Ayudhya Capital Auto Lease , a subsidiary of Bank of Ayudhya and the major player in vehicle loans, will focus more on building relationships with auto dealerships and strengthening its online channel in an effort to keep growing faster than rivals in this sector. Pairote Cheunkrut, first executive vice president of BAY and managing director of Krungsri Auto, said that even though domestic car sales had bottomed out and used-car prices were stable, the instalment-loan market in 2015 was not expected to witness healthy growth.