[PBBANK] QoQ Annualized Quarter Result on 30-Sep-2007 [#3]

	30/06/08	31/03/08	31/12/07	30/09/07	30/06/07	31/03/07	31/12/06	CAGR
Annualized Quarter Result
Revenue	10,303,182	10,544,048	9,557,599	9,312,693	9,140,092	8,584,880	7,710,224	21.34%
YoY %	-2.28%	10.32%	2.63%	1.89%	6.47%	11.34%	-	-
Horiz. %	133.63%	136.75%	123.96%	120.78%	118.55%	111.34%	100.00%	-
PBT	3,524,396	3,882,528	3,003,638	2,909,916	2,816,026	2,701,072	2,416,361	28.64%
YoY %	-9.22%	29.26%	3.22%	3.33%	4.26%	11.78%	-	-
Horiz. %	145.86%	160.68%	124.30%	120.43%	116.54%	111.78%	100.00%	-
Tax	-847,344	-956,520	-801,852	-784,658	-754,018	-736,904	-621,200	23.01%
YoY %	11.41%	-19.29%	-2.19%	-4.06%	-2.32%	-18.63%	-	-
Horiz. %	136.40%	153.98%	129.08%	126.31%	121.38%	118.63%	100.00%	-
NP	2,677,052	2,926,008	2,201,786	2,125,257	2,062,008	1,964,168	1,795,161	30.55%
YoY %	-8.51%	32.89%	3.60%	3.07%	4.98%	9.41%	-	-
Horiz. %	149.13%	162.99%	122.65%	118.39%	114.86%	109.41%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,621,844	2,869,548	2,123,915	2,058,606	2,000,656	1,904,872	1,726,688	32.14%
YoY %	-8.63%	35.11%	3.17%	2.90%	5.03%	10.32%	-	-
Horiz. %	151.84%	166.19%	123.01%	119.22%	115.87%	110.32%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	24.04%	24.64%	26.70%	26.96%	26.78%	27.28%	25.71%	-
YoY %	-2.44%	-7.72%	-0.96%	0.67%	-1.83%	6.11%	-	-
Horiz. %	93.50%	95.84%	103.85%	104.86%	104.16%	106.11%	100.00%	-
Total Cost	7,626,130	7,618,040	7,355,813	7,187,436	7,078,084	6,620,712	5,915,063	18.47%
YoY %	0.11%	3.56%	2.34%	1.54%	6.91%	11.93%	-	-
Horiz. %	128.93%	128.79%	124.36%	121.51%	119.66%	111.93%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	9,365,980	8,752,859	9,345,226	8,830,939	9,053,287	8,575,951	8,967,840	2.94%
YoY %	7.00%	-6.34%	5.82%	-2.46%	5.57%	-4.37%	-	-
Horiz. %	104.44%	97.60%	104.21%	98.47%	100.95%	95.63%	100.00%	-

	30/06/08	31/03/08	31/12/07	30/09/07	30/06/07	31/03/07	31/12/06	CAGR
Dividend
Div	2,012,674	-	2,514,500	1,118,321	1,677,839	-	1,988,508	0.80%
YoY %	0.00%	-	124.85%	-33.35%	0.00%	-	-	-
Horiz. %	101.22%	-	126.45%	56.24%	84.38%	-	100.00%	-
Div Payout %	76.77%	-	118.39%	54.32%	83.86%	-	115.16%	-
YoY %	0.00%	-	117.95%	-35.23%	0.00%	-	-	-
Horiz. %	66.66%	-	102.80%	47.17%	72.82%	-	100.00%	-

	30/06/08	31/03/08	31/12/07	30/09/07	30/06/07	31/03/07	31/12/06	CAGR
Equity
Net Worth	9,365,980	8,752,859	9,345,226	8,830,939	9,053,287	8,575,951	8,967,840	2.94%
YoY %	7.00%	-6.34%	5.82%	-2.46%	5.57%	-4.37%	-	-
Horiz. %	104.44%	97.60%	104.21%	98.47%	100.95%	95.63%	100.00%	-
NOSH	3,354,457	3,353,843	3,352,667	3,354,965	3,355,679	3,356,011	3,314,180	0.80%
YoY %	0.02%	0.04%	-0.07%	-0.02%	-0.01%	1.26%	-	-
Horiz. %	101.22%	101.20%	101.16%	101.23%	101.25%	101.26%	100.00%	-

	30/06/08	31/03/08	31/12/07	30/09/07	30/06/07	31/03/07	31/12/06	CAGR
Ratio Analysis
NP Margin	25.98%	27.75%	23.04%	22.82%	22.56%	22.88%	23.28%	-
YoY %	-6.38%	20.44%	0.96%	1.15%	-1.40%	-1.72%	-	-
Horiz. %	111.60%	119.20%	98.97%	98.02%	96.91%	98.28%	100.00%	-
ROE	27.99%	32.78%	22.73%	23.31%	22.10%	22.21%	19.25%	-
YoY %	-14.61%	44.21%	-2.49%	5.48%	-0.50%	15.38%	-	-
Horiz. %	145.40%	170.29%	118.08%	121.09%	114.81%	115.38%	100.00%	-

	30/06/08	31/03/08	31/12/07	30/09/07	30/06/07	31/03/07	31/12/06	CAGR
Per Share
RPS	307.15	314.39	285.07	277.58	272.38	255.81	232.64	20.36%
YoY %	-2.30%	10.29%	2.70%	1.91%	6.48%	9.96%	-	-
Horiz. %	132.03%	135.14%	122.54%	119.32%	117.08%	109.96%	100.00%	-
EPS	78.16	85.56	63.35	61.36	59.62	56.76	52.10	31.08%
YoY %	-8.65%	35.06%	3.24%	2.92%	5.04%	8.94%	-	-
Horiz. %	150.02%	164.22%	121.59%	117.77%	114.43%	108.94%	100.00%	-
DPS	60.00	0.00	75.00	33.33	50.00	0.00	60.00	0.00%
YoY %	0.00%	0.00%	125.02%	-33.34%	0.00%	0.00%	-	-
Horiz. %	100.00%	0.00%	125.00%	55.55%	83.33%	0.00%	100.00%	-
NAPS	2.7921	2.6098	2.7874	2.6322	2.6979	2.5554	2.7059	2.11%
YoY %	6.99%	-6.37%	5.90%	-2.44%	5.58%	-5.56%	-	-
Horiz. %	103.19%	96.45%	103.01%	97.28%	99.70%	94.44%	100.00%	-

	30/06/08	31/03/08	31/12/07	30/09/07	30/06/07	31/03/07	31/12/06	CAGR
Adjusted Per Share Value based on latest NOSH - 3,353,652
RPS	53.06	54.30	49.22	47.96	47.07	44.21	39.71	21.33%
YoY %	-2.28%	10.32%	2.63%	1.89%	6.47%	11.33%	-	-
Horiz. %	133.62%	136.74%	123.95%	120.78%	118.53%	111.33%	100.00%	-
EPS	13.50	14.78	10.94	10.60	10.30	9.81	8.89	32.14%
YoY %	-8.66%	35.10%	3.21%	2.91%	4.99%	10.35%	-	-
Horiz. %	151.86%	166.25%	123.06%	119.24%	115.86%	110.35%	100.00%	-
DPS	10.37	0.00	12.95	5.76	8.64	0.00	10.24	0.84%
YoY %	0.00%	0.00%	124.83%	-33.33%	0.00%	0.00%	-	-
Horiz. %	101.27%	0.00%	126.46%	56.25%	84.38%	0.00%	100.00%	-
NAPS	0.4824	0.4508	0.4813	0.4548	0.4663	0.4417	0.4619	2.94%
YoY %	7.01%	-6.34%	5.83%	-2.47%	5.57%	-4.37%	-	-
Horiz. %	104.44%	97.60%	104.20%	98.46%	100.95%	95.63%	100.00%	-

	30/06/08	31/03/08	31/12/07	30/09/07	30/06/07	31/03/07	31/12/06	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/06/08	31/03/08	31/12/07	28/09/07	29/06/07	30/03/07	29/12/06	-
Price	10.40	10.50	11.00	9.95	9.80	8.85	7.75	-
P/RPS	3.39	3.34	3.86	3.58	3.60	3.46	3.33	1.19%
YoY %	1.50%	-13.47%	7.82%	-0.56%	4.05%	3.90%	-	-
Horiz. %	101.80%	100.30%	115.92%	107.51%	108.11%	103.90%	100.00%	-
P/EPS	13.31	12.27	17.36	16.22	16.44	15.59	14.88	-7.17%
YoY %	8.48%	-29.32%	7.03%	-1.34%	5.45%	4.77%	-	-
Horiz. %	89.45%	82.46%	116.67%	109.01%	110.48%	104.77%	100.00%	-
EY	7.52	8.15	5.76	6.17	6.08	6.41	6.72	7.79%
YoY %	-7.73%	41.49%	-6.65%	1.48%	-5.15%	-4.61%	-	-
Horiz. %	111.90%	121.28%	85.71%	91.82%	90.48%	95.39%	100.00%	-
DY	5.77	0.00	6.82	3.35	5.10	0.00	7.74	-17.79%
YoY %	0.00%	0.00%	103.58%	-34.31%	0.00%	0.00%	-	-
Horiz. %	74.55%	0.00%	88.11%	43.28%	65.89%	0.00%	100.00%	-
P/NAPS	3.72	4.02	3.95	3.78	3.63	3.46	2.86	19.17%
YoY %	-7.46%	1.77%	4.50%	4.13%	4.91%	20.98%	-	-
Horiz. %	130.07%	140.56%	138.11%	132.17%	126.92%	120.98%	100.00%	-

	30/06/08	31/03/08	31/12/07	30/09/07	30/06/07	31/03/07	31/12/06	CAGR
Price Multiplier on Announcement Date
Date	17/07/08	14/04/08	21/01/08	16/10/07	17/07/07	16/04/07	22/01/07	-
Price	10.30	10.90	11.00	10.30	9.80	9.25	8.50	-
P/RPS	3.35	3.47	3.86	3.71	3.60	3.62	3.65	-5.56%
YoY %	-3.46%	-10.10%	4.04%	3.06%	-0.55%	-0.82%	-	-
Horiz. %	91.78%	95.07%	105.75%	101.64%	98.63%	99.18%	100.00%	-
P/EPS	13.18	12.74	17.36	16.79	16.44	16.30	16.31	-13.25%
YoY %	3.45%	-26.61%	3.39%	2.13%	0.86%	-0.06%	-	-
Horiz. %	80.81%	78.11%	106.44%	102.94%	100.80%	99.94%	100.00%	-
EY	7.59	7.85	5.76	5.96	6.08	6.14	6.13	15.32%
YoY %	-3.31%	36.28%	-3.36%	-1.97%	-0.98%	0.16%	-	-
Horiz. %	123.82%	128.06%	93.96%	97.23%	99.18%	100.16%	100.00%	-
DY	5.83	0.00	6.82	3.24	5.10	0.00	7.06	-11.99%
YoY %	0.00%	0.00%	110.49%	-36.47%	0.00%	0.00%	-	-
Horiz. %	82.58%	0.00%	96.60%	45.89%	72.24%	0.00%	100.00%	-
P/NAPS	3.69	4.18	3.95	3.91	3.63	3.62	3.14	11.37%
YoY %	-11.72%	5.82%	1.02%	7.71%	0.28%	15.29%	-	-
Horiz. %	117.52%	133.12%	125.80%	124.52%	115.61%	115.29%	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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