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	Dec 31, 2024	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	156,538	156,538	139,251	105,428	99,804	108,062
Interest Income on Investments	515.57	515.57	425.13	449.74	366.33	272.95
Total Interest Income	157,054	157,054	139,676	105,878	100,170	108,335
Interest Paid on Deposits	48,644	48,644	39,861	21,650	21,824	26,758
Net Interest Income	108,409	108,409	99,815	84,228	78,346	81,577
Net Interest Income Growth (YoY)	8.61%	8.61%	18.51%	7.51%	-3.96%	6.45%
Gain (Loss) on Sale of Assets	-	-	1,616	677.17	-209.01	-89.79
Gain (Loss) on Sale of Investments	-	-	-	-40.04	10,925	108.75
Gain (Loss) on Sale of Equity Investments	1,529	1,529	1,583	1,557	1,930	1,523
Other Non-Interest Income	34,487	34,487	28,092	22,943	25,118	24,025
Total Non-Interest Income	36,016	36,016	31,291	25,137	37,764	25,568
Non-Interest Income Growth (YoY)	15.10%	15.10%	24.48%	-33.44%	47.70%	-33.57%
Revenues Before Loan Losses	144,425	144,425	131,106	109,365	116,111	107,145
Provision for Loan Losses	36,928	36,928	28,089	19,924	25,018	29,891
Revenue	107,497	107,497	103,017	89,441	91,093	77,253
Revenue Growth (YoY)	4.35%	4.35%	15.18%	-1.81%	17.91%	-17.29%
Salaries and Employee Benefits	35,325	35,325	32,152	27,143	26,717	25,297
Occupancy Expenses	9,001	9,001	8,251	7,398	7,194	7,550
Selling, General & Administrative	83.38	83.38	74.99	69.62	64.6	64.64
Other Non-Interest Expense	23,722	23,722	20,342	16,103	14,769	15,464
Total Non-Interest Expense	68,131	68,131	60,820	50,713	48,745	48,375
EBT Excluding Unusual Items	39,366	39,366	42,197	38,728	42,348	28,878
Pretax Income	39,366	39,366	41,496	38,728	42,348	28,878
Income Tax Expense	8,962	8,962	8,364	7,839	8,293	5,538
Earnings From Continuing Operations	30,404	30,404	33,132	30,890	34,054	23,340
Minority Interest in Earnings	-704.18	-704.18	-202.83	-176.71	-260.3	-300.47
Net Income	29,700	29,700	32,930	30,713	33,794	23,040
Net Income to Common	29,700	29,700	32,930	30,713	33,794	23,040
Net Income Growth	-9.81%	-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)	4.04	4.04	4.48	4.18	4.59	3.13
EPS (Diluted)	4.04	4.04	4.48	4.18	4.59	3.13
EPS Growth	-9.81%	-9.81%	7.22%	-9.12%	46.68%	-29.65%
Dividend Per Share	-	-	0.850	0.850	0.850	0.350
Dividend Growth	-	-	0%	0%	142.86%	-58.82%
Effective Tax Rate	22.77%	22.77%	20.16%	20.24%	19.58%	19.18%

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