Bank of Ayudhya PCL - Asset Resilience Ratio
Bank of Ayudhya PCL (BAY) has an Asset Resilience Ratio of 4.13% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read Bank of Ayudhya PCL balance sheet liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2024)
This chart shows how Bank of Ayudhya PCL's Asset Resilience Ratio has changed over time. See BAY total equity for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Bank of Ayudhya PCL's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Bank of Ayudhya PCL (BAY) market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | ฿0.00 | 0% |
| Short-term Investments | ฿106.99 Billion | 4.13% |
| Total Liquid Assets | ฿106.99 Billion | 4.13% |
Asset Resilience Insights
- Limited Liquidity: Bank of Ayudhya PCL maintains only 4.13% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Bank of Ayudhya PCL Industry Peers by Asset Resilience Ratio
Compare Bank of Ayudhya PCL's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for Bank of Ayudhya PCL (2000–2024)
The table below shows the annual Asset Resilience Ratio data for Bank of Ayudhya PCL.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 4.32% | ฿113.10 Billion ≈ $3.53 Billion |
฿2.62 Trillion ≈ $81.67 Billion |
-0.29pp |
| 2023-12-31 | 4.61% | ฿127.67 Billion ≈ $3.98 Billion |
฿2.77 Trillion ≈ $86.29 Billion |
-0.89pp |
| 2022-12-31 | 5.50% | ฿145.05 Billion ≈ $4.52 Billion |
฿2.64 Trillion ≈ $82.19 Billion |
-1.72pp |
| 2021-12-31 | 7.22% | ฿180.48 Billion ≈ $5.63 Billion |
฿2.50 Trillion ≈ $77.90 Billion |
+1.26pp |
| 2020-12-31 | 5.96% | ฿155.64 Billion ≈ $4.85 Billion |
฿2.61 Trillion ≈ $81.33 Billion |
+1.61pp |
| 2019-12-31 | 4.35% | ฿102.72 Billion ≈ $3.20 Billion |
฿2.36 Trillion ≈ $73.55 Billion |
-1.03pp |
| 2018-12-31 | 5.39% | ฿117.10 Billion ≈ $3.65 Billion |
฿2.17 Trillion ≈ $67.75 Billion |
+2.19pp |
| 2017-12-31 | 3.20% | ฿66.80 Billion ≈ $2.08 Billion |
฿2.09 Trillion ≈ $65.11 Billion |
-2.88pp |
| 2016-12-31 | 6.08% | ฿114.50 Billion ≈ $3.57 Billion |
฿1.88 Trillion ≈ $58.70 Billion |
-0.24pp |
| 2015-12-31 | 6.32% | ฿107.76 Billion ≈ $3.36 Billion |
฿1.71 Trillion ≈ $53.16 Billion |
+1.71pp |
| 2014-12-31 | 4.61% | ฿55.94 Billion ≈ $1.74 Billion |
฿1.21 Trillion ≈ $37.85 Billion |
-1.37pp |
| 2013-12-31 | 5.98% | ฿70.50 Billion ≈ $2.20 Billion |
฿1.18 Trillion ≈ $36.77 Billion |
-0.71pp |
| 2012-12-31 | 6.69% | ฿71.73 Billion ≈ $2.24 Billion |
฿1.07 Trillion ≈ $33.41 Billion |
+3.35pp |
| 2010-12-31 | 3.34% | ฿29.04 Billion ≈ $905.28 Million |
฿869.83 Billion ≈ $27.11 Billion |
+0.42pp |
| 2009-12-31 | 2.92% | ฿22.78 Billion ≈ $710.03 Million |
฿780.13 Billion ≈ $24.32 Billion |
-0.72pp |
| 2008-12-31 | 3.64% | ฿27.15 Billion ≈ $846.28 Million |
฿745.48 Billion ≈ $23.24 Billion |
+0.15pp |
| 2007-12-31 | 3.49% | ฿22.80 Billion ≈ $710.66 Million |
฿652.39 Billion ≈ $20.33 Billion |
-0.74pp |
| 2006-12-31 | 4.24% | ฿28.24 Billion ≈ $880.13 Million |
฿666.23 Billion ≈ $20.77 Billion |
+0.79pp |
| 2005-12-31 | 3.45% | ฿22.34 Billion ≈ $696.47 Million |
฿647.37 Billion ≈ $20.18 Billion |
-0.83pp |
| 2004-12-31 | 4.28% | ฿24.63 Billion ≈ $767.71 Million |
฿575.36 Billion ≈ $17.93 Billion |
+0.24pp |
| 2003-12-31 | 4.04% | ฿21.18 Billion ≈ $660.26 Million |
฿524.12 Billion ≈ $16.34 Billion |
+3.35pp |
| 2002-12-31 | 0.69% | ฿3.25 Billion ≈ $101.30 Million |
฿468.52 Billion ≈ $14.60 Billion |
-0.94pp |
| 2001-12-31 | 1.64% | ฿7.26 Billion ≈ $226.16 Million |
฿443.57 Billion ≈ $13.83 Billion |
-3.91pp |
| 2000-12-31 | 5.54% | ฿24.11 Billion ≈ $751.64 Million |
฿435.11 Billion ≈ $13.56 Billion |
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About Bank of Ayudhya PCL
Bank of Ayudhya Public Company Limited, together with its subsidiaries, provides commercial banking products and services to individuals, corporates, small and medium-sized businesses, and financial institutions. The company operates through Retail, Commercial, and Others segments. The Retail segment offers a range of banking and related financial services, including current and savings accounts,… Read more