1) $$15xy-25y^2=5y(3x-5y)$$
2) $$12a^5-4a^4=4a^4(3a-1)$$
3) $$6a-6y+ab-by=6(a-y)+b(a-y)=(a-y)(6+b)$$
Ответ: 1) $$5y(3x-5y)$$, 2) $$4a^4(3a-1)$$, 3) $$(a-y)(6+b)$$.