Bank of Ayudhya PCL (BKK:BAY)

Bank of Ayudhya PCL Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	21,421	25,949	28,701	28,170	29,810	29,371
Investment Securities	571,291	623,940	634,349	657,034	623,312	544,517
Trading Asset Securities	65,968	28,028	30,373	30,196	30,381	25,196
Total Investments	637,259	651,969	664,722	687,230	653,693	569,713
Gross Loans	1,851,314	2,005,201	1,978,980	2,111,064	2,036,850	1,974,283
Allowance for Loan Losses	-	-91,711	-88,853	-89,070	-87,851	-84,360
Other Adjustments to Gross Loans	-	-75,757	-82,485	-93,282	-87,441	-83,907
Net Loans	1,851,314	1,837,733	1,807,642	1,928,712	1,861,558	1,806,016
Property, Plant & Equipment	36,308	36,699	36,462	36,328	31,004	30,821
Goodwill	-	25,123	22,500	24,702	12,687	12,596
Other Intangible Assets	33,613	13,794	9,679	6,838	3,985	4,426
Accrued Interest Receivable	-	16,756	14,809	16,339	13,890	12,821
Other Receivables	-	14,366	14,624	18,786	9,950	9,687
Other Current Assets	6,387	10,466	7,251	5,913	7,242	11,963
Long-Term Deferred Tax Assets	7,814	5,439	5,439	6,086	4,249	4,510
Other Real Estate Owned & Foreclosed	-	5,298	4,886	5,075	4,842	2,911
Other Long-Term Assets	30,171	3,565	3,360	4,117	4,041	4,273
Total Assets	2,624,287	2,647,157	2,620,074	2,768,295	2,636,951	2,499,109

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	-	18,861	19,870	20,849	13,614	11,190
Interest Bearing Deposits	1,705,948	1,684,953	1,772,300	1,795,163	1,758,456	1,733,920
Non-Interest Bearing Deposits	-	55,846	56,118	50,424	50,344	49,339
Total Deposits	1,705,948	1,740,799	1,828,418	1,845,587	1,808,800	1,783,259
Short-Term Borrowings	27,585	26,266	26,584	32,839	37,340	21,672
Current Portion of Long-Term Debt	-	36,659	14,098	13,224	17,353	33,663
Current Portion of Leases	-	1,573	1,045	1,124	786	1,136
Current Income Taxes Payable	-	7,129	6,802	6,540	5,533	4,651
Other Current Liabilities	4,707	160,624	134,483	278,587	258,661	183,916
Long-Term Debt	103,590	81,990	86,222	90,993	80,846	85,314
Long-Term Leases	-	1,958	1,952	2,338	1,222	1,666
Long-Term Unearned Revenue	-	2,883	2,883	2,901	2,978	3,057
Pension & Post-Retirement Benefits	-	8,970	9,209	8,521	7,612	8,317
Long-Term Deferred Tax Liabilities	-	120	1,557	1,304	1,050	1,126
Other Long-Term Liabilities	329,778	119,233	91,142	92,035	59,397	41,906
Total Liabilities	2,171,607	2,207,066	2,224,266	2,396,841	2,295,192	2,180,872

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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	302,044	287,198	261,579	238,338	211,896	186,780
Comprehensive Income & Other	-1,588	1,128	3,992	3,679	2,587	4,300
Total Common Equity	426,892	414,762	392,007	368,454	340,919	317,516
Minority Interest	25,788	25,329	3,801	3,000	840.14	720.78
Shareholders' Equity	452,681	440,091	395,809	371,454	341,759	318,237
Total Liabilities & Equity	2,624,287	2,647,157	2,620,074	2,768,295	2,636,951	2,499,109

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	131,175	148,446	129,901	140,518	137,547	143,451
Net Cash (Debt)	-43,785	-94,468	-70,828	-82,152	-77,357	-88,884
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-5.95	-12.84	-9.63	-11.17	-10.52	-12.08
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	58.04	56.39	53.29	50.09	46.35	43.17
Tangible Book Value	393,279	375,845	359,828	336,914	324,247	300,494
Tangible Book Value Per Share	53.47	51.10	48.92	45.80	44.08	40.85

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 1, 2026

Data Sources Report a data error