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    Banks - Regional
Bank of Ayudhya Public Company Limited

Bank of Ayudhya Public Company Limited

BKAHF
Bank of Ayudhya Public Company LimitedUS flagOther OTC
0.70
USD
-NaN
- -
5.15BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
10.58
11.79
11.48
12.46
13.71
14.94
15.25
14.92
14.67
15.26
18.75
20.58
21.06
21.83
Basic EPS, GAAP
1.95
2.33
2.54
2.91
3.16
3.37
4.45
3.13
4.59
4.18
4.48
4.04
4.31
4.46
Free Cash Flow per Basic Share
-2.4
2.54
5.96
-1.35
-2.92
4.43
-5.27
10.76
5.9
-0.6
3.26
2.17
9.92
9.3
Dividend per Share
0.8
0.8
0.84
0.81
0.86
0.87
0.87
0.45
0.75
0.86
0.86
0.86
0.93
0.93
Book Value per Share
16.28
17.65
17.97
19.97
22.26
24.7
28.1
30.33
34.36
37.78
41.37
44.53
48.01
49.2
Tangible Book Value per Share
17.56
19.28
24.01
26.11
28.44
30.87
34.7
37
40.95
44.19
46.21
49.43
54.54
55.87
Basic Weighted Avg Shares
6,074
6,074
7,342
7,356
7,356
7,356
7,356
7,356
7,356
7,356
7,356
7,356
7,356
7,356
Sales/Revenue/Turnover
64,284
71,622
84,317
91,651
100,819
109,913
112,191
109,717
107,933
112,231
137,903
151,361
154,898
160,603
Operating Margin (%)
23.92
25.63
28.04
29.56
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2,985
3,324
3,352
3,657
3,887
3,945
4,008
5,049
4,761
4,569
4,916
6,345
7,015
7,291
Net Income, GAAP
11,864
14,170
18,634
21,404
23,209
24,813
32,749
23,040
33,794
30,713
32,930
29,700
31,738
32,823
Effective Tax Rate (%)
24.75
21.96
20.25
19.96
19.59
20.43
19.65
19.18
19.58
20.24
20.16
22.77
18.75
17.9
Profit Margin (%)
18.46
19.78
22.1
23.35
23.02
22.57
29.19
21
31.31
27.37
23.88
19.62
20.49
20.44
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
220,705
191,093
378,510
471,220
421,421
399,747
427,788
378,756
302,985
372,565
401,560
257,667
325,388
335,577
Total Equity
121,553
131,670
190,748
208,768
225,987
243,718
272,116
289,179
318,237
341,759
371,454
395,809
440,091
449,797
Return on Invested Capital (%)
3.47
4.25
4.19
3.45
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
12.45
13.75
15.59
15.36
14.94
14.36
16.86
10.72
14.2
11.58
11.31
9.4
9.32
9.42

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
333,032
325,388
335,577
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7,356
7,356
7,356
Market Capitalization
167,176
162,430
168,159

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
130,635
368,883
151,878
Accounts Receivable, Net
14,857
14,564
14,346
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
5,180
54,155
4,361
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.73%
8.78%
11.19%
Free Cash Flow
-125.78%
-95.46%
357.95%
Net Income, GAAP
7.44%
8.37%
6.86%
Sales/Revenue/Turnover
6.49%
7.46%
2.34%
Total Cash Common Dividend
4.48%
17.87%
8.26%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
38,041
39,120
37,853
36,347
151,361
2025
36,220
37,224
42,307
39,140
154,898
2026
41,932
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.03
1.12
1.04
- -
4.04
2025
1.02
1.13
1.19
- -
4.31
2026
1.17
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.46
0.4
- -
0.86
2025
- -
0.46
0.4
- -
0.93
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Kenichi Yamato
Full Time Employees
13,952
Sector
Financial Services
Industry
Banks - Regional
Address
1222 Rama III Road Bangkok Thailand 10120
IPO Date
Jan 5, 2010
Website
krungsri.com
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Business
Bank of Ayudhya Public Company Limited (Krungsri), ticker BAY on the Stock Exchange of Thailand, operates as the fifth largest bank in Thailand by loans and deposits, providing a comprehensive range of financial services to retail, small and medium-sized enterprise, and corporate customers; core offerings include consumer deposits and loans, credit cards via Krungsriayudhya Card Co., Ltd., auto financing through Ayudhya Capital Auto Lease PCL. and Krungsri Leasing Services Co., Ltd., personal loans and sales finance from Ayudhya Capital Services Co., Ltd. and Lotus’s Money Services Ltd., microfinance via Ngern Tid Lor Public Company Limited and Krungsri Non-Deposit Taking Microfinance Institution Co., Ltd., securities brokerage and investment banking through Krungsri Securities PCL. and Krungsri Capital Securities PCL., asset management by Krungsri Asset Management Co., Ltd., leasing services from Ayudhya Development Leasing Co., Ltd., insurance brokerage including life and non-life products via Krungsri Genesis Company Limited and Krungsri General Insurance Broker Ltd., and digital banking platforms such as Krungsri Business Link; the bank maintains an extensive distribution network with over 565 domestic branches, 5,605 ATMs, 1,430 microfinance branches, and more than 161,010 banking agents, alongside overseas presence including a representative office in Myanmar, Hattha Bank Plc. in Cambodia, and consumer finance operations in the Philippines, Vietnam, and Indonesia. Founded in 1945 and headquartered at 1222 Rama III Road, Bangpongpang, Yannawa, Bangkok, Thailand, Krungsri functions as a subsidiary of MUFG Bank, Ltd., which holds a 76.88% stake, enabling strategic alignment with the Mitsubishi UFJ Financial Group for regional expansion. Recent developments encompass the 2024 acceleration of the "GO ASEAN with Krungsri" strategy to bolster ASEAN growth, ongoing pursuit of full acquisition of SHB Finance in Vietnam following the 2023 purchase of 50% charter capital, strengthened corporate client support through advanced financial solutions announced in May 2025, and awards including two wins at the Asian Banking & Finance Wholesale Banking Awards in August 2025; earlier key moves include the March 2023 acquisition and rebranding of Capital Nomura Securities PCL. to Krungsri Capital Securities PCL., June 2023 takeover of Home Credit entities in the Philippines, and October 2023 acquisition of Home Credit Indonesia.