[RHBBANK] QoQ Annualized Quarter Result on 30-Sep-2004

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Annualized Quarter Result
Revenue	4,134,066	3,877,804	5,597,444	3,905,118	3,615,658	3,565,941	3,587,156	9.93%
YoY %	6.61%	-30.72%	43.34%	8.01%	1.39%	-0.59%	-	-
Horiz. %	115.25%	108.10%	156.04%	108.86%	100.79%	99.41%	100.00%	-
PBT	601,150	560,948	750,561	557,371	529,498	519,456	529,004	8.90%
YoY %	7.17%	-25.26%	34.66%	5.26%	1.93%	-1.80%	-	-
Horiz. %	113.64%	106.04%	141.88%	105.36%	100.09%	98.20%	100.00%	-
Tax	-270,902	-282,128	-293,354	-246,088	-228,280	-236,861	-236,152	9.59%
YoY %	3.98%	3.83%	-19.21%	-7.80%	3.62%	-0.30%	-	-
Horiz. %	114.72%	119.47%	124.22%	104.21%	96.67%	100.30%	100.00%	-
NP	330,248	278,820	457,207	311,283	301,218	282,594	292,852	8.34%
YoY %	18.44%	-39.02%	46.88%	3.34%	6.59%	-3.50%	-	-
Horiz. %	112.77%	95.21%	156.12%	106.29%	102.86%	96.50%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	330,248	278,820	457,207	311,283	301,218	282,594	292,852	8.34%
YoY %	18.44%	-39.02%	46.88%	3.34%	6.59%	-3.50%	-	-
Horiz. %	112.77%	95.21%	156.12%	106.29%	102.86%	96.50%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	45.06%	50.29%	39.08%	44.15%	43.11%	45.60%	44.64%	-
YoY %	-10.40%	28.68%	-11.48%	2.41%	-5.46%	2.15%	-	-
Horiz. %	100.94%	112.66%	87.54%	98.90%	96.57%	102.15%	100.00%	-
Total Cost	3,803,818	3,598,984	5,140,237	3,593,835	3,314,440	3,283,346	3,294,304	10.07%
YoY %	5.69%	-29.98%	43.03%	8.43%	0.95%	-0.33%	-	-
Horiz. %	115.47%	109.25%	156.03%	109.09%	100.61%	99.67%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	3,139,170	3,136,725	3,041,974	2,919,911	2,902,646	2,832,036	2,818,700	7.44%
YoY %	0.08%	3.11%	4.18%	0.59%	2.49%	0.47%	-	-
Horiz. %	111.37%	111.28%	107.92%	103.59%	102.98%	100.47%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Dividend
Div	127,018	-	182,154	156,423	118,661	158,350	109,819	10.19%
YoY %	0.00%	-	16.45%	31.82%	-25.06%	44.19%	-	-
Horiz. %	115.66%	-	165.87%	142.44%	108.05%	144.19%	100.00%	-
Div Payout %	38.46%	-	39.84%	50.25%	39.39%	56.03%	37.50%	-
YoY %	0.00%	-	-20.72%	27.57%	-29.70%	49.41%	-	-
Horiz. %	102.56%	-	106.24%	134.00%	105.04%	149.41%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Equity
Net Worth	3,139,170	3,136,725	3,041,974	2,919,911	2,902,646	2,832,036	2,818,700	7.44%
YoY %	0.08%	3.11%	4.18%	0.59%	2.49%	0.47%	-	-
Horiz. %	111.37%	111.28%	107.92%	103.59%	102.98%	100.47%	100.00%	-
NOSH	1,814,549	1,834,342	1,821,541	1,824,944	1,825,563	1,827,120	1,830,325	-0.57%
YoY %	-1.08%	0.70%	-0.19%	-0.03%	-0.09%	-0.18%	-	-
Horiz. %	99.14%	100.22%	99.52%	99.71%	99.74%	99.82%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Ratio Analysis
NP Margin	7.99%	7.19%	8.17%	7.97%	8.33%	7.92%	8.16%	-
YoY %	11.13%	-12.00%	2.51%	-4.32%	5.18%	-2.94%	-	-
Horiz. %	97.92%	88.11%	100.12%	97.67%	102.08%	97.06%	100.00%	-
ROE	10.52%	8.89%	15.03%	10.66%	10.38%	9.98%	10.39%	-
YoY %	18.34%	-40.85%	40.99%	2.70%	4.01%	-3.95%	-	-
Horiz. %	101.25%	85.56%	144.66%	102.60%	99.90%	96.05%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Per Share
RPS	227.83	211.40	307.29	213.99	198.06	195.17	195.98	10.57%
YoY %	7.77%	-31.21%	43.60%	8.04%	1.48%	-0.41%	-	-
Horiz. %	116.25%	107.87%	156.80%	109.19%	101.06%	99.59%	100.00%	-
EPS	18.20	15.20	25.10	17.06	16.50	15.47	16.00	8.97%
YoY %	19.74%	-39.44%	47.13%	3.39%	6.66%	-3.31%	-	-
Horiz. %	113.75%	95.00%	156.88%	106.62%	103.12%	96.69%	100.00%	-
DPS	7.00	0.00	10.00	8.57	6.50	8.67	6.00	10.83%
YoY %	0.00%	0.00%	16.69%	31.85%	-25.03%	44.50%	-	-
Horiz. %	116.67%	0.00%	166.67%	142.83%	108.33%	144.50%	100.00%	-
NAPS	1.73	1.71	1.67	1.60	1.59	1.55	1.54	8.07%
YoY %	1.17%	2.40%	4.37%	0.63%	2.58%	0.65%	-	-
Horiz. %	112.34%	111.04%	108.44%	103.90%	103.25%	100.65%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Adjusted Per Share Value based on latest NOSH - 1,821,941
RPS	94.83	88.95	128.40	89.58	82.94	81.80	82.28	9.93%
YoY %	6.61%	-30.72%	43.34%	8.01%	1.39%	-0.58%	-	-
Horiz. %	115.25%	108.11%	156.05%	108.87%	100.80%	99.42%	100.00%	-
EPS	7.58	6.40	10.49	7.14	6.91	6.48	6.72	8.36%
YoY %	18.44%	-38.99%	46.92%	3.33%	6.64%	-3.57%	-	-
Horiz. %	112.80%	95.24%	156.10%	106.25%	102.83%	96.43%	100.00%	-
DPS	2.91	0.00	4.18	3.59	2.72	3.63	2.52	10.07%
YoY %	0.00%	0.00%	16.43%	31.99%	-25.07%	44.05%	-	-
Horiz. %	115.48%	0.00%	165.87%	142.46%	107.94%	144.05%	100.00%	-
NAPS	0.7201	0.7195	0.6978	0.6698	0.6658	0.6496	0.6466	7.44%
YoY %	0.08%	3.11%	4.18%	0.60%	2.49%	0.46%	-	-
Horiz. %	111.37%	111.27%	107.92%	103.59%	102.97%	100.46%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	-
Price	2.10	2.30	2.34	2.06	1.87	2.27	2.08	-
P/RPS	0.92	1.09	0.76	0.96	0.94	1.16	0.00	-
YoY %	-15.60%	43.42%	-20.83%	2.13%	-18.97%	0.00%	-	-
Horiz. %	79.31%	93.97%	65.52%	82.76%	81.03%	100.00%	-	-
P/EPS	11.54	15.13	9.32	12.08	11.33	14.68	0.00	-
YoY %	-23.73%	62.34%	-22.85%	6.62%	-22.82%	0.00%	-	-
Horiz. %	78.61%	103.07%	63.49%	82.29%	77.18%	100.00%	-	-
EY	8.67	6.61	10.73	8.28	8.82	6.81	0.00	-
YoY %	31.16%	-38.40%	29.59%	-6.12%	29.52%	0.00%	-	-
Horiz. %	127.31%	97.06%	157.56%	121.59%	129.52%	100.00%	-	-
DY	3.33	0.00	4.27	4.16	3.48	3.82	0.00	-
YoY %	0.00%	0.00%	2.64%	19.54%	-8.90%	0.00%	-	-
Horiz. %	87.17%	0.00%	111.78%	108.90%	91.10%	100.00%	-	-
P/NAPS	1.21	1.35	1.40	1.29	1.18	1.46	2.08	-30.33%
YoY %	-10.37%	-3.57%	8.53%	9.32%	-19.18%	-29.81%	-	-
Horiz. %	58.17%	64.90%	67.31%	62.02%	56.73%	70.19%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Price Multiplier on Announcement Date
Date	30/08/05	25/05/05	28/02/05	19/11/04	27/08/04	27/05/04	26/02/04	-
Price	2.32	2.15	2.24	2.24	1.88	1.92	2.73	-
P/RPS	1.02	1.02	0.73	1.05	0.95	0.98	0.00	-
YoY %	0.00%	39.73%	-30.48%	10.53%	-3.06%	0.00%	-	-
Horiz. %	104.08%	104.08%	74.49%	107.14%	96.94%	100.00%	-	-
P/EPS	12.75	14.14	8.92	13.13	11.39	12.41	0.00	-
YoY %	-9.83%	58.52%	-32.06%	15.28%	-8.22%	0.00%	-	-
Horiz. %	102.74%	113.94%	71.88%	105.80%	91.78%	100.00%	-	-
EY	7.84	7.07	11.21	7.61	8.78	8.06	0.00	-
YoY %	10.89%	-36.93%	47.31%	-13.33%	8.93%	0.00%	-	-
Horiz. %	97.27%	87.72%	139.08%	94.42%	108.93%	100.00%	-	-
DY	3.02	0.00	4.46	3.83	3.46	4.51	0.00	-
YoY %	0.00%	0.00%	16.45%	10.69%	-23.28%	0.00%	-	-
Horiz. %	66.96%	0.00%	98.89%	84.92%	76.72%	100.00%	-	-
P/NAPS	1.34	1.26	1.34	1.40	1.18	1.24	2.73	-37.80%
YoY %	6.35%	-5.97%	-4.29%	18.64%	-4.84%	-54.58%	-	-
Horiz. %	49.08%	46.15%	49.08%	51.28%	43.22%	45.42%	100.00%	-

PBT = Profit before Tax, NP = Net Profit, NP to SH = Net Profit Attributable to Shareholder, Div = Dividend, NP Margin = Net Profit Margin, ROE = Return on Equity, NOSH = Number of Shares, RPS = Revenue per Share, EPS = Earning Per Share, DPS = Dividend Per Share, NAPS = Net Asset Per Share, EOQ = End of Quarter, ANN = Announcement, P/RPS = Price/Revenue per Share, P/EPS = Price/Earning per Share, P/NAPS = Price/Net Asset per Share, EY = Earning Yield, DY = Dividend Yield.

NOSH is estimated based on the NP to SH and EPS. Div is an estimated figure based on the DPS and NOSH. Net Worth is an estimated figure based on the NAPS and NOSH.

Div Payout %, NP Margin, ROE, DY, QoQ ⃤ & YoY ⃤ figures in Percentage; RPS, EPS & DPS's figures in Cent; and NAPS's figures in Dollar.

All figures in '000 unless specified.

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