Bank of Ayudhya Balans Gezondheid

Financiële gezondheid criteriumcontroles 5/6

Bank of Ayudhya has total assets of THB2,721.1B and total equity of THB388.8B. Total deposits are THB1,899.6B, and total loans are THB1,850.0B.

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Verhouding activa / eigen vermogen

n/a

Nettorentemarge

Totaal deposito's	฿1.90t
Verhouding leningen/deposito's	Passend
Slechte leningen	3.8%
Voorziening voor dubieuze leningen	Voldoende
Huidige ratio	Laag
Geldmiddelen en kasequivalenten	฿70.78b

Recente financiële gezondheidsupdates

Geen updates

Recent updates

Analyse van de financiële positie

Schuld/ eigen vermogen geschiedenis en analyse

Balans

Analyse financiële instellingen

Activa niveau: BAY's Assets to Equity ratio (7x) is low.

Voorziening voor slechte leningen: BAY has a sufficient allowance for bad loans (117%).

Laag risico verplichtingen: 81% of BAY's liabilities are made up of primarily low risk sources of funding.

Leenniveau: BAY has an appropriate level of Loans to Assets ratio (68%).

Laag risico deposito's: BAY's Loans to Deposits ratio (97%) is appropriate.

Niveau van slechte leningen: BAY has a high level of bad loans (3.8%).

Bank of Ayudhya Balans Gezondheid

Financiële gezondheid criteriumcontroles 5/6

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Recente financiële gezondheidsupdates

Recent updates

Third quarter 2024 earnings released: EPS: ฿1.04 (vs ฿1.10 in 3Q 2023)

Investor sentiment improves as stock rises 16%

Second quarter 2024 earnings: EPS and revenues exceed analyst expectations

First half dividend of ฿0.40 announced

Bank of Ayudhya Public Company Limited Announces Interim Cash Dividend for the Six-Month Period Ended June 30, 2024, Payable on September 26, 2024

Price target decreased by 12% to ฿26.00

Second quarter 2024 earnings: EPS and revenues exceed analyst expectations

New major risk - Revenue and earnings growth

Upcoming dividend of ฿0.45 per share

Bank of Ayudhya Public Company Limited Approves Dividend for the Six Months Ended December 31, 2023, Payable on May 23, 2024

First quarter 2024 earnings: EPS and revenues miss analyst expectations

Full year 2023 earnings: EPS in line with analyst expectations despite revenue beat

Bank of Ayudhya Public Company Limited Proposes Dividend for the Six-Month Period Ended December 31, 2023, Payable on May 23, 2024

Final dividend of ฿0.45 announced

New major risk - Revenue and earnings growth

Full year 2023 earnings: EPS in line with analyst expectations despite revenue beat

Price target decreased by 12% to ฿33.00

Third quarter 2023 earnings: EPS in line with analyst expectations despite revenue beat

Upcoming dividend of ฿0.40 per share at 2.5% yield

Second quarter 2023 earnings: EPS in line with analyst expectations despite revenue beat

Bank of Ayudhya Public Company Limited Announces Interim Cash Dividend for the Six-Month Period Ended June 30, 2023, Payable on September 21, 2023

Second quarter 2023 earnings: EPS in line with analyst expectations despite revenue beat

Bank of Ayudhya Public Company Limited (SET:BAY) completed the acquisition of 50% of stake in SHBank Finance Company Limited from Saigon - Hanoi Commercial Joint Stock Bank (HNX:SHB).

Upcoming dividend of ฿0.45 per share at 2.9% yield

First quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behind

Bank of Ayudhya Public Company Limited (SET:BAY) entered into an agreement to acquire Consumer Finance Business of Home Credit in Indonesia from PT. Home Credit Indonesia for € 209 million.

Third quarter 2022 earnings: EPS and revenues exceed analyst expectations

Less than half of directors are independent

Third quarter 2022 earnings: EPS and revenues exceed analyst expectations

Upcoming dividend of ฿0.40 per share

Bank of Ayudhya Public Company Limited Announces Interim Cash Dividend for the Six-Month Period Ended June 30, 2022, Payable on September 22, 2022

Second quarter 2022 earnings: Revenues in line with analyst expectations

Bank of Ayudhya Public Company Limited Announces Board Changes

Bank of Ayudhya Public Company Limited (SET : BAY) entered into sale and purchase agreement to acquire 99.1% in Capital Nomura Securities Public Company Limited from Nomura Asia Investment (Singapore) Pte. Ltd. for THB 5.5 billion.

Bank of Ayudhya Public Company Limited (SET : BAY) entered into sale and purchase agreement to acquire 99.1% in Capital Nomura Securities Public Company Limited from Nomura Asia Investment (Singapore) Pte. Ltd. for THB 5.5 billion.

First quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behind

Upcoming dividend of ฿0.45 per share

Less than half of directors are independent

First quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behind

Full year 2021 earnings: Revenues exceed analysts expectations while EPS lags behind

Bank of Ayudhya Public Company Limited, Annual General Meeting, Apr 28, 2022

Bank of Ayudhya Public Company Limited Proposes Dividend for the Six Months Period Ended December 31, 2021, Payable on May 26, 2022

Full year 2021 earnings: Revenues exceed analysts expectations while EPS lags behind

Consensus forecasts updated

Third quarter 2021 earnings released: EPS ฿0.86 (vs ฿0.83 in 3Q 2020)

Upcoming dividend of ฿0.40 per share

Second quarter 2021 earnings released: EPS ฿1.98 (vs ฿0.89 in 2Q 2020)

Second quarter 2021 earnings released: EPS ฿1.98 (vs ฿0.89 in 2Q 2020)

Price target increased to ฿34.67

First quarter 2021 earnings released: EPS ฿0.88 (vs ฿0.96 in 1Q 2020)

Investor sentiment deteriorated over the past week

Upcoming dividend of ฿0.35 per share

Consensus forecasts updated

First quarter 2021 earnings released: EPS ฿0.88 (vs ฿0.96 in 1Q 2020)

New 90-day high: ฿35.75

Investor sentiment improved over the past week

Full year 2020 earnings released: EPS ฿3.13 (vs ฿4.45 in FY 2019)

Revenue and earnings miss expectations

Full year 2020 earnings released: EPS ฿3.13

Revenue and earnings miss expectations

New 90-day high: ฿35.00

Price target raised to ฿26.76

Investor sentiment improved over the past week

New 90-day high: ฿33.25

New 90-day high: ฿26.50

Third quarter 2020 earnings released: EPS ฿0.83

Revenue and earnings beat expectations

New 90-day high: ฿22.40

Market bids up stock over the past week

Third quarter earnings released

Third-quarter earnings released: Earnings beat expectations

Bank of Ayudhya Public Company Limited (SET:BAY) completed the acquisition of 50% stake in SB Finance Company, Inc. from Security Bank Corporation (PSE:SECB).

New 90-day low: ฿18.80

Bank of Ayudhya Public Company Limited (SET:BAY) agreed to acquire 50% stake in SB Finance Company, Inc. from Security Bank Corporation (PSE:SECB) for approximately PHP 1.8 billion.

New 90-day low: ฿19.50