[RHBBANK] QoQ Quarter Result on 31-Mar-2009 [#1]

	31/12/09	30/09/09	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	CAGR
Quarter Result
Revenue	1,390,838	1,338,943	1,338,919	1,356,746	1,509,498	1,494,123	1,498,764	-4.84%
YoY %	3.88%	0.00%	-1.31%	-10.12%	1.03%	-0.31%	-	-
Horiz. %	92.80%	89.34%	89.33%	90.52%	100.72%	99.69%	100.00%	-
PBT	377,116	446,246	400,061	314,997	261,954	488,732	361,886	2.77%
YoY %	-15.49%	11.54%	27.00%	20.25%	-46.40%	35.05%	-	-
Horiz. %	104.21%	123.31%	110.55%	87.04%	72.39%	135.05%	100.00%	-
Tax	-39,178	-109,606	-96,254	-84,776	-65,259	-130,137	-90,010	-42.47%
YoY %	64.26%	-13.87%	-13.54%	-29.91%	49.85%	-44.58%	-	-
Horiz. %	43.53%	121.77%	106.94%	94.19%	72.50%	144.58%	100.00%	-
NP	337,938	336,640	303,807	230,221	196,695	358,595	271,876	15.55%
YoY %	0.39%	10.81%	31.96%	17.04%	-45.15%	31.90%	-	-
Horiz. %	124.30%	123.82%	111.74%	84.68%	72.35%	131.90%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	336,384	334,809	301,529	228,641	196,899	358,344	271,069	15.43%
YoY %	0.47%	11.04%	31.88%	16.12%	-45.05%	32.20%	-	-
Horiz. %	124.10%	123.51%	111.24%	84.35%	72.64%	132.20%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	10.39%	24.56%	24.06%	26.91%	24.91%	26.63%	24.87%	-
YoY %	-57.70%	2.08%	-10.59%	8.03%	-6.46%	7.08%	-	-
Horiz. %	41.78%	98.75%	96.74%	108.20%	100.16%	107.08%	100.00%	-
Total Cost	1,052,900	1,002,303	1,035,112	1,126,525	1,312,803	1,135,528	1,226,888	-9.66%
YoY %	5.05%	-3.17%	-8.11%	-14.19%	15.61%	-7.45%	-	-
Horiz. %	85.82%	81.69%	84.37%	91.82%	107.00%	92.55%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	8,711,482	8,424,226	8,055,131	8,024,004	7,854,322	7,555,445	7,206,992	13.43%
YoY %	3.41%	4.58%	0.39%	2.16%	3.96%	4.83%	-	-
Horiz. %	120.88%	116.89%	111.77%	111.34%	108.98%	104.83%	100.00%	-

	31/12/09	30/09/09	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	CAGR
Dividend
Div	376,275	-	107,688	-	229,354	-	193,620	55.54%
YoY %	0.00%	-	0.00%	-	0.00%	-	-	-
Horiz. %	194.34%	-	55.62%	-	118.46%	-	100.00%	-
Div Payout %	111.86%	-	35.71%	-	116.48%	-	71.43%	-
YoY %	0.00%	-	0.00%	-	0.00%	-	-	-
Horiz. %	156.60%	-	49.99%	-	163.07%	-	100.00%	-

	31/12/09	30/09/09	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	CAGR
Equity
Net Worth	8,711,482	8,424,226	8,055,131	8,024,004	7,854,322	7,555,445	7,206,992	13.43%
YoY %	3.41%	4.58%	0.39%	2.16%	3.96%	4.83%	-	-
Horiz. %	120.88%	116.89%	111.77%	111.34%	108.98%	104.83%	100.00%	-
NOSH	2,156,307	2,160,058	2,153,778	2,156,990	2,163,725	2,158,698	2,151,341	0.15%
YoY %	-0.17%	0.29%	-0.15%	-0.31%	0.23%	0.34%	-	-
Horiz. %	100.23%	100.41%	100.11%	100.26%	100.58%	100.34%	100.00%	-

	31/12/09	30/09/09	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	CAGR
Ratio Analysis
NP Margin	24.30%	25.14%	22.69%	16.97%	13.03%	24.00%	18.14%	-
YoY %	-3.34%	10.80%	33.71%	30.24%	-45.71%	32.30%	-	-
Horiz. %	133.96%	138.59%	125.08%	93.55%	71.83%	132.30%	100.00%	-
ROE	3.86%	3.97%	3.74%	2.85%	2.51%	4.74%	3.76%	-
YoY %	-2.77%	6.15%	31.23%	13.55%	-47.05%	26.06%	-	-
Horiz. %	102.66%	105.59%	99.47%	75.80%	66.76%	126.06%	100.00%	-

	31/12/09	30/09/09	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	CAGR
Per Share
RPS	64.50	61.99	62.17	62.90	69.76	69.21	69.67	-4.99%
YoY %	4.05%	-0.29%	-1.16%	-9.83%	0.79%	-0.66%	-	-
Horiz. %	92.58%	88.98%	89.23%	90.28%	100.13%	99.34%	100.00%	-
EPS	15.60	15.50	14.00	10.60	9.10	16.60	12.60	15.25%
YoY %	0.65%	10.71%	32.08%	16.48%	-45.18%	31.75%	-	-
Horiz. %	123.81%	123.02%	111.11%	84.13%	72.22%	131.75%	100.00%	-
DPS	17.45	0.00	5.00	0.00	10.60	0.00	9.00	55.30%
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	193.89%	0.00%	55.56%	0.00%	117.78%	0.00%	100.00%	-
NAPS	4.04	3.90	3.74	3.72	3.63	3.50	3.35	13.25%
YoY %	3.59%	4.28%	0.54%	2.48%	3.71%	4.48%	-	-
Horiz. %	120.60%	116.42%	111.64%	111.04%	108.36%	104.48%	100.00%	-

	31/12/09	30/09/09	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	CAGR
Adjusted Per Share Value based on latest NOSH - 2,156,990
RPS	31.90	30.71	30.71	31.12	34.63	34.27	34.38	-4.85%
YoY %	3.87%	0.00%	-1.32%	-10.14%	1.05%	-0.32%	-	-
Horiz. %	92.79%	89.33%	89.33%	90.52%	100.73%	99.68%	100.00%	-
EPS	7.72	7.68	6.92	5.24	4.52	8.22	6.22	15.44%
YoY %	0.52%	10.98%	32.06%	15.93%	-45.01%	32.15%	-	-
Horiz. %	124.12%	123.47%	111.25%	84.24%	72.67%	132.15%	100.00%	-
DPS	8.63	0.00	2.47	0.00	5.26	0.00	4.44	55.55%
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	194.37%	0.00%	55.63%	0.00%	118.47%	0.00%	100.00%	-
NAPS	1.9983	1.9324	1.8477	1.8406	1.8017	1.7331	1.6532	13.43%
YoY %	3.41%	4.58%	0.39%	2.16%	3.96%	4.83%	-	-
Horiz. %	120.87%	116.89%	111.77%	111.34%	108.98%	104.83%	100.00%	-

	31/12/09	30/09/09	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	CAGR
Price Multiplier on Financial Quarter End Date
Date	31/12/09	30/09/09	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	-
Price	5.30	5.07	4.14	3.54	3.90	4.00	4.22	-
P/RPS	8.22	8.18	6.66	5.63	5.59	5.78	6.06	22.46%
YoY %	0.49%	22.82%	18.29%	0.72%	-3.29%	-4.62%	-	-
Horiz. %	135.64%	134.98%	109.90%	92.90%	92.24%	95.38%	100.00%	-
P/EPS	33.97	32.71	29.57	33.40	42.86	24.10	33.49	0.95%
YoY %	3.85%	10.62%	-11.47%	-22.07%	77.84%	-28.04%	-	-
Horiz. %	101.43%	97.67%	88.30%	99.73%	127.98%	71.96%	100.00%	-
EY	2.94	3.06	3.38	2.99	2.33	4.15	2.99	-1.11%
YoY %	-3.92%	-9.47%	13.04%	28.33%	-43.86%	38.80%	-	-
Horiz. %	98.33%	102.34%	113.04%	100.00%	77.93%	138.80%	100.00%	-
DY	3.29	0.00	1.21	0.00	2.72	0.00	2.13	33.51%
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	154.46%	0.00%	56.81%	0.00%	127.70%	0.00%	100.00%	-
P/NAPS	1.31	1.30	1.11	0.95	1.07	1.14	1.26	2.62%
YoY %	0.77%	17.12%	16.84%	-11.21%	-6.14%	-9.52%	-	-
Horiz. %	103.97%	103.17%	88.10%	75.40%	84.92%	90.48%	100.00%	-

	31/12/09	30/09/09	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	CAGR
Price Multiplier on Announcement Date
Date	25/02/10	18/11/09	24/08/09	19/05/09	24/02/09	24/11/08	29/08/08	-
Price	5.28	5.47	4.60	4.12	3.74	3.64	4.18	-
P/RPS	8.19	8.82	7.40	6.55	5.36	5.26	6.00	22.98%
YoY %	-7.14%	19.19%	12.98%	22.20%	1.90%	-12.33%	-	-
Horiz. %	136.50%	147.00%	123.33%	109.17%	89.33%	87.67%	100.00%	-
P/EPS	33.85	35.29	32.86	38.87	41.10	21.93	33.17	1.35%
YoY %	-4.08%	7.40%	-15.46%	-5.43%	87.41%	-33.89%	-	-
Horiz. %	102.05%	106.39%	99.07%	117.18%	123.91%	66.11%	100.00%	-
EY	2.95	2.83	3.04	2.57	2.43	4.56	3.01	-1.32%
YoY %	4.24%	-6.91%	18.29%	5.76%	-46.71%	51.50%	-	-
Horiz. %	98.01%	94.02%	101.00%	85.38%	80.73%	151.50%	100.00%	-
DY	3.30	0.00	1.09	0.00	2.83	0.00	2.15	32.95%
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	153.49%	0.00%	50.70%	0.00%	131.63%	0.00%	100.00%	-
P/NAPS	1.31	1.40	1.23	1.11	1.03	1.04	1.25	3.16%
YoY %	-6.43%	13.82%	10.81%	7.77%	-0.96%	-16.80%	-	-
Horiz. %	104.80%	112.00%	98.40%	88.80%	82.40%	83.20%	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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