[PBBANK] QoQ Quarter Result on 31-Dec-2013 [#4]

	30/09/14	30/06/14	31/03/14	31/12/13	30/09/13	30/06/13	31/03/13	CAGR
Quarter Result
Revenue	4,324,008	4,059,101	3,948,377	3,918,673	3,869,542	3,802,871	3,673,214	11.47%
YoY %	6.53%	2.80%	0.76%	1.27%	1.75%	3.53%	-	-
Horiz. %	117.72%	110.51%	107.49%	106.68%	105.34%	103.53%	100.00%	-
PBT	1,552,183	1,367,694	1,327,100	1,341,286	1,358,164	1,340,558	1,269,976	14.29%
YoY %	13.49%	3.06%	-1.06%	-1.24%	1.31%	5.56%	-	-
Horiz. %	122.22%	107.69%	104.50%	105.62%	106.94%	105.56%	100.00%	-
Tax	-350,049	-299,862	-300,067	-306,215	-300,802	-306,273	-291,052	13.08%
YoY %	-16.74%	0.07%	2.01%	-1.80%	1.79%	-5.23%	-	-
Horiz. %	120.27%	103.03%	103.10%	105.21%	103.35%	105.23%	100.00%	-
NP	1,202,134	1,067,832	1,027,033	1,035,071	1,057,362	1,034,285	978,924	14.66%
YoY %	12.58%	3.97%	-0.78%	-2.11%	2.23%	5.66%	-	-
Horiz. %	122.80%	109.08%	104.91%	105.74%	108.01%	105.66%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	1,191,521	1,056,396	1,016,932	1,025,617	1,047,260	1,023,505	968,301	14.81%
YoY %	12.79%	3.88%	-0.85%	-2.07%	2.32%	5.70%	-	-
Horiz. %	123.05%	109.10%	105.02%	105.92%	108.15%	105.70%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	22.55%	21.92%	22.61%	22.83%	22.15%	22.85%	22.92%	-
YoY %	2.87%	-3.05%	-0.96%	3.07%	-3.06%	-0.31%	-	-
Horiz. %	98.39%	95.64%	98.65%	99.61%	96.64%	99.69%	100.00%	-
Total Cost	3,121,874	2,991,269	2,921,344	2,883,602	2,812,180	2,768,586	2,694,290	10.30%
YoY %	4.37%	2.39%	1.31%	2.54%	1.57%	2.76%	-	-
Horiz. %	115.87%	111.02%	108.43%	107.03%	104.38%	102.76%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	25,887,612	21,434,750	20,387,314	20,420,597	19,277,640	18,982,988	17,933,004	27.70%
YoY %	20.77%	5.14%	-0.16%	5.93%	1.55%	5.86%	-	-
Horiz. %	144.36%	119.53%	113.69%	113.87%	107.50%	105.86%	100.00%	-

	30/09/14	30/06/14	31/03/14	31/12/13	30/09/13	30/06/13	31/03/13	CAGR
Dividend
Div	-	805,607	-	1,050,478	-	770,342	-	-
YoY %	-	0.00%	-	0.00%	-	0.00%	-	-
Horiz. %	-	104.58%	-	136.37%	-	100.00%	-	-
Div Payout %	-	76.26%	-	102.42%	-	75.27%	-	-
YoY %	-	0.00%	-	0.00%	-	0.00%	-	-
Horiz. %	-	101.32%	-	136.07%	-	100.00%	-	-

	30/09/14	30/06/14	31/03/14	31/12/13	30/09/13	30/06/13	31/03/13	CAGR
Equity
Net Worth	25,887,612	21,434,750	20,387,314	20,420,597	19,277,640	18,982,988	17,933,004	27.70%
YoY %	20.77%	5.14%	-0.16%	5.93%	1.55%	5.86%	-	-
Horiz. %	144.36%	119.53%	113.69%	113.87%	107.50%	105.86%	100.00%	-
NOSH	3,882,138	3,502,639	3,501,831	3,501,594	3,502,541	3,501,556	3,501,992	7.10%
YoY %	10.83%	0.02%	0.01%	-0.03%	0.03%	-0.01%	-	-
Horiz. %	110.86%	100.02%	100.00%	99.99%	100.02%	99.99%	100.00%	-

	30/09/14	30/06/14	31/03/14	31/12/13	30/09/13	30/06/13	31/03/13	CAGR
Ratio Analysis
NP Margin	27.80%	26.31%	26.01%	26.41%	27.33%	27.20%	26.65%	-
YoY %	5.66%	1.15%	-1.51%	-3.37%	0.48%	2.06%	-	-
Horiz. %	104.32%	98.72%	97.60%	99.10%	102.55%	102.06%	100.00%	-
ROE	4.60%	4.93%	4.99%	5.02%	5.43%	5.39%	5.40%	-
YoY %	-6.69%	-1.20%	-0.60%	-7.55%	0.74%	-0.19%	-	-
Horiz. %	85.19%	91.30%	92.41%	92.96%	100.56%	99.81%	100.00%	-

	30/09/14	30/06/14	31/03/14	31/12/13	30/09/13	30/06/13	31/03/13	CAGR
Per Share
RPS	115.70	115.89	112.75	111.91	110.48	108.61	104.89	6.75%
YoY %	-0.16%	2.78%	0.75%	1.29%	1.72%	3.55%	-	-
Horiz. %	110.31%	110.49%	107.49%	106.69%	105.33%	103.55%	100.00%	-
EPS	31.88	30.16	29.04	29.29	29.90	29.23	27.65	9.94%
YoY %	5.70%	3.86%	-0.85%	-2.04%	2.29%	5.71%	-	-
Horiz. %	115.30%	109.08%	105.03%	105.93%	108.14%	105.71%	100.00%	-
DPS	0.00	23.00	0.00	30.00	0.00	22.00	0.00	-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	0.00%	104.55%	0.00%	136.36%	0.00%	100.00%	-	-
NAPS	6.9269	6.1196	5.8219	5.8318	5.5039	5.4213	5.1208	22.28%
YoY %	13.19%	5.11%	-0.17%	5.96%	1.52%	5.87%	-	-
Horiz. %	135.27%	119.50%	113.69%	113.88%	107.48%	105.87%	100.00%	-

	30/09/14	30/06/14	31/03/14	31/12/13	30/09/13	30/06/13	31/03/13	CAGR
Adjusted Per Share Value based on latest NOSH - 3,501,594
RPS	22.28	20.91	20.34	20.19	19.94	19.59	18.92	11.50%
YoY %	6.55%	2.80%	0.74%	1.25%	1.79%	3.54%	-	-
Horiz. %	117.76%	110.52%	107.51%	106.71%	105.39%	103.54%	100.00%	-
EPS	6.14	5.44	5.24	5.28	5.40	5.27	4.99	14.81%
YoY %	12.87%	3.82%	-0.76%	-2.22%	2.47%	5.61%	-	-
Horiz. %	123.05%	109.02%	105.01%	105.81%	108.22%	105.61%	100.00%	-
DPS	0.00	4.15	0.00	5.41	0.00	3.97	0.00	-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	0.00%	104.53%	0.00%	136.27%	0.00%	100.00%	-	-
NAPS	1.3337	1.1043	1.0503	1.052	0.9931	0.978	0.9239	27.70%
YoY %	20.77%	5.14%	-0.16%	5.93%	1.54%	5.86%	-	-
Horiz. %	144.36%	119.53%	113.68%	113.87%	107.49%	105.86%	100.00%	-

	30/09/14	30/06/14	31/03/14	31/12/13	30/09/13	30/06/13	31/03/13	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/14	30/06/14	31/03/14	31/12/13	30/09/13	28/06/13	29/03/13	-
Price	18.90	19.58	19.16	19.40	17.74	16.94	16.26	-
P/RPS	16.34	16.90	16.99	17.34	16.06	15.60	15.50	3.57%
YoY %	-3.31%	-0.53%	-2.02%	7.97%	2.95%	0.65%	-	-
Horiz. %	105.42%	109.03%	109.61%	111.87%	103.61%	100.65%	100.00%	-
P/EPS	59.28	64.92	65.98	66.23	59.33	57.95	58.81	0.53%
YoY %	-8.69%	-1.61%	-0.38%	11.63%	2.38%	-1.46%	-	-
Horiz. %	100.80%	110.39%	112.19%	112.62%	100.88%	98.54%	100.00%	-
EY	1.69	1.54	1.52	1.51	1.69	1.73	1.70	-0.39%
YoY %	9.74%	1.32%	0.66%	-10.65%	-2.31%	1.76%	-	-
Horiz. %	99.41%	90.59%	89.41%	88.82%	99.41%	101.76%	100.00%	-
DY	0.00	1.17	0.00	1.55	0.00	1.30	0.00	-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	0.00%	90.00%	0.00%	119.23%	0.00%	100.00%	-	-
P/NAPS	2.73	3.20	3.29	3.33	3.22	3.12	3.18	-9.66%
YoY %	-14.69%	-2.74%	-1.20%	3.42%	3.21%	-1.89%	-	-
Horiz. %	85.85%	100.63%	103.46%	104.72%	101.26%	98.11%	100.00%	-

	30/09/14	30/06/14	31/03/14	31/12/13	30/09/13	30/06/13	31/03/13	CAGR
Price Multiplier on Announcement Date
Date	23/10/14	24/07/14	21/04/14	05/02/14	22/10/13	23/07/13	23/04/13	-
Price	18.62	20.00	20.20	19.06	18.50	17.10	16.34	-
P/RPS	16.09	17.26	17.92	17.03	16.75	15.75	15.58	2.16%
YoY %	-6.78%	-3.68%	5.23%	1.67%	6.35%	1.09%	-	-
Horiz. %	103.27%	110.78%	115.02%	109.31%	107.51%	101.09%	100.00%	-
P/EPS	58.40	66.31	69.56	65.07	61.87	58.50	59.10	-0.79%
YoY %	-11.93%	-4.67%	6.90%	5.17%	5.76%	-1.02%	-	-
Horiz. %	98.82%	112.20%	117.70%	110.10%	104.69%	98.98%	100.00%	-
EY	1.71	1.51	1.44	1.54	1.62	1.71	1.69	0.78%
YoY %	13.25%	4.86%	-6.49%	-4.94%	-5.26%	1.18%	-	-
Horiz. %	101.18%	89.35%	85.21%	91.12%	95.86%	101.18%	100.00%	-
DY	0.00	1.15	0.00	1.57	0.00	1.29	0.00	-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	0.00%	89.15%	0.00%	121.71%	0.00%	100.00%	-	-
P/NAPS	2.69	3.27	3.47	3.27	3.36	3.15	3.19	-10.73%
YoY %	-17.74%	-5.76%	6.12%	-2.68%	6.67%	-1.25%	-	-
Horiz. %	84.33%	102.51%	108.78%	102.51%	105.33%	98.75%	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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