Bank of Ayudhya Public Company Limited

Bank of Ayudhya Public Company Limited

BKAYY
Bank of Ayudhya Public Company LimitedUS flagOther OTC
22.17
USD
-3.83
- -
163.04BMarket 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
211.67
235.83
229.69
249.2
274.12
298.85
305.04
298.32
293.47
305.15
374.95
411.54
421.16
421.14
Basic EPS, GAAP
39.07
46.66
50.76
58.2
63.11
67.46
89.04
62.64
91.88
83.51
89.53
80.75
86.3
86.3
Free Cash Flow per Basic Share
-48.02
50.79
119.25
-26.94
-58.4
88.65
-105.47
215.13
117.99
-11.93
65.16
43.3
198.31
198.31
Dividend per Share
16
16
16.81
16.22
17.22
17.31
17.37
9
15
17.16
17.15
17.16
18.58
18.58
Book Value per Share
325.5
352.95
359.35
399.32
445.22
494.08
562.09
606.64
687.25
755.54
827.44
890.63
960.28
960.28
Tangible Book Value per Share
351.3
385.52
480.19
522.23
568.89
617.41
693.91
739.96
818.99
883.9
924.21
988.69
1,090.77
1,090.77
Basic Weighted Avg Shares
304
304
367
368
368
368
368
368
368
368
368
368
368
368
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
154,891
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
7,015
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
31,738
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
18.75
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
20.49
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
325,388
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
440,091
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
9.32

Capital Structure

FRC

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
258,840
333,032
325,388
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7,356
7,356
7,356
Market Capitalization
311,076
310,470
301,656

Working Capital

FRC

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
375,361
130,635
368,883
Accounts Receivable, Net
13,059
14,857
14,564
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
45,375
5,180
54,155
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
2023
29,877
32,033
34,776
41,208
137,903
2024
38,041
39,120
37,853
36,347
151,361
2025
36,220
37,224
42,307
39,140
154,898

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
23.59
22.91
22.01
- -
89.53
2024
20.51
22.32
20.86
- -
80.75
2025
20.48
22.55
23.88
- -
86.3

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
9.15
8
- -
17.15
2024
0.02
9.14
8
- -
17.16
2025
- -
9.15
8
- -
18.58

Company Description

APIChatGPT
CEO
Kenichi Yamato
Full Time Employees
13,952
Sector
Financial Services
Industry
Banks - Regional
Address
1222 Rama III Road Bangkok BM Thailand 10120
IPO Date
Jun 27, 2014
Business
Bank of Ayudhya Public Company Limited (Krungsri) provides commercial banking products and services to individuals, corporates, small- and medium-sized enterprises, and financial institutions through its retail, commercial, and other segments; core offerings include current and savings accounts, fixed deposits, bills of exchange, housing loans, credit cards, personal loans, sales finance loans, hire-purchase and leasing, wealth management, bancassurance, short-term working capital facilities, cash management, trade finance, transactional banking, advisory services, treasury and money market products, mutual funds, private fund management, factoring, microfinance, real estate leasing, asset management, securities brokerage, and non-performing asset management. The bank operates 565 domestic branches including 525 banking branches and 40 auto business branches, over 5,600 ATMs, numerous specialized centers for exclusive, advisory, private banking, and business clients, plus extensive agent networks across Thailand; it maintains a representative office in Myanmar and conducts select international activities. Founded in 1945 and headquartered in Bangkok, Thailand, Krungsri ranks as the fifth largest bank by assets, loans, and deposits, serving as one of Thailand's six Domestic Systemically Important Banks and a subsidiary of MUFG Bank, Ltd., with key subsidiaries encompassing Ayudhya Capital Auto Lease PCL., Ngern Tid Lor PCL., Hattha Bank Plc., Krungsri Securities PCL., Krungsri Asset Management Co., Ltd., and consumer finance ventures like SB Finance in the Philippines, SHB Finance in Vietnam, and Home Credit entities in the Philippines and Indonesia. Recent developments include acquiring an additional 16.33% stake in Tidlor Holdings PCL in August 2025 to reach 46.51% ownership and bolster underserved market capabilities; accelerating the purchase of the remaining 50% in SHB Finance toward mid-2025 completion; advising on Thailand's largest 2024 renewable energy M&A deal alongside MUFG involving a 139.4-megawatt solar portfolio sale; and advancing ASEAN expansion through Hattha Bank growth, Home Credit integrations, and partnerships like ASEAN Privilege for cross-border customer benefits.