[RHBBANK] QoQ TTM Result on 30-Jun-2005 [#2]

	31/03/06	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	CAGR
TTM Result
Revenue	4,633,047	4,409,101	4,263,166	4,028,118	3,892,439	3,803,866	3,672,259	16.77%
YoY %	5.08%	3.42%	5.84%	3.49%	2.33%	3.58%	-	-
Horiz. %	126.16%	120.07%	116.09%	109.69%	106.00%	103.58%	100.00%	-
PBT	641,702	578,649	528,312	521,638	501,206	486,059	529,998	13.61%
YoY %	10.90%	9.53%	1.28%	4.08%	3.12%	-8.29%	-	-
Horiz. %	121.08%	109.18%	99.68%	98.42%	94.57%	91.71%	100.00%	-
Tax	-294,488	-262,871	-190,014	-200,525	-186,240	-175,278	-235,919	15.94%
YoY %	-12.03%	-38.34%	5.24%	-7.67%	-6.25%	25.70%	-	-
Horiz. %	124.83%	111.42%	80.54%	85.00%	78.94%	74.30%	100.00%	-
NP	347,214	315,778	338,298	321,113	314,966	310,781	294,079	11.72%
YoY %	9.96%	-6.66%	5.35%	1.95%	1.35%	5.68%	-	-
Horiz. %	118.07%	107.38%	115.04%	109.19%	107.10%	105.68%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	347,214	315,778	338,298	321,113	314,966	310,781	294,079	11.72%
YoY %	9.96%	-6.66%	5.35%	1.95%	1.35%	5.68%	-	-
Horiz. %	118.07%	107.38%	115.04%	109.19%	107.10%	105.68%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	45.89%	45.43%	35.97%	38.44%	37.16%	36.06%	44.51%	-
YoY %	1.01%	26.30%	-6.43%	3.44%	3.05%	-18.98%	-	-
Horiz. %	103.10%	102.07%	80.81%	86.36%	83.49%	81.02%	100.00%	-
Total Cost	4,285,833	4,093,323	3,924,868	3,707,005	3,577,473	3,493,085	3,378,180	17.20%
YoY %	4.70%	4.29%	5.88%	3.62%	2.42%	3.40%	-	-
Horiz. %	126.87%	121.17%	116.18%	109.73%	105.90%	103.40%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	4,634,096	5,538,447	3,257,252	3,174,516	3,136,725	3,020,227	2,915,105	36.24%
YoY %	-16.33%	70.03%	2.61%	1.20%	3.86%	3.61%	-	-
Horiz. %	158.97%	189.99%	111.74%	108.90%	107.60%	103.61%	100.00%	-

	31/03/06	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	CAGR
Dividend
Div	64,224	64,224	127,522	191,290	127,066	190,766	182,711	-50.22%
YoY %	0.00%	-49.64%	-33.34%	50.54%	-33.39%	4.41%	-	-
Horiz. %	35.15%	35.15%	69.79%	104.70%	69.54%	104.41%	100.00%	-
Div Payout %	18.50%	20.34%	37.70%	59.57%	40.34%	61.38%	62.13%	-
YoY %	-9.05%	-46.05%	-36.71%	47.67%	-34.28%	-1.21%	-	-
Horiz. %	29.78%	32.74%	60.68%	95.88%	64.93%	98.79%	100.00%	-

	31/03/06	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	CAGR
Equity
Net Worth	4,634,096	5,538,447	3,257,252	3,174,516	3,136,725	3,020,227	2,915,105	36.24%
YoY %	-16.33%	70.03%	2.61%	1.20%	3.86%	3.61%	-	-
Horiz. %	158.97%	189.99%	111.74%	108.90%	107.60%	103.61%	100.00%	-
NOSH	1,838,927	1,833,923	1,840,255	1,834,980	1,834,342	1,808,519	1,821,941	0.62%
YoY %	0.27%	-0.34%	0.29%	0.03%	1.43%	-0.74%	-	-
Horiz. %	100.93%	100.66%	101.01%	100.72%	100.68%	99.26%	100.00%	-

	31/03/06	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	CAGR
Ratio Analysis
NP Margin	7.49%	7.16%	7.94%	7.97%	8.09%	8.17%	8.01%	-
YoY %	4.61%	-9.82%	-0.38%	-1.48%	-0.98%	2.00%	-	-
Horiz. %	93.51%	89.39%	99.13%	99.50%	101.00%	102.00%	100.00%	-
ROE	7.49%	5.70%	10.39%	10.12%	10.04%	10.29%	10.09%	-
YoY %	31.40%	-45.14%	2.67%	0.80%	-2.43%	1.98%	-	-
Horiz. %	74.23%	56.49%	102.97%	100.30%	99.50%	101.98%	100.00%	-

	31/03/06	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	CAGR
Per Share
RPS	251.94	240.42	231.66	219.52	212.20	210.33	201.56	16.05%
YoY %	4.79%	3.78%	5.53%	3.45%	0.89%	4.35%	-	-
Horiz. %	125.00%	119.28%	114.93%	108.91%	105.28%	104.35%	100.00%	-
EPS	18.88	17.22	18.38	17.50	17.17	17.18	16.14	11.03%
YoY %	9.64%	-6.31%	5.03%	1.92%	-0.06%	6.44%	-	-
Horiz. %	116.98%	106.69%	113.88%	108.43%	106.38%	106.44%	100.00%	-
DPS	3.50	3.50	7.00	10.50	7.00	10.50	10.00	-50.36%
YoY %	0.00%	-50.00%	-33.33%	50.00%	-33.33%	5.00%	-	-
Horiz. %	35.00%	35.00%	70.00%	105.00%	70.00%	105.00%	100.00%	-
NAPS	2.52	3.02	1.77	1.73	1.71	1.67	1.60	35.40%
YoY %	-16.56%	70.62%	2.31%	1.17%	2.40%	4.37%	-	-
Horiz. %	157.50%	188.75%	110.62%	108.12%	106.87%	104.38%	100.00%	-

	31/03/06	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	CAGR
Adjusted Per Share Value based on latest NOSH - 1,834,980
RPS	106.27	101.14	97.79	92.40	89.29	87.25	84.24	16.76%
YoY %	5.07%	3.43%	5.83%	3.48%	2.34%	3.57%	-	-
Horiz. %	126.15%	120.06%	116.08%	109.69%	105.99%	103.57%	100.00%	-
EPS	7.96	7.24	7.76	7.37	7.22	7.13	6.75	11.63%
YoY %	9.94%	-6.70%	5.29%	2.08%	1.26%	5.63%	-	-
Horiz. %	117.93%	107.26%	114.96%	109.19%	106.96%	105.63%	100.00%	-
DPS	1.47	1.47	2.93	4.39	2.91	4.38	4.19	-50.28%
YoY %	0.00%	-49.83%	-33.26%	50.86%	-33.56%	4.53%	-	-
Horiz. %	35.08%	35.08%	69.93%	104.77%	69.45%	104.53%	100.00%	-
NAPS	1.063	1.2704	0.7472	0.7282	0.7195	0.6928	0.6687	36.24%
YoY %	-16.33%	70.02%	2.61%	1.21%	3.85%	3.60%	-	-
Horiz. %	158.97%	189.98%	111.74%	108.90%	107.60%	103.60%	100.00%	-

	31/03/06	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	CAGR
Price Multiplier on Financial Quarter End Date
Date	31/03/06	30/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	-
Price	2.43	2.21	2.47	2.10	2.30	2.34	2.06	-
P/RPS	0.96	0.92	1.07	0.96	1.08	1.11	1.02	-3.96%
YoY %	4.35%	-14.02%	11.46%	-11.11%	-2.70%	8.82%	-	-
Horiz. %	94.12%	90.20%	104.90%	94.12%	105.88%	108.82%	100.00%	-
P/EPS	12.87	12.83	13.44	12.00	13.40	13.62	12.76	0.57%
YoY %	0.31%	-4.54%	12.00%	-10.45%	-1.62%	6.74%	-	-
Horiz. %	100.86%	100.55%	105.33%	94.04%	105.02%	106.74%	100.00%	-
EY	7.77	7.79	7.44	8.33	7.47	7.34	7.84	-0.59%
YoY %	-0.26%	4.70%	-10.68%	11.51%	1.77%	-6.38%	-	-
Horiz. %	99.11%	99.36%	94.90%	106.25%	95.28%	93.62%	100.00%	-
DY	1.44	1.58	2.83	5.00	3.04	4.49	4.85	-55.52%
YoY %	-8.86%	-44.17%	-43.40%	64.47%	-32.29%	-7.42%	-	-
Horiz. %	29.69%	32.58%	58.35%	103.09%	62.68%	92.58%	100.00%	-
P/NAPS	0.96	0.73	1.40	1.21	1.35	1.40	1.29	-17.89%
YoY %	31.51%	-47.86%	15.70%	-10.37%	-3.57%	8.53%	-	-
Horiz. %	74.42%	56.59%	108.53%	93.80%	104.65%	108.53%	100.00%	-

	31/03/06	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	CAGR
Price Multiplier on Announcement Date
Date	22/05/06	28/02/06	21/11/05	30/08/05	25/05/05	28/02/05	19/11/04	-
Price	2.50	2.46	2.39	2.32	2.15	2.24	2.24	-
P/RPS	0.99	1.02	1.03	1.06	1.01	1.06	1.11	-7.35%
YoY %	-2.94%	-0.97%	-2.83%	4.95%	-4.72%	-4.50%	-	-
Horiz. %	89.19%	91.89%	92.79%	95.50%	90.99%	95.50%	100.00%	-
P/EPS	13.24	14.29	13.00	13.26	12.52	13.04	13.88	-3.10%
YoY %	-7.35%	9.92%	-1.96%	5.91%	-3.99%	-6.05%	-	-
Horiz. %	95.39%	102.95%	93.66%	95.53%	90.20%	93.95%	100.00%	-
EY	7.55	7.00	7.69	7.54	7.99	7.67	7.21	3.12%
YoY %	7.86%	-8.97%	1.99%	-5.63%	4.17%	6.38%	-	-
Horiz. %	104.72%	97.09%	106.66%	104.58%	110.82%	106.38%	100.00%	-
DY	1.40	1.42	2.93	4.53	3.26	4.69	4.46	-53.84%
YoY %	-1.41%	-51.54%	-35.32%	38.96%	-30.49%	5.16%	-	-
Horiz. %	31.39%	31.84%	65.70%	101.57%	73.09%	105.16%	100.00%	-
P/NAPS	0.99	0.81	1.35	1.34	1.26	1.34	1.40	-20.64%
YoY %	22.22%	-40.00%	0.75%	6.35%	-5.97%	-4.29%	-	-
Horiz. %	70.71%	57.86%	96.43%	95.71%	90.00%	95.71%	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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