Bank of Ayudhya PCL (BKK:BAY)

Bank of Ayudhya PCL Balance Sheet

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
Cash & Equivalents	23,645	28,701	28,170	29,810	29,371	30,333
Investment Securities	549,449	634,349	657,034	623,312	544,517	699,872
Trading Asset Securities	32,633	30,373	30,196	30,381	25,196	31,209
Total Investments	582,081	664,722	687,230	653,693	569,713	731,081
Gross Loans	1,869,372	1,978,980	2,111,064	2,036,850	1,974,283	1,917,676
Allowance for Loan Losses	-	-88,853	-89,070	-87,851	-84,360	-76,407
Other Adjustments to Gross Loans	-	-82,485	-93,282	-87,441	-83,907	-84,741
Net Loans	1,869,372	1,807,642	1,928,712	1,861,558	1,806,016	1,756,528
Property, Plant & Equipment	36,830	36,462	36,328	31,004	30,821	31,197
Goodwill	-	22,500	24,702	12,687	12,596	12,326
Other Intangible Assets	36,654	9,679	6,838	3,985	4,426	4,705
Accrued Interest Receivable	-	14,809	16,339	13,890	12,821	11,545
Other Receivables	-	14,624	18,786	9,950	9,687	9,326
Other Current Assets	6,311	7,251	5,913	7,242	11,963	10,369
Long-Term Deferred Tax Assets	6,369	5,439	6,086	4,249	4,510	4,890
Other Real Estate Owned & Foreclosed	-	4,886	5,075	4,842	2,911	3,025
Other Long-Term Assets	28,257	3,360	4,117	4,041	4,273	4,049
Total Assets	2,589,518	2,620,074	2,768,295	2,636,951	2,499,109	2,609,374
Accrued Expenses	-	19,870	20,849	13,614	11,190	12,221
Interest Bearing Deposits	1,717,627	1,772,300	1,795,163	1,758,456	1,733,920	1,795,997
Non-Interest Bearing Deposits	-	56,118	50,424	50,344	49,339	41,711
Total Deposits	1,717,627	1,828,418	1,845,587	1,808,800	1,783,259	1,837,708
Short-Term Borrowings	20,839	26,584	32,839	37,340	21,672	32,942
Current Portion of Long-Term Debt	-	14,098	13,224	17,353	33,663	44,947
Current Portion of Leases	-	1,013	1,124	786	1,136	1,040
Current Income Taxes Payable	-	6,802	6,540	5,533	4,651	4,710
Other Current Liabilities	5,180	134,483	278,587	258,661	183,916	219,722
Long-Term Debt	120,641	86,222	90,993	80,846	85,314	101,172
Long-Term Leases	-	1,919	2,338	1,222	1,666	2,062
Long-Term Unearned Revenue	-	2,883	2,901	2,978	3,057	3,118
Pension & Post-Retirement Benefits	-	9,209	8,521	7,612	8,317	9,167
Long-Term Deferred Tax Liabilities	257.82	1,557	1,304	1,050	1,126	686.39
Other Long-Term Liabilities	293,274	91,207	92,035	59,397	41,906	50,700
Total Liabilities	2,157,819	2,224,266	2,396,841	2,295,192	2,180,872	2,320,195
Common Stock	73,558	73,558	73,558	73,558	73,558	73,558
Additional Paid-In Capital	52,879	52,879	52,879	52,879	52,879	52,879
Retained Earnings	279,983	261,579	238,338	211,896	186,780	156,836
Comprehensive Income & Other	2,213	3,992	3,679	2,587	4,300	4,271
Total Common Equity	408,632	392,007	368,454	340,919	317,516	287,544
Minority Interest	23,067	3,801	3,000	840.14	720.78	1,635
Shareholders' Equity	431,699	395,809	371,454	341,759	318,237	289,179
Total Liabilities & Equity	2,589,518	2,620,074	2,768,295	2,636,951	2,499,109	2,609,374
Total Debt	141,480	129,836	140,518	137,547	143,451	182,162
Net Cash (Debt)	-85,202	-70,763	-82,152	-77,357	-88,884	-120,620
Net Cash Per Share	-11.58	-9.62	-11.17	-10.52	-12.08	-16.40
Filing Date Shares Outstanding	7,356	7,356	7,356	7,356	7,356	7,356
Total Common Shares Outstanding	7,356	7,356	7,356	7,356	7,356	7,356
Book Value Per Share	55.55	53.29	50.09	46.35	43.17	39.09
Tangible Book Value	371,978	359,828	336,914	324,247	300,494	270,513
Tangible Book Value Per Share	50.57	48.92	45.80	44.08	40.85	36.78

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