Bank of Ayudhya Public Company Limited is a Thailand-based commercial bank. It offers a range of financial products and services to corporate, small and medium-sized enterprise (SME), and individual customers through its nationwide branch network. The Bank also provide related financial services through its subsidiaries, which include credit cards, life and non-life insurance, asset management, securities trading, auto hire purchase, equipment leasing, factoring, microfinance, and installment loans. Its services also include trade finance, letter of guarantees, letter of credit, investment banking, payment and cash management, financial advisory, currency exchange, domestic and international fund transfer, automated teller machine (ATM) cards, debit cards, credit cards, bancassurance, and investment services. As of December 31, 2012, it had 601 domestic branches, with 273 branches in Bangkok and its vicinities and 328 branches in upcountry.