Bank of Ayudhya PCL (BAY) — Net Asset Quality Index
Bank of Ayudhya PCL (BAY) has a Net Asset Quality Index of 16.6% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of ฿2.65 Trillion minus total liabilities of ฿2.21 Trillion yields net assets of ฿440.09 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check Bank of Ayudhya PCL liquidity resilience to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Bank of Ayudhya PCL Net Asset Quality Index Over Time (2000–2025)
This chart shows how Bank of Ayudhya PCL's Net Asset Quality Index has evolved across 26 annual periods from 2000 to 2025. As of December 2025, the index stands at 16.6%, representing net assets of ฿440.09 Billion against total assets of ฿2.65 Trillion THB. See BAY working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Bank of Ayudhya PCL (2000–2025)
The table below presents the year-by-year Net Asset Quality Index for Bank of Ayudhya PCL from 2000 to 2025, covering 26 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see BAY market cap.
| Year | Quality Index | Net Assets (THB) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 16.6% | ฿440.09 Billion | ฿2.65 Trillion | ฿2.21 Trillion | ▲ +1.5 pp |
| 2024 | 15.1% | ฿395.81 Billion | ฿2.62 Trillion | ฿2.22 Trillion | ▲ +1.7 pp |
| 2023 | 13.4% | ฿371.45 Billion | ฿2.77 Trillion | ฿2.40 Trillion | ▲ +0.5 pp |
| 2022 | 13.0% | ฿341.76 Billion | ฿2.64 Trillion | ฿2.30 Trillion | ▼ -74.7 pp |
| 2021 | 87.7% | ฿2.19 Trillion | ฿2.50 Trillion | ฿307.17 Billion | ▲ +2.4 pp |
| 2020 | 85.3% | ฿2.23 Trillion | ฿2.61 Trillion | ฿382.56 Billion | ▲ +3.7 pp |
| 2019 | 81.7% | ฿1.93 Trillion | ฿2.36 Trillion | ฿432.69 Billion | ▲ +70.4 pp |
| 2018 | 11.2% | ฿243.72 Billion | ฿2.17 Trillion | ฿1.93 Trillion | ▲ +0.4 pp |
| 2017 | 10.8% | ฿225.99 Billion | ฿2.09 Trillion | ฿1.86 Trillion | ▼ -0.3 pp |
| 2016 | 11.1% | ฿208.77 Billion | ฿1.88 Trillion | ฿1.67 Trillion | ▼ -0.1 pp |
| 2015 | 11.2% | ฿190.75 Billion | ฿1.71 Trillion | ฿1.51 Trillion | ▲ +0.3 pp |
| 2014 | 10.8% | ฿131.67 Billion | ฿1.21 Trillion | ฿1.08 Trillion | ▲ +0.5 pp |
| 2013 | 10.3% | ฿121.65 Billion | ฿1.18 Trillion | ฿1.06 Trillion | ▼ -0.3 pp |
| 2012 | 10.6% | ฿113.49 Billion | ฿1.07 Trillion | ฿958.48 Billion | ▼ -0.2 pp |
| 2011 | 10.8% | ฿102.70 Billion | ฿947.80 Billion | ฿845.10 Billion | ▼ -0.6 pp |
| 2010 | 11.4% | ฿99.10 Billion | ฿869.83 Billion | ฿770.73 Billion | ▼ -0.5 pp |
| 2009 | 11.9% | ฿92.59 Billion | ฿780.13 Billion | ฿687.55 Billion | ▲ +0.4 pp |
| 2008 | 11.5% | ฿85.37 Billion | ฿745.48 Billion | ฿660.11 Billion | ▼ -0.5 pp |
| 2007 | 12.0% | ฿78.07 Billion | ฿652.39 Billion | ฿574.32 Billion | ▲ +4.9 pp |
| 2006 | 7.1% | ฿47.15 Billion | ฿666.23 Billion | ฿619.08 Billion | ▲ +0.8 pp |
| 2005 | 6.2% | ฿40.36 Billion | ฿647.37 Billion | ฿607.01 Billion | ▲ +0.5 pp |
| 2004 | 5.8% | ฿33.14 Billion | ฿575.36 Billion | ฿542.21 Billion | ▼ -2.2 pp |
| 2003 | 8.0% | ฿41.82 Billion | ฿524.12 Billion | ฿482.30 Billion | ▲ +4.3 pp |
| 2002 | 3.6% | ฿17.09 Billion | ฿468.52 Billion | ฿451.43 Billion | ▲ +0.2 pp |
| 2001 | 3.4% | ฿15.30 Billion | ฿443.57 Billion | ฿428.26 Billion | ▼ -0.1 pp |
| 2000 | 3.6% | ฿15.47 Billion | ฿435.11 Billion | ฿419.64 Billion | — |