Bank of Ayudhya PCL (BKK:BAY)

Bank of Ayudhya PCL Income Statement

Financials in millions THB. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	145,786	156,538	139,251	105,428	99,804	108,062
Interest Income on Investments	570.11	515.57	425.13	449.74	366.33	272.95
Total Interest Income	146,356	157,054	139,676	105,878	100,170	108,335
Interest Paid on Deposits	41,656	48,644	39,861	21,650	21,824	26,758
Net Interest Income	104,700	108,409	99,815	84,228	78,346	81,577
Net Interest Income Growth (YoY)	-6.79%	8.61%	18.51%	7.51%	-3.96%	6.45%
Gain (Loss) on Sale of Assets	1,014	1,014	1,616	677.17	-209.01	-89.79
Gain (Loss) on Sale of Investments	2,936	-	-	-40.04	10,925	108.75
Gain (Loss) on Sale of Equity Investments	1,517	1,529	1,583	1,557	1,930	1,523
Other Non-Interest Income	34,923	33,126	28,092	22,943	25,118	24,025
Total Non-Interest Income	40,390	35,669	31,291	25,137	37,764	25,568
Non-Interest Income Growth (YoY)	10.15%	13.99%	24.48%	-33.44%	47.70%	-33.57%
Revenues Before Loan Losses	145,090	144,078	131,106	109,365	116,111	107,145
Provision for Loan Losses	32,512	36,928	28,089	19,924	25,018	29,891
Revenue	112,578	107,150	103,017	89,441	91,093	77,253
Revenue Growth (YoY)	3.17%	4.01%	15.18%	-1.81%	17.91%	-17.29%
Salaries and Employee Benefits	36,804	35,325	32,152	27,143	26,717	25,297
Occupancy Expenses	8,807	9,001	8,251	7,398	7,194	7,550
Selling, General & Administrative	83.44	83.38	74.99	69.62	64.6	64.64
Other Non-Interest Expense	25,798	23,288	20,379	16,103	14,769	15,464
Total Non-Interest Expense	71,494	67,697	60,857	50,713	48,745	48,375
EBT Excluding Unusual Items	41,084	39,453	42,160	38,728	42,348	28,878
Pretax Income	40,997	39,366	41,496	38,728	42,348	28,878
Income Tax Expense	8,690	8,962	8,364	7,839	8,293	5,538
Earnings From Continuing Operations	32,307	30,404	33,132	30,890	34,054	23,340
Minority Interest in Earnings	-1,419	-704.18	-202.83	-176.71	-260.3	-300.47
Net Income	30,888	29,700	32,930	30,713	33,794	23,040
Net Income to Common	30,888	29,700	32,930	30,713	33,794	23,040
Net Income Growth	-0.86%	-9.81%	7.22%	-9.12%	46.68%	-29.65%
Basic Shares Outstanding	7,356	7,356	7,356	7,356	7,356	7,356
Diluted Shares Outstanding	7,356	7,356	7,356	7,356	7,356	7,356
EPS (Basic)	4.20	4.04	4.48	4.18	4.59	3.13
EPS (Diluted)	4.20	4.04	4.48	4.18	4.59	3.13
EPS Growth	-0.86%	-9.81%	7.22%	-9.12%	46.68%	-29.65%
Dividend Per Share	0.450	0.850	0.850	0.850	0.850	0.350
Dividend Growth	-64.00%	-	-	-	142.86%	-58.82%
Effective Tax Rate	21.20%	22.77%	20.16%	20.24%	19.58%	19.18%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.