[RHBBANK] QoQ Cumulative Quarter Result on 30-Sep-2022 [#3]

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Cumulative Result
Revenue	7,965,672	3,917,971	13,278,708	9,328,511	5,843,699	2,857,780	11,748,749	-22.87%
YoY %	103.31%	-70.49%	42.35%	59.63%	104.48%	-75.68%	-	-
Horiz. %	67.80%	33.35%	113.02%	79.40%	49.74%	24.32%	100.00%	-
PBT	2,068,272	1,005,182	4,170,784	2,948,642	1,909,352	890,550	3,528,753	-30.03%
YoY %	105.76%	-75.90%	41.45%	54.43%	114.40%	-74.76%	-	-
Horiz. %	58.61%	28.49%	118.19%	83.56%	54.11%	25.24%	100.00%	-
Tax	-495,944	-242,553	-1,458,763	-1,010,562	-672,517	-289,298	-905,621	-33.13%
YoY %	-104.47%	83.37%	-44.35%	-50.27%	-132.47%	68.06%	-	-
Horiz. %	54.76%	26.78%	161.08%	111.59%	74.26%	31.94%	100.00%	-
NP	1,572,328	762,629	2,712,021	1,938,080	1,236,835	601,252	2,623,132	-28.97%
YoY %	106.17%	-71.88%	39.93%	56.70%	105.71%	-77.08%	-	-
Horiz. %	59.94%	29.07%	103.39%	73.88%	47.15%	22.92%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	1,570,368	761,668	2,707,688	1,935,573	1,235,095	600,267	2,618,388	-28.94%
YoY %	106.17%	-71.87%	39.89%	56.71%	105.76%	-77.07%	-	-
Horiz. %	59.97%	29.09%	103.41%	73.92%	47.17%	22.93%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	23.98%	24.13%	34.98%	34.27%	35.22%	32.49%	25.66%	-
YoY %	-0.62%	-31.02%	2.07%	-2.70%	8.40%	26.62%	-	-
Horiz. %	93.45%	94.04%	136.32%	133.55%	137.26%	126.62%	100.00%	-
Total Cost	6,393,344	3,155,342	10,566,687	7,390,431	4,606,864	2,256,528	9,125,617	-21.16%
YoY %	102.62%	-70.14%	42.98%	60.42%	104.16%	-75.27%	-	-
Horiz. %	70.06%	34.58%	115.79%	80.99%	50.48%	24.73%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	29,907,515	29,884,096	28,619,247	28,044,431	27,051,673	28,067,858	27,806,567	4.98%
YoY %	0.08%	4.42%	2.05%	3.67%	-3.62%	0.94%	-	-
Horiz. %	107.56%	107.47%	102.92%	100.86%	97.29%	100.94%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Dividend
Div	640,125	-	1,693,271	631,811	623,147	-	1,645,821	-46.80%
YoY %	0.00%	-	168.00%	1.39%	0.00%	-	-	-
Horiz. %	38.89%	-	102.88%	38.39%	37.86%	-	100.00%	-
Div Payout %	40.76%	-	62.54%	32.64%	50.45%	-	62.86%	-
YoY %	0.00%	-	91.61%	-35.30%	0.00%	-	-	-
Horiz. %	64.84%	-	99.49%	51.92%	80.26%	-	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Equity
Net Worth	29,907,515	29,884,096	28,619,247	28,044,431	27,051,673	28,067,858	27,806,567	4.98%
YoY %	0.08%	4.42%	2.05%	3.67%	-3.62%	0.94%	-	-
Horiz. %	107.56%	107.47%	102.92%	100.86%	97.29%	100.94%	100.00%	-
NOSH	4,286,348	4,247,373	4,247,373	4,212,077	4,212,077	4,142,918	4,142,918	2.30%
YoY %	0.92%	0.00%	0.84%	0.00%	1.67%	0.00%	-	-
Horiz. %	103.46%	102.52%	102.52%	101.67%	101.67%	100.00%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Ratio Analysis
NP Margin	19.74%	19.46%	20.42%	20.78%	21.17%	21.04%	22.33%	-
YoY %	1.44%	-4.70%	-1.73%	-1.84%	0.62%	-5.78%	-	-
Horiz. %	88.40%	87.15%	91.45%	93.06%	94.81%	94.22%	100.00%	-
ROE	5.25%	2.55%	9.46%	6.90%	4.57%	2.14%	9.42%	-
YoY %	105.88%	-73.04%	37.10%	50.98%	113.55%	-77.28%	-	-
Horiz. %	55.73%	27.07%	100.42%	73.25%	48.51%	22.72%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Per Share
RPS	186.66	92.24	313.68	221.47	140.67	68.98	285.54	-24.73%
YoY %	102.36%	-70.59%	41.64%	57.44%	103.93%	-75.84%	-	-
Horiz. %	65.37%	32.30%	109.86%	77.56%	49.26%	24.16%	100.00%	-
EPS	36.88	17.93	64.69	46.42	29.77	14.49	64.65	-31.28%
YoY %	105.69%	-72.28%	39.36%	55.93%	105.45%	-77.59%	-	-
Horiz. %	57.05%	27.73%	100.06%	71.80%	46.05%	22.41%	100.00%	-
DPS	15.00	0.00	40.00	15.00	15.00	0.00	40.00	-48.09%
YoY %	0.00%	0.00%	166.67%	0.00%	0.00%	0.00%	-	-
Horiz. %	37.50%	0.00%	100.00%	37.50%	37.50%	0.00%	100.00%	-
NAPS	7.0082	7.0359	6.7607	6.6581	6.5117	6.7749	6.7581	2.45%
YoY %	-0.39%	4.07%	1.54%	2.25%	-3.88%	0.25%	-	-
Horiz. %	103.70%	104.11%	100.04%	98.52%	96.35%	100.25%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Adjusted Per Share Value based on latest NOSH - 4,212,077
RPS	182.72	89.87	304.59	213.98	134.05	65.55	269.50	-22.87%
YoY %	103.32%	-70.49%	42.35%	59.63%	104.50%	-75.68%	-	-
Horiz. %	67.80%	33.35%	113.02%	79.40%	49.74%	24.32%	100.00%	-
EPS	36.02	17.47	62.11	44.40	28.33	13.77	60.06	-28.94%
YoY %	106.18%	-71.87%	39.89%	56.72%	105.74%	-77.07%	-	-
Horiz. %	59.97%	29.09%	103.41%	73.93%	47.17%	22.93%	100.00%	-
DPS	14.68	0.00	38.84	14.49	14.29	0.00	37.75	-46.81%
YoY %	0.00%	0.00%	168.05%	1.40%	0.00%	0.00%	-	-
Horiz. %	38.89%	0.00%	102.89%	38.38%	37.85%	0.00%	100.00%	-
NAPS	6.8603	6.855	6.5648	6.433	6.2052	6.4383	6.3784	4.98%
YoY %	0.08%	4.42%	2.05%	3.67%	-3.62%	0.94%	-	-
Horiz. %	107.56%	107.47%	102.92%	100.86%	97.28%	100.94%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/06/23	31/03/23	30/12/22	30/09/22	30/06/22	31/03/22	31/12/21	-
Price	5.43	5.58	5.79	5.56	5.73	5.96	5.37	-
P/RPS	2.91	6.05	1.85	2.51	4.07	8.64	1.88	33.91%
YoY %	-51.90%	227.03%	-26.29%	-38.33%	-52.89%	359.57%	-	-
Horiz. %	154.79%	321.81%	98.40%	133.51%	216.49%	459.57%	100.00%	-
P/EPS	14.76	31.12	9.05	12.10	19.27	41.13	8.44	45.30%
YoY %	-52.57%	243.87%	-25.21%	-37.21%	-53.15%	387.32%	-	-
Horiz. %	174.88%	368.72%	107.23%	143.36%	228.32%	487.32%	100.00%	-
EY	6.78	3.21	11.05	8.26	5.19	2.43	11.85	-31.15%
YoY %	111.21%	-70.95%	33.78%	59.15%	113.58%	-79.49%	-	-
Horiz. %	57.22%	27.09%	93.25%	69.70%	43.80%	20.51%	100.00%	-
DY	2.76	0.00	6.91	2.70	2.62	0.00	7.45	-48.51%
YoY %	0.00%	0.00%	155.93%	3.05%	0.00%	0.00%	-	-
Horiz. %	37.05%	0.00%	92.75%	36.24%	35.17%	0.00%	100.00%	-
P/NAPS	0.77	0.79	0.86	0.84	0.88	0.88	0.79	-1.69%
YoY %	-2.53%	-8.14%	2.38%	-4.55%	0.00%	11.39%	-	-
Horiz. %	97.47%	100.00%	108.86%	106.33%	111.39%	111.39%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Price Multiplier on Announcement Date
Date	29/08/23	26/05/23	27/02/23	29/11/22	29/08/22	30/05/22	28/02/22	-
Price	5.70	5.45	5.60	5.67	5.81	5.91	5.80	-
P/RPS	3.05	5.91	1.79	2.56	4.13	8.57	2.03	31.27%
YoY %	-48.39%	230.17%	-30.08%	-38.01%	-51.81%	322.17%	-	-
Horiz. %	150.25%	291.13%	88.18%	126.11%	203.45%	422.17%	100.00%	-
P/EPS	15.49	30.39	8.75	12.34	19.54	40.79	9.11	42.59%
YoY %	-49.03%	247.31%	-29.09%	-36.85%	-52.10%	347.75%	-	-
Horiz. %	170.03%	333.59%	96.05%	135.46%	214.49%	447.75%	100.00%	-
EY	6.46	3.29	11.42	8.10	5.12	2.45	10.97	-29.81%
YoY %	96.35%	-71.19%	40.99%	58.20%	108.98%	-77.67%	-	-
Horiz. %	58.89%	29.99%	104.10%	73.84%	46.67%	22.33%	100.00%	-
DY	2.63	0.00	7.14	2.65	2.58	0.00	6.90	-47.52%
YoY %	0.00%	0.00%	169.43%	2.71%	0.00%	0.00%	-	-
Horiz. %	38.12%	0.00%	103.48%	38.41%	37.39%	0.00%	100.00%	-
P/NAPS	0.81	0.77	0.83	0.85	0.89	0.87	0.86	-3.92%
YoY %	5.19%	-7.23%	-2.35%	-4.49%	2.30%	1.16%	-	-
Horiz. %	94.19%	89.53%	96.51%	98.84%	103.49%	101.16%	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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