Bank Of Ayudhya PCL (BKK:BAY-R) Moat Score : 4/10 (As of Jul. 20, 2025)

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What is Bank Of Ayudhya PCL Moat Score?

Bank Of Ayudhya PCL has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Bank Of Ayudhya PCL has Narrow Moat: Bank Of Ayudhya has a discernible but modest moat due to its established presence in Thailand's banking sector. It benefits from customer loyalty and regulatory barriers, but faces competition from larger banks, limiting its market share and pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank Of Ayudhya PCL might have Narrow Moat - Discernible but modest moat.

Competitive Comparison of Bank Of Ayudhya PCL's Moat Score

For the Banks - Regional subindustry, Bank Of Ayudhya PCL's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Bank Of Ayudhya PCL's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Bank Of Ayudhya PCL's Moat Score distribution charts can be found below:

* The bar in red indicates where Bank Of Ayudhya PCL's Moat Score falls into.

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Bank Of Ayudhya PCL (BKK:BAY-R) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

Bank Of Ayudhya PCL Moat Score Related Terms

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Bank Of Ayudhya PCL Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Bank Of Ayudhya PCL (BKK:BAY-R) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

BKAHF:USA BAY:Thailand NVAU:Germany

Address

1222 Rama III Road, Bang Phongphang Subdistrict, Yannawa District, Bangkok, THA, 10120

Website

https://www.krungsri.com

Bank Of Ayudhya PCL is a full-service universal bank commonly referred to as Krunsgri, operating mostly in Thailand, and with some exposure to other Asian countries. The bank's operations include commercial banking, retail banking, and other financial services, such as wealth management, credit cards, insurance, asset management, securities trading, auto hire purchases, equipment leasing, factoring, microfinance, and installment loans. Its segments include Retail, Commercial and Others. The majority of revenue is derived from the Retail segment.

Bank Of Ayudhya PCL Headlines

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