[RHBBANK] QoQ Annualized Quarter Result on 31-Dec-2023 [#4]

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Annualized Quarter Result
Revenue	17,774,780	17,640,376	17,609,236	16,580,531	16,241,881	15,931,344	15,671,884	8.73%
YoY %	0.76%	0.18%	6.20%	2.09%	1.95%	1.66%	-	-
Horiz. %	113.42%	112.56%	112.36%	105.80%	103.64%	101.66%	100.00%	-
PBT	3,963,693	3,768,834	3,640,644	3,753,344	3,930,120	4,136,544	4,020,728	-0.94%
YoY %	5.17%	3.52%	-3.00%	-4.50%	-4.99%	2.88%	-	-
Horiz. %	98.58%	93.74%	90.55%	93.35%	97.75%	102.88%	100.00%	-
Tax	-912,502	-860,562	-715,244	-942,845	-965,834	-991,888	-970,212	-3.99%
YoY %	-6.04%	-20.32%	24.14%	2.38%	2.63%	-2.23%	-	-
Horiz. %	94.05%	88.70%	73.72%	97.18%	99.55%	102.23%	100.00%	-
NP	3,051,190	2,908,272	2,925,400	2,810,499	2,964,285	3,144,656	3,050,516	0.01%
YoY %	4.91%	-0.59%	4.09%	-5.19%	-5.74%	3.09%	-	-
Horiz. %	100.02%	95.34%	95.90%	92.13%	97.17%	103.09%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	3,047,558	2,904,956	2,920,680	2,806,228	2,960,422	3,140,736	3,046,672	0.01%
YoY %	4.91%	-0.54%	4.08%	-5.21%	-5.74%	3.09%	-	-
Horiz. %	100.03%	95.35%	95.86%	92.11%	97.17%	103.09%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	23.02%	22.83%	19.65%	25.12%	24.58%	23.98%	24.13%	-
YoY %	0.83%	16.18%	-21.78%	2.20%	2.50%	-0.62%	-	-
Horiz. %	95.40%	94.61%	81.43%	104.10%	101.86%	99.38%	100.00%	-
Total Cost	14,723,589	14,732,104	14,683,836	13,770,032	13,277,596	12,786,688	12,621,368	10.78%
YoY %	-0.06%	0.33%	6.64%	3.71%	3.84%	1.31%	-	-
Horiz. %	116.66%	116.72%	116.34%	109.10%	105.20%	101.31%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	31,460,265	31,409,359	31,710,831	30,874,565	29,910,137	29,907,515	29,884,096	3.47%
YoY %	0.16%	-0.95%	2.71%	3.22%	0.01%	0.08%	-	-
Horiz. %	105.27%	105.10%	106.11%	103.31%	100.09%	100.08%	100.00%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Dividend
Div	864,637	1,296,996	-	1,714,539	857,269	1,280,250	-	-
YoY %	-33.34%	0.00%	-	100.00%	-33.04%	0.00%	-	-
Horiz. %	67.54%	101.31%	-	133.92%	66.96%	100.00%	-	-
Div Payout %	28.37%	44.65%	-	61.10%	28.96%	40.76%	-	-
YoY %	-36.46%	0.00%	-	110.98%	-28.95%	0.00%	-	-
Horiz. %	69.60%	109.54%	-	149.90%	71.05%	100.00%	-	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Equity
Net Worth	31,460,265	31,409,359	31,710,831	30,874,565	29,910,137	29,907,515	29,884,096	3.47%
YoY %	0.16%	-0.95%	2.71%	3.22%	0.01%	0.08%	-	-
Horiz. %	105.27%	105.10%	106.11%	103.31%	100.09%	100.08%	100.00%	-
NOSH	4,323,187	4,359,489	4,286,348	4,286,348	4,286,348	4,286,348	4,247,373	1.18%
YoY %	-0.83%	1.71%	0.00%	0.00%	0.00%	0.92%	-	-
Horiz. %	101.78%	102.64%	100.92%	100.92%	100.92%	100.92%	100.00%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Ratio Analysis
NP Margin	17.17%	16.49%	16.61%	16.95%	18.25%	19.74%	19.46%	-
YoY %	4.12%	-0.72%	-2.01%	-7.12%	-7.55%	1.44%	-	-
Horiz. %	88.23%	84.74%	85.35%	87.10%	93.78%	101.44%	100.00%	-
ROE	9.69%	9.25%	9.21%	9.09%	9.90%	10.50%	10.19%	-
YoY %	4.76%	0.43%	1.32%	-8.18%	-5.71%	3.04%	-	-
Horiz. %	95.09%	90.78%	90.38%	89.21%	97.15%	103.04%	100.00%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Per Share
RPS	411.15	408.03	410.82	386.82	378.92	373.32	368.98	7.45%
YoY %	0.76%	-0.68%	6.20%	2.08%	1.50%	1.18%	-	-
Horiz. %	111.43%	110.58%	111.34%	104.83%	102.69%	101.18%	100.00%	-
EPS	70.49	67.48	68.12	65.69	69.37	73.76	71.72	-1.14%
YoY %	4.46%	-0.94%	3.70%	-5.30%	-5.95%	2.84%	-	-
Horiz. %	98.28%	94.09%	94.98%	91.59%	96.72%	102.84%	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	7.2771	7.2651	7.3981	7.203	6.978	7.0082	7.0359	2.26%
YoY %	0.17%	-1.80%	2.71%	3.22%	-0.43%	-0.39%	-	-
Horiz. %	103.43%	103.26%	105.15%	102.37%	99.18%	99.61%	100.00%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Adjusted Per Share Value based on latest NOSH - 4,286,348
RPS	407.68	404.60	403.88	380.29	372.52	365.40	359.45	8.73%
YoY %	0.76%	0.18%	6.20%	2.09%	1.95%	1.66%	-	-
Horiz. %	113.42%	112.56%	112.36%	105.80%	103.64%	101.66%	100.00%	-
EPS	69.90	66.63	66.99	64.36	67.90	72.04	69.88	0.01%
YoY %	4.91%	-0.54%	4.09%	-5.21%	-5.75%	3.09%	-	-
Horiz. %	100.03%	95.35%	95.86%	92.10%	97.17%	103.09%	100.00%	-
DPS	19.83	29.75	0.00	39.32	19.66	29.36	0.00	-
YoY %	-33.34%	0.00%	0.00%	100.00%	-33.04%	0.00%	-	-
Horiz. %	67.54%	101.33%	0.00%	133.92%	66.96%	100.00%	-	-
NAPS	7.2157	7.204	7.2732	7.0814	6.8602	6.8596	6.8542	3.47%
YoY %	0.16%	-0.95%	2.71%	3.22%	0.01%	0.08%	-	-
Horiz. %	105.27%	105.10%	106.11%	103.31%	100.09%	100.08%	100.00%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/24	28/06/24	29/03/24	29/12/23	29/09/23	30/06/23	31/03/23	-
Price	6.18	5.51	5.67	5.45	5.43	5.43	5.58	-
P/RPS	1.50	1.35	1.38	1.41	1.43	1.45	1.51	-0.44%
YoY %	11.11%	-2.17%	-2.13%	-1.40%	-1.38%	-3.97%	-	-
Horiz. %	99.34%	89.40%	91.39%	93.38%	94.70%	96.03%	100.00%	-
P/EPS	8.77	8.20	8.32	8.32	7.86	7.38	7.78	8.28%
YoY %	6.95%	-1.44%	0.00%	5.85%	6.50%	-5.14%	-	-
Horiz. %	112.72%	105.40%	106.94%	106.94%	101.03%	94.86%	100.00%	-
EY	11.41	12.19	12.02	12.01	12.72	13.55	12.85	-7.59%
YoY %	-6.40%	1.41%	0.08%	-5.58%	-6.13%	5.45%	-	-
Horiz. %	88.79%	94.86%	93.54%	93.46%	98.99%	105.45%	100.00%	-
DY	3.24	5.44	0.00	7.34	3.68	5.52	0.00	-
YoY %	-40.44%	0.00%	0.00%	99.46%	-33.33%	0.00%	-	-
Horiz. %	58.70%	98.55%	0.00%	132.97%	66.67%	100.00%	-	-
P/NAPS	0.85	0.76	0.77	0.76	0.78	0.77	0.79	4.98%
YoY %	11.84%	-1.30%	1.32%	-2.56%	1.30%	-2.53%	-	-
Horiz. %	107.59%	96.20%	97.47%	96.20%	98.73%	97.47%	100.00%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Price Multiplier on Announcement Date
Date	29/11/24	27/08/24	29/05/24	27/02/24	27/11/23	29/08/23	26/05/23	-
Price	6.69	5.92	5.50	5.68	5.57	5.70	5.45	-
P/RPS	1.63	1.45	1.34	1.47	1.47	1.53	1.48	6.62%
YoY %	12.41%	8.21%	-8.84%	0.00%	-3.92%	3.38%	-	-
Horiz. %	110.14%	97.97%	90.54%	99.32%	99.32%	103.38%	100.00%	-
P/EPS	9.49	8.81	8.07	8.68	8.06	7.74	7.60	15.91%
YoY %	7.72%	9.17%	-7.03%	7.69%	4.13%	1.84%	-	-
Horiz. %	124.87%	115.92%	106.18%	114.21%	106.05%	101.84%	100.00%	-
EY	10.54	11.35	12.39	11.53	12.40	12.91	13.16	-13.72%
YoY %	-7.14%	-8.39%	7.46%	-7.02%	-3.95%	-1.90%	-	-
Horiz. %	80.09%	86.25%	94.15%	87.61%	94.22%	98.10%	100.00%	-
DY	2.99	5.07	0.00	7.04	3.59	5.26	0.00	-
YoY %	-41.03%	0.00%	0.00%	96.10%	-31.75%	0.00%	-	-
Horiz. %	56.84%	96.39%	0.00%	133.84%	68.25%	100.00%	-	-
P/NAPS	0.92	0.81	0.74	0.79	0.80	0.81	0.77	12.56%
YoY %	13.58%	9.46%	-6.33%	-1.25%	-1.23%	5.19%	-	-
Horiz. %	119.48%	105.19%	96.10%	102.60%	103.90%	105.19%	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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