Bank of Ayudhya PCL (BKK:BAY)

Bank of Ayudhya PCL Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	147,383	156,538	139,251	105,428	99,804
Interest Income on Investments	576.2	515.57	425.13	449.74	366.33
Total Interest Income	147,959	157,054	139,676	105,878	100,170
Interest Paid on Deposits	38,850	48,644	39,861	21,650	21,824
Net Interest Income	109,110	108,409	99,815	84,228	78,346
Net Interest Income Growth (YoY)	0.65%	8.61%	18.51%	7.51%	-3.96%
Gain (Loss) on Sale of Assets	-	1,014	1,616	677.17	-209.01
Gain (Loss) on Sale of Investments	2,936	-	-	-40.04	10,925
Gain (Loss) on Sale of Equity Investments	1,290	1,529	1,583	1,557	1,930
Other Non-Interest Income	37,637	33,126	28,092	22,943	25,118
Total Non-Interest Income	41,863	35,669	31,291	25,137	37,764
Non-Interest Income Growth (YoY)	17.37%	13.99%	24.48%	-33.44%	47.70%
Revenues Before Loan Losses	150,973	144,078	131,106	109,365	116,111
Provision for Loan Losses	34,443	36,928	28,089	19,924	25,018
Revenue	116,530	107,150	103,017	89,441	91,093
Revenue Growth (YoY)	8.75%	4.01%	15.18%	-1.81%	17.91%
Salaries and Employee Benefits	39,204	35,325	32,152	27,143	26,717
Occupancy Expenses	8,990	9,001	8,251	7,398	7,194
Selling, General & Administrative	84.66	83.38	74.99	69.62	64.6
Other Non-Interest Expense	27,092	23,288	20,379	16,103	14,769
Total Non-Interest Expense	75,370	67,697	60,857	50,713	48,745
EBT Excluding Unusual Items	41,160	39,453	42,160	38,728	42,348
Pretax Income	41,160	39,366	41,496	38,728	42,348
Income Tax Expense	7,718	8,962	8,364	7,839	8,293
Earnings From Continuing Operations	33,443	30,404	33,132	30,890	34,054
Minority Interest in Earnings	-1,704	-704.18	-202.83	-176.71	-260.3
Net Income	31,738	29,700	32,930	30,713	33,794
Net Income to Common	31,738	29,700	32,930	30,713	33,794
Net Income Growth	6.86%	-9.81%	7.22%	-9.12%	46.68%
Basic Shares Outstanding	7,356	7,356	7,356	7,356	7,356
Diluted Shares Outstanding	7,356	7,356	7,356	7,356	7,356
EPS (Basic)	4.31	4.04	4.48	4.18	4.59
EPS (Diluted)	4.31	4.04	4.48	4.18	4.59
EPS Growth	6.86%	-9.81%	7.22%	-9.12%	46.68%
Dividend Per Share	-	0.850	0.850	0.850	0.850
Dividend Growth	-	-	-	-	142.86%
Effective Tax Rate	18.75%	22.77%	20.16%	20.24%	19.58%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.