[RHBBANK] QoQ TTM 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
TTM Result
Revenue	15,400,681	14,338,899	13,278,708	12,220,295	11,761,921	11,701,853	11,749,107	19.83%
YoY %	7.40%	7.98%	8.66%	3.90%	0.51%	-0.40%	-	-
Horiz. %	131.08%	122.04%	113.02%	104.01%	100.11%	99.60%	100.00%	-
PBT	4,329,704	4,285,416	4,170,784	3,871,199	3,660,709	3,555,348	3,528,753	14.65%
YoY %	1.03%	2.75%	7.74%	5.75%	2.96%	0.75%	-	-
Horiz. %	122.70%	121.44%	118.19%	109.70%	103.74%	100.75%	100.00%	-
Tax	-1,282,190	-1,412,018	-1,458,763	-1,301,858	-1,154,832	-981,592	-905,621	26.16%
YoY %	9.19%	3.20%	-12.05%	-12.73%	-17.65%	-8.39%	-	-
Horiz. %	141.58%	155.92%	161.08%	143.75%	127.52%	108.39%	100.00%	-
NP	3,047,514	2,873,398	2,712,021	2,569,341	2,505,877	2,573,756	2,623,132	10.54%
YoY %	6.06%	5.95%	5.55%	2.53%	-2.64%	-1.88%	-	-
Horiz. %	116.18%	109.54%	103.39%	97.95%	95.53%	98.12%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	3,042,961	2,869,089	2,707,688	2,566,738	2,501,852	2,568,367	2,618,388	10.56%
YoY %	6.06%	5.96%	5.49%	2.59%	-2.59%	-1.91%	-	-
Horiz. %	116.22%	109.57%	103.41%	98.03%	95.55%	98.09%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	29.61%	32.95%	34.98%	33.63%	31.55%	27.61%	25.66%	-
YoY %	-10.14%	-5.80%	4.01%	6.59%	14.27%	7.60%	-	-
Horiz. %	115.39%	128.41%	136.32%	131.06%	122.95%	107.60%	100.00%	-
Total Cost	12,353,167	11,465,501	10,566,687	9,650,954	9,256,044	9,128,097	9,125,975	22.43%
YoY %	7.74%	8.51%	9.49%	4.27%	1.40%	0.02%	-	-
Horiz. %	135.36%	125.64%	115.79%	105.75%	101.43%	100.02%	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	1,698,419	1,681,442	1,681,442	1,651,786	1,651,786	1,630,145	1,630,145	2.78%
YoY %	1.01%	0.00%	1.80%	0.00%	1.33%	0.00%	-	-
Horiz. %	104.19%	103.15%	103.15%	101.33%	101.33%	100.00%	100.00%	-
Div Payout %	55.81%	58.61%	62.10%	64.35%	66.02%	63.47%	62.26%	-
YoY %	-4.78%	-5.62%	-3.50%	-2.53%	4.02%	1.94%	-	-
Horiz. %	89.64%	94.14%	99.74%	103.36%	106.04%	101.94%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
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	19.79%	20.04%	20.42%	21.03%	21.30%	21.99%	22.33%	-
YoY %	-1.25%	-1.86%	-2.90%	-1.27%	-3.14%	-1.52%	-	-
Horiz. %	88.63%	89.74%	91.45%	94.18%	95.39%	98.48%	100.00%	-
ROE	10.17%	9.60%	9.46%	9.15%	9.25%	9.15%	9.42%	-
YoY %	5.94%	1.48%	3.39%	-1.08%	1.09%	-2.87%	-	-
Horiz. %	107.96%	101.91%	100.42%	97.13%	98.20%	97.13%	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	360.88	337.59	313.68	290.13	283.13	282.45	285.55	16.94%
YoY %	6.90%	7.62%	8.12%	2.47%	0.24%	-1.09%	-	-
Horiz. %	126.38%	118.22%	109.85%	101.60%	99.15%	98.91%	100.00%	-
EPS	71.31	67.55	63.96	60.94	60.22	61.99	63.64	7.90%
YoY %	5.57%	5.61%	4.96%	1.20%	-2.86%	-2.59%	-	-
Horiz. %	112.05%	106.14%	100.50%	95.76%	94.63%	97.41%	100.00%	-
DPS	40.00	39.59	39.72	39.22	39.76	39.35	39.62	0.64%
YoY %	1.04%	-0.33%	1.27%	-1.36%	1.04%	-0.68%	-	-
Horiz. %	100.96%	99.92%	100.25%	98.99%	100.35%	99.32%	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	353.27	328.91	304.59	280.31	269.80	268.42	269.51	19.83%
YoY %	7.41%	7.98%	8.66%	3.90%	0.51%	-0.40%	-	-
Horiz. %	131.08%	122.04%	113.02%	104.01%	100.11%	99.60%	100.00%	-
EPS	69.80	65.81	62.11	58.88	57.39	58.91	60.06	10.56%
YoY %	6.06%	5.96%	5.49%	2.60%	-2.58%	-1.91%	-	-
Horiz. %	116.22%	109.57%	103.41%	98.04%	95.55%	98.09%	100.00%	-
DPS	38.96	38.57	38.57	37.89	37.89	37.39	37.39	2.78%
YoY %	1.01%	0.00%	1.79%	0.00%	1.34%	0.00%	-	-
Horiz. %	104.20%	103.16%	103.16%	101.34%	101.34%	100.00%	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	1.50	1.65	1.85	1.92	2.02	2.11	1.88	-14.01%
YoY %	-9.09%	-10.81%	-3.65%	-4.95%	-4.27%	12.23%	-	-
Horiz. %	79.79%	87.77%	98.40%	102.13%	107.45%	112.23%	100.00%	-
P/EPS	7.62	8.26	9.05	9.12	9.51	9.61	8.44	-6.60%
YoY %	-7.75%	-8.73%	-0.77%	-4.10%	-1.04%	13.86%	-	-
Horiz. %	90.28%	97.87%	107.23%	108.06%	112.68%	113.86%	100.00%	-
EY	13.13	12.11	11.05	10.96	10.51	10.40	11.85	7.09%
YoY %	8.42%	9.59%	0.82%	4.28%	1.06%	-12.24%	-	-
Horiz. %	110.80%	102.19%	93.25%	92.49%	88.69%	87.76%	100.00%	-
DY	7.37	7.09	6.86	7.05	6.94	6.60	7.38	-0.09%
YoY %	3.95%	3.35%	-2.70%	1.59%	5.15%	-10.57%	-	-
Horiz. %	99.86%	96.07%	92.95%	95.53%	94.04%	89.43%	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	5.46	5.61	5.67	5.81	5.91	5.90	-
P/RPS	1.58	1.62	1.79	1.95	2.05	2.09	2.07	-16.52%
YoY %	-2.47%	-9.50%	-8.21%	-4.88%	-1.91%	0.97%	-	-
Horiz. %	76.33%	78.26%	86.47%	94.20%	99.03%	100.97%	100.00%	-
P/EPS	7.99	8.08	8.77	9.30	9.65	9.53	9.27	-9.45%
YoY %	-1.11%	-7.87%	-5.70%	-3.63%	1.26%	2.80%	-	-
Horiz. %	86.19%	87.16%	94.61%	100.32%	104.10%	102.80%	100.00%	-
EY	12.51	12.37	11.40	10.75	10.37	10.49	10.79	10.39%
YoY %	1.13%	8.51%	6.05%	3.66%	-1.14%	-2.78%	-	-
Horiz. %	115.94%	114.64%	105.65%	99.63%	96.11%	97.22%	100.00%	-
DY	7.02	7.25	7.08	6.92	6.84	6.66	6.72	2.96%
YoY %	-3.17%	2.40%	2.31%	1.17%	2.70%	-0.89%	-	-
Horiz. %	104.46%	107.89%	105.36%	102.98%	101.79%	99.11%	100.00%	-
P/NAPS	0.81	0.78	0.83	0.85	0.89	0.87	0.87	-4.66%
YoY %	3.85%	-6.02%	-2.35%	-4.49%	2.30%	0.00%	-	-
Horiz. %	93.10%	89.66%	95.40%	97.70%	102.30%	100.00%	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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