[RHBBANK] QoQ Annualized Quarter Result on 31-Dec-2022 [#4]

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Annualized Quarter Result
Revenue	16,241,881	15,931,344	15,671,884	13,278,708	12,438,014	11,687,398	11,431,120	26.35%
YoY %	1.95%	1.66%	18.02%	6.76%	6.42%	2.24%	-	-
Horiz. %	142.08%	139.37%	137.10%	116.16%	108.81%	102.24%	100.00%	-
PBT	3,930,120	4,136,544	4,020,728	4,170,784	3,931,522	3,818,704	3,562,200	6.76%
YoY %	-4.99%	2.88%	-3.60%	6.09%	2.95%	7.20%	-	-
Horiz. %	110.33%	116.12%	112.87%	117.08%	110.37%	107.20%	100.00%	-
Tax	-965,834	-991,888	-970,212	-1,458,763	-1,347,416	-1,345,034	-1,157,192	-11.34%
YoY %	2.63%	-2.23%	33.49%	-8.26%	-0.18%	-16.23%	-	-
Horiz. %	83.46%	85.72%	83.84%	126.06%	116.44%	116.23%	100.00%	-
NP	2,964,285	3,144,656	3,050,516	2,712,021	2,584,106	2,473,670	2,405,008	14.94%
YoY %	-5.74%	3.09%	12.48%	4.95%	4.46%	2.85%	-	-
Horiz. %	123.25%	130.75%	126.84%	112.77%	107.45%	102.85%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,960,422	3,140,736	3,046,672	2,707,688	2,580,764	2,470,190	2,401,068	14.96%
YoY %	-5.74%	3.09%	12.52%	4.92%	4.48%	2.88%	-	-
Horiz. %	123.30%	130.81%	126.89%	112.77%	107.48%	102.88%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	24.58%	23.98%	24.13%	34.98%	34.27%	35.22%	32.49%	-
YoY %	2.50%	-0.62%	-31.02%	2.07%	-2.70%	8.40%	-	-
Horiz. %	75.65%	73.81%	74.27%	107.66%	105.48%	108.40%	100.00%	-
Total Cost	13,277,596	12,786,688	12,621,368	10,566,687	9,853,908	9,213,728	9,026,112	29.31%
YoY %	3.84%	1.31%	19.44%	7.23%	6.95%	2.08%	-	-
Horiz. %	147.10%	141.66%	139.83%	117.07%	109.17%	102.08%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	29,910,137	29,907,515	29,884,096	28,619,247	28,044,431	27,051,673	28,067,858	4.32%
YoY %	0.01%	0.08%	4.42%	2.05%	3.67%	-3.62%	-	-
Horiz. %	106.56%	106.55%	106.47%	101.96%	99.92%	96.38%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Dividend
Div	857,269	1,280,250	-	1,693,271	842,415	1,246,295	-	-
YoY %	-33.04%	0.00%	-	101.00%	-32.41%	0.00%	-	-
Horiz. %	68.79%	102.72%	-	135.86%	67.59%	100.00%	-	-
Div Payout %	28.96%	40.76%	-	62.54%	32.64%	50.45%	-	-
YoY %	-28.95%	0.00%	-	91.61%	-35.30%	0.00%	-	-
Horiz. %	57.40%	80.79%	-	123.96%	64.70%	100.00%	-	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Equity
Net Worth	29,910,137	29,907,515	29,884,096	28,619,247	28,044,431	27,051,673	28,067,858	4.32%
YoY %	0.01%	0.08%	4.42%	2.05%	3.67%	-3.62%	-	-
Horiz. %	106.56%	106.55%	106.47%	101.96%	99.92%	96.38%	100.00%	-
NOSH	4,286,348	4,286,348	4,247,373	4,247,373	4,212,077	4,212,077	4,142,918	2.29%
YoY %	0.00%	0.92%	0.00%	0.84%	0.00%	1.67%	-	-
Horiz. %	103.46%	103.46%	102.52%	102.52%	101.67%	101.67%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Ratio Analysis
NP Margin	18.25%	19.74%	19.46%	20.42%	20.78%	21.17%	21.04%	-
YoY %	-7.55%	1.44%	-4.70%	-1.73%	-1.84%	0.62%	-	-
Horiz. %	86.74%	93.82%	92.49%	97.05%	98.76%	100.62%	100.00%	-
ROE	9.90%	10.50%	10.19%	9.46%	9.20%	9.13%	8.55%	-
YoY %	-5.71%	3.04%	7.72%	2.83%	0.77%	6.78%	-	-
Horiz. %	115.79%	122.81%	119.18%	110.64%	107.60%	106.78%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Per Share
RPS	378.92	373.32	368.98	313.68	295.29	281.33	275.92	23.52%
YoY %	1.50%	1.18%	17.63%	6.23%	4.96%	1.96%	-	-
Horiz. %	137.33%	135.30%	133.73%	113.69%	107.02%	101.96%	100.00%	-
EPS	69.37	73.76	71.72	64.69	61.89	59.54	57.96	12.71%
YoY %	-5.95%	2.84%	10.87%	4.52%	3.95%	2.73%	-	-
Horiz. %	119.69%	127.26%	123.74%	111.61%	106.78%	102.73%	100.00%	-
DPS	20.00	30.00	0.00	40.00	20.00	30.00	0.00	-
YoY %	-33.33%	0.00%	0.00%	100.00%	-33.33%	0.00%	-	-
Horiz. %	66.67%	100.00%	0.00%	133.33%	66.67%	100.00%	-	-
NAPS	6.978	7.0082	7.0359	6.7607	6.6581	6.5117	6.7749	1.98%
YoY %	-0.43%	-0.39%	4.07%	1.54%	2.25%	-3.88%	-	-
Horiz. %	103.00%	103.44%	103.85%	99.79%	98.28%	96.12%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Adjusted Per Share Value based on latest NOSH - 4,247,373
RPS	372.52	365.40	359.45	304.56	285.28	268.06	262.18	26.35%
YoY %	1.95%	1.66%	18.02%	6.76%	6.42%	2.24%	-	-
Horiz. %	142.09%	139.37%	137.10%	116.16%	108.81%	102.24%	100.00%	-
EPS	67.90	72.04	69.88	62.10	59.19	56.66	55.07	14.96%
YoY %	-5.75%	3.09%	12.53%	4.92%	4.47%	2.89%	-	-
Horiz. %	123.30%	130.82%	126.89%	112.77%	107.48%	102.89%	100.00%	-
DPS	19.66	29.36	0.00	38.84	19.32	28.58	0.00	-
YoY %	-33.04%	0.00%	0.00%	101.04%	-32.40%	0.00%	-	-
Horiz. %	68.79%	102.73%	0.00%	135.90%	67.60%	100.00%	-	-
NAPS	6.8602	6.8596	6.8542	6.5641	6.4322	6.2045	6.4376	4.32%
YoY %	0.01%	0.08%	4.42%	2.05%	3.67%	-3.62%	-	-
Horiz. %	106.56%	106.56%	106.47%	101.97%	99.92%	96.38%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Price Multiplier on Financial Quarter End Date
Date	29/09/23	30/06/23	31/03/23	30/12/22	30/09/22	30/06/22	31/03/22	-
Price	5.43	5.43	5.58	5.79	5.56	5.73	5.96	-
P/RPS	1.43	1.45	1.51	1.85	1.88	2.04	2.16	-24.02%
YoY %	-1.38%	-3.97%	-18.38%	-1.60%	-7.84%	-5.56%	-	-
Horiz. %	66.20%	67.13%	69.91%	85.65%	87.04%	94.44%	100.00%	-
P/EPS	7.86	7.38	7.78	9.05	9.07	9.64	10.28	-16.37%
YoY %	6.50%	-5.14%	-14.03%	-0.22%	-5.91%	-6.23%	-	-
Horiz. %	76.46%	71.79%	75.68%	88.04%	88.23%	93.77%	100.00%	-
EY	12.72	13.55	12.85	11.05	11.02	10.38	9.72	19.62%
YoY %	-6.13%	5.45%	16.29%	0.27%	6.17%	6.79%	-	-
Horiz. %	130.86%	139.40%	132.20%	113.68%	113.37%	106.79%	100.00%	-
DY	3.68	5.52	0.00	6.91	3.60	5.24	0.00	-
YoY %	-33.33%	0.00%	0.00%	91.94%	-31.30%	0.00%	-	-
Horiz. %	70.23%	105.34%	0.00%	131.87%	68.70%	100.00%	-	-
P/NAPS	0.78	0.77	0.79	0.86	0.84	0.88	0.88	-7.72%
YoY %	1.30%	-2.53%	-8.14%	2.38%	-4.55%	0.00%	-	-
Horiz. %	88.64%	87.50%	89.77%	97.73%	95.45%	100.00%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Price Multiplier on Announcement Date
Date	27/11/23	29/08/23	26/05/23	27/02/23	29/11/22	29/08/22	30/05/22	-
Price	5.57	5.70	5.45	5.60	5.67	5.81	5.91	-
P/RPS	1.47	1.53	1.48	1.79	1.92	2.07	2.14	-22.13%
YoY %	-3.92%	3.38%	-17.32%	-6.77%	-7.25%	-3.27%	-	-
Horiz. %	68.69%	71.50%	69.16%	83.64%	89.72%	96.73%	100.00%	-
P/EPS	8.06	7.74	7.60	8.75	9.25	9.77	10.20	-14.51%
YoY %	4.13%	1.84%	-13.14%	-5.41%	-5.32%	-4.22%	-	-
Horiz. %	79.02%	75.88%	74.51%	85.78%	90.69%	95.78%	100.00%	-
EY	12.40	12.91	13.16	11.42	10.81	10.23	9.81	16.88%
YoY %	-3.95%	-1.90%	15.24%	5.64%	5.67%	4.28%	-	-
Horiz. %	126.40%	131.60%	134.15%	116.41%	110.19%	104.28%	100.00%	-
DY	3.59	5.26	0.00	7.14	3.53	5.16	0.00	-
YoY %	-31.75%	0.00%	0.00%	102.27%	-31.59%	0.00%	-	-
Horiz. %	69.57%	101.94%	0.00%	138.37%	68.41%	100.00%	-	-
P/NAPS	0.80	0.81	0.77	0.83	0.85	0.89	0.87	-5.43%
YoY %	-1.23%	5.19%	-7.23%	-2.35%	-4.49%	2.30%	-	-
Horiz. %	91.95%	93.10%	88.51%	95.40%	97.70%	102.30%	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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