To factor $ axy+bcxy-bcz-az $ we can use factoring by grouping.
Group $ \color{blue}{ axy }$ with $ \color{blue}{ bcxy }$ and $ \color{red}{ -bcz }$ with $ \color{red}{ -az }$ then factor each group.
$$ \begin{aligned} axy+bcxy-bcz-az &= ( \color{blue}{ axy+bcxy } ) + ( \color{red}{ -bcz-az }) = \\ &= \color{blue}{ xy( a+bc )} \color{red}{ -z( bc+a ) } = \\ &= (xy-z)(a+bc) \end{aligned} $$