Bank of Ayudhya Public 

Bank of Ayudhya Public Company Limited (BAY.BK) offers a broad spectrum of commercial banking solutions to a diverse clientele, encompassing private individuals, corporate entities, small and medium enterprises (SMEs), and other financial organizations. Within its retail division, it presents an array of financial products and services, such as checking and savings accounts, term deposits, various credit instruments (e.g., housing loans, credit cards, personal loans, sales financing, hire-purchase, and leasing), wealth management, and bancassurance offerings. Meanwhile, its commercial arm delivers a suite of services designed for businesses, featuring diverse credit facilities including short-term operating capital, sophisticated cash management systems, trade finance solutions, efficient transactional banking, expert advisory support, and access to treasury and money market instruments. Beyond traditional banking, the bank extends its offerings to include refinancing, venture capital, car rental, debt collection, human resources support, and the management of both mutual and private investment funds. It further engages in factoring, provides information technology services, offers microfinance solutions, facilitates real estate leasing, and engages in securities services. Additionally, it functions as an insurance broker for life, non-life, and general insurance policies. Founded in 1945, the institution maintains its principal office in Bangkok, Thailand, and operates as a subsidiary of MUFG Bank, Ltd.