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 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	160,936	139,251	105,428	99,804	108,062	110,455
Interest Income on Investments	515.52	425.13	449.74	366.33	272.95	210.42
Total Interest Income	161,451	139,676	105,878	100,170	108,335	110,666
Interest Paid on Deposits	49,120	39,861	21,650	21,824	26,758	34,032
Net Interest Income	112,331	99,815	84,228	78,346	81,577	76,633
Net Interest Income Growth (YoY)	21.00%	18.51%	7.51%	-3.96%	6.45%	1.46%
Gain (Loss) on Sale of Assets	1,616	1,616	677.17	-209.01	-89.79	-5.09
Gain (Loss) on Sale of Investments	-	-	-40.04	10,925	108.75	9,232
Gain (Loss) on Sale of Equity Investments	1,564	1,583	1,557	1,930	1,523	1,409
Other Non-Interest Income	33,520	28,092	22,943	25,118	24,025	27,850
Total Non-Interest Income	36,700	31,291	25,137	37,764	25,568	38,486
Non-Interest Income Growth (YoY)	36.79%	24.48%	-33.44%	47.70%	-33.57%	37.18%
Revenues Before Loan Losses	149,032	131,106	109,365	116,111	107,145	115,119
Provision for Loan Losses	39,883	28,089	19,924	25,018	29,891	21,719
Revenue	109,149	103,017	89,441	91,093	77,253	93,400
Revenue Growth (YoY)	12.06%	15.18%	-1.81%	17.91%	-17.29%	11.99%
Salaries and Employee Benefits	36,700	32,152	27,143	26,717	25,297	27,648
Occupancy Expenses	8,997	8,251	7,398	7,194	7,550	7,922
Selling, General & Administrative	81.37	74.99	69.62	64.6	64.64	59.17
Other Non-Interest Expense	22,849	20,342	16,103	14,769	15,464	16,534
Total Non-Interest Expense	68,627	60,820	50,713	48,745	48,375	52,164
EBT Excluding Unusual Items	40,522	42,197	38,728	42,348	28,878	41,236
Pretax Income	39,821	41,496	38,728	42,348	28,878	41,236
Income Tax Expense	8,077	8,364	7,839	8,293	5,538	8,105
Earnings From Continuing Operations	31,744	33,132	30,890	34,054	23,340	33,132
Minority Interest in Earnings	-588.29	-202.83	-176.71	-260.3	-300.47	-383
Net Income	31,156	32,930	30,713	33,794	23,040	32,749
Net Income to Common	31,156	32,930	30,713	33,794	23,040	32,749
Net Income Growth	-4.40%	7.22%	-9.12%	46.68%	-29.65%	31.98%
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
Shares Change (YoY)	0.00%	-	-	-	-	-
EPS (Basic)	4.24	4.48	4.18	4.59	3.13	4.45
EPS (Diluted)	4.24	4.48	4.18	4.59	3.13	4.45
EPS Growth	-4.40%	7.22%	-9.12%	46.68%	-29.65%	31.98%
Dividend Per Share	0.450	0.850	0.850	0.850	0.350	0.850
Dividend Growth	-64.00%	0%	0%	142.86%	-58.82%	0%
Effective Tax Rate	20.28%	20.16%	20.24%	19.58%	19.18%	19.65%

Source: S&P Capital IQ. Banks template. Financial Sources.