Bank of Ayudhya Public Company Limited (BAY-R.BK) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-28). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Bank of Ayudhya Public Company Limited under conventional finance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from published company financials, balance sheet as of 2025-12-31. BAY-R.BK files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_finance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 114.36% | 30.00% | Fail |
| Interest-bearing investments | 83.58% | 30.00% | Fail |
| Non-permissible income | 95.15% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 12.29% | 33.00% | Pass |
| Interest-bearing investments | 8.98% | 33.00% | Pass |
| Non-liquid assets | 90.47% | at least 20.00% | Pass |
| Non-permissible income | 95.15% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 12.29% | 33.33% | Pass |
| Cash + interest-bearing securities | 8.98% | 33.33% | Pass |
| Accounts receivable | 9.53% | 33.33% | Pass |
| Non-permissible income | 95.15% | 5.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 12.29% | 33.33% | Pass |
| Cash + interest-bearing securities | 8.98% | 33.33% | Pass |
| Accounts receivable | 9.53% | 50.00% | Pass |
| Non-permissible income | 95.15% | 5.00% | Fail |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 184.48% | 33.00% | Fail |
| Cash + interest-bearing securities | 134.83% | 33.00% | Fail |
| Accounts receivable | 8.26% | 33.00% | Pass |
| Non-permissible income | 95.15% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 174.77% | 33.00% | Fail |
| Cash + interest-bearing securities | 127.74% | 49.00% | Fail |
| Accounts receivable | 7.82% | 49.00% | Pass |
| Non-permissible income | 95.15% | 5.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 174.77% | 33.33% | Fail |
| Cash + interest-bearing securities | 127.74% | 33.33% | Fail |
| Accounts receivable | 135.56% | 49.00% | Fail |
| Non-permissible income | 95.15% | 5.00% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset
Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 75.80 | SELL |
| Stochastic %K (14) | 10.47 | BUY |
| CCI (20) | 35.60 | NEUTRAL |
| Williams %R (14) | -89.53 | BUY |
| MACD (12,26,9) | -0.08 | SELL |
| ROC (10) | -3.33 | SELL |
| Momentum (10) | -1.34 | SELL |
| EMA (10) | 38.75 | BUY |
| SMA (10) | 39.74 | SELL |
| EMA (20) | 36.09 | BUY |
| SMA (20) | 35.35 | BUY |
| EMA (30) | 33.95 | BUY |
| SMA (30) | 31.90 | BUY |
| EMA (50) | 31.31 | BUY |
| SMA (50) | 29.15 | BUY |
| EMA (100) | 28.44 | BUY |
| SMA (100) | 27.03 | BUY |
| EMA (200) | 26.20 | BUY |
| SMA (200) | 25.41 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Banks - Regional
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, such as current and savings accounts, fixed deposits, bills of exchange, housing loans, credit cards, personal loans and sale finance loans, hire-purchase and leasing, wealth management, and bancassurance products. The Commercial segment provides financial services and products comprising a range of credit facilities, which include short-term working capital, cash management, trade finance, transactional banking, advisory services, and treasury and money markets products. It also offers refinancing, hire purchase, and leasing services; venture capital services; car rental and personnel services; collection services; mutual funds and private fund management services; factoring and information technology services; and microfinance, real estate lease, asset management, and securities services, as well as operates as a life assurance and general insurance broker. In addition, the company develops, manages, and sells non-performing assets and other assets transferred from financial institutions. Bank of Ayudhya Public Company Limited was founded in 1945 and is headquartered in Bangkok, Thailand. Bank of Ayudhya Public Company Limited operates as a subsidiary of MUFG Bank, Ltd.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.
