -21.57 
Dividend Yield (%) 1.00  2.72  2.83 
Payout Ratio 0.18  0.13  0.19 
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 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
01 Jul 2018 - 31 Dec 2018 0.45 Baht 23 May 2019 Cash
 
Auditor
(Effective Until 31/12/2021)
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.) 9M/2021 
(01/01/21 
-30/09/21) 
9M/2020 
(01/01/20 
-30/09/20) 
2020 
(01/01/20 
-31/12/20) 
2019 
(01/01/19 
-31/12/19) 
2018 
(01/01/18 
-31/12/18) 
Accounting Type Consolidate Consolidate Consolidate Consolidate Consolidate
Cash 26,780.84 28,088.44 30,333.32 33,830.34 34,679.45
Interbank & Money Mkt. - Net 364,909.89 391,067.72 523,384.55 331,431.38 245,553.37
Investment Net 160,827.90 180,138.30 176,465.14 130,292.30 137,369.01
Net Loans and Accured Int. 1,781,783.42 1,778,339.64 1,765,622.64 1,754,976.03 1,614,984.19
 - Loans & Receivables - - - 1,909,361.54 1,749,254.19
 - Allowance For Expected Credit Loss - - - 67,384.23 61,359.65
Assets Forclosed-Net 3,425.15 2,913.10 3,365.64 3,500.20 3,478.36
PP&E Net 30,404.72 31,125.62 31,196.62 29,029.49 26,238.75
Total Assets 2,489,288.23 2,492,130.37 2,609,373.79 2,359,591.60 2,173,622.38
Deposits 1,782,940.84 1,729,140.90 1,834,505.19 1,566,884.78 1,426,348.22
Debts Issued And Borrowings 125,562.23 157,002.79 146,118.87 175,667.18 155,649.79
Other Liabilities 36,692.88 35,527.10 43,387.50 44,223.30 63,104.14
Total Liabilities 2,178,096.55 2,206,166.67 2,320,194.83 2,087,475.95 1,929,904.10
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) 178,955.67 154,017.23 156,836.45 140,041.48 114,049.82
Shareholders' Equity 310,523.28 284,413.33 287,544.18 270,789.95 242,637.06
Minority Interest 668.39 1,550.37 1,634.78 1,325.70 1,081.23
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Statement of Comprehensive Income (MB.) 9M/2021 
(01/01/21 
-30/09/21) 
9M/2020 
(01/01/20 
-30/09/20) 
2020 
(01/01/20 
-31/12/20) 
2019 
(01/01/19 
-31/12/19) 
2018 
(01/01/18 
-31/12/18) 
Accounting Type Consolidate Consolidate Consolidate Consolidate Consolidate
Interest Income 74,799.35 83,123.23 108,062.35 110,455.44 107,131.78
Interest Expense 16,755.01 20,742.50 26,758.21 34,032.36 31,803.44
Net Interest Income 58,044.34 62,380.72 81,304.14 76,423.08 75,328.34
Fees & Service Income 17,617.41 18,093.81 24,811.85 29,652.17 28,999.35
Fees And Service Expenses 5,301.53 5,426.73 7,247.67 7,875.67 7,751.46
Net Fees And Service Expenses 12,315.88 12,667.08 17,564.19 21,776.50 21,247.88
Dividend Income 345.91 - - - -
Gains (Losses) on Investments 10,914.41 74.86 108.75 9,232.11 374.04
Interest Income (Expense) From Financial Assets And Liabilities Designated At Fair Value 3,033.68 3,365.80 4,112.02 4,349.80 4,736.45
Other Operating Expenses 36,321.35 35,608.71 48,465.00 52,168.71 51,740.61
 - Personnel Expenses 20,113.10 18,635.41 25,296.70 27,648.47 26,286.52
 - Premises & Equip Expenses 5,406.80 5,776.83 7,549.88 7,922.34 8,419.60
(Reversal Of) Expected Credit Losses 23,476.26 26,088.58 36,643.68 28,202.96 26,180.10
Net Income before Tax 34,322.28 24,655.00 28,878.23 41,236.31 31,658.44
Net Profit : Owners Of The Parent 27,409.22 19,655.01 23,039.78 32,748.51 24,812.64
EPS (B.) 3.73 2.67 3.13 4.45 3.37
more
Statement of Cash Flow (MB.) 9M/2021 
(01/01/21 
-30/09/21) 
9M/2020 
(01/01/20 
-30/09/20) 
2020 
(01/01/20 
-31/12/20) 
2019 
(01/01/19 
-31/12/19) 
2018 
(01/01/18 
-31/12/18) 
Accounting Type Consolidate Consolidate Consolidate Consolidate Consolidate
Operating Cash Flow 11,777.35 73,643.18 83,622.11 -37,297.55 35,284.53
Investing Cash Flow 11,300.20 -55,056.78 -51,945.87 23,599.24 -55,121.31
Financing Cash Flow -27,495.02 -21,961.81 -33,674.35 13,449.77 18,568.98
Net Cash Flow -4,417.48 -3,375.41 -1,998.11 -248.54 -1,267.80
more
Annualized: ROE, ROA
Ratios 9M/2021  9M/2020  2020  2019 
ROE (%) 10.35 9.54 8.25 12.76
ROA (%) 2.46 2.60 2.24 3.32
Net Profit Margin (%) 27.43 18.43 16.41 22.31
Net Interest Margin (%) 0.03 0.04 0.04 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 (%) 9M/2021  9M/2020  2020  2019 
Loan Growth 0.19 3.58 0.61 8.67
Deposit Growth 3.11 15.66 17.08 9.85
Net Profit Growth 39.45 -25.30 -29.65 31.98


Trading Sign (Latest)
Trading Alert Posted Date Lifted Date
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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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