Bank of Ayudhya Public Company Limited (BAY) is a Thailand-based commercial bank. The bank, along with its subsidiaries, provides financial services such as deposits, loans, credit cards, life and non-life insurance, asset management, securities trading, equipment leasing, factoring, microfinance, and installment loans.It serves individuals and small to midsized businesses. BAY focuses on retail businesses, it acquired auto hire purchase, sales finance, personal loans, and credit cards. The bank operates across Hong Kong, Viangchan, Savannaketh, and the Cayman Islands. Its key subsidiaries include Krungsriayudhya Card Co., Ltd., Ayudhya Asset Management Co., Ltd., Ayudhya Fund Management Co., Ltd., Siam Realty and Services Co., Ltd. BAY is headquartered in Bangkok, Thailand.