[RHBBANK] QoQ TTM Result on 31-Dec-2003

	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	30/06/03	31/03/03	CAGR
TTM Result
Revenue	3,672,259	3,615,658	3,641,808	3,642,436	3,523,159	3,435,841	3,266,199	8.10%
YoY %	1.57%	-0.72%	-0.02%	3.39%	2.54%	5.19%	-	-
Horiz. %	112.43%	110.70%	111.50%	111.52%	107.87%	105.19%	100.00%	-
PBT	529,998	529,498	507,915	500,713	489,390	433,132	368,475	27.33%
YoY %	0.09%	4.25%	1.44%	2.31%	12.99%	17.55%	-	-
Horiz. %	143.84%	143.70%	137.84%	135.89%	132.81%	117.55%	100.00%	-
Tax	-235,919	-228,280	-198,668	-216,124	-227,887	-182,532	-190,680	15.20%
YoY %	-3.35%	-14.91%	8.08%	5.16%	-24.85%	4.27%	-	-
Horiz. %	123.73%	119.72%	104.19%	113.34%	119.51%	95.73%	100.00%	-
NP	294,079	301,218	309,247	284,589	261,503	250,600	177,795	39.73%
YoY %	-2.37%	-2.60%	8.66%	8.83%	4.35%	40.95%	-	-
Horiz. %	165.40%	169.42%	173.93%	160.07%	147.08%	140.95%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	294,079	301,218	309,247	284,589	261,503	250,600	177,795	39.73%
YoY %	-2.37%	-2.60%	8.66%	8.83%	4.35%	40.95%	-	-
Horiz. %	165.40%	169.42%	173.93%	160.07%	147.08%	140.95%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	44.51%	43.11%	39.11%	43.16%	46.57%	42.14%	51.75%	-
YoY %	3.25%	10.23%	-9.38%	-7.32%	10.51%	-18.57%	-	-
Horiz. %	86.01%	83.30%	75.57%	83.40%	89.99%	81.43%	100.00%	-
Total Cost	3,378,180	3,314,440	3,332,561	3,357,847	3,261,656	3,185,241	3,088,404	6.14%
YoY %	1.92%	-0.54%	-0.75%	2.95%	2.40%	3.14%	-	-
Horiz. %	109.38%	107.32%	107.91%	108.72%	105.61%	103.14%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	2,915,105	2,896,785	2,820,999	2,835,836	2,745,219	2,698,725	2,600,308	7.89%
YoY %	0.63%	2.69%	-0.52%	3.30%	1.72%	3.78%	-	-
Horiz. %	112.11%	111.40%	108.49%	109.06%	105.57%	103.78%	100.00%	-

	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	30/06/03	31/03/03	CAGR
Dividend
Div	182,711	118,943	256,633	192,933	137,690	137,690	55,196	121.62%
YoY %	53.61%	-53.65%	33.02%	40.12%	0.00%	149.46%	-	-
Horiz. %	331.02%	215.49%	464.95%	349.54%	249.46%	249.46%	100.00%	-
Div Payout %	62.13%	39.49%	82.99%	67.79%	52.65%	54.94%	31.05%	-
YoY %	57.33%	-52.42%	22.42%	28.76%	-4.17%	76.94%	-	-
Horiz. %	200.10%	127.18%	267.28%	218.33%	169.57%	176.94%	100.00%	-

	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	30/06/03	31/03/03	CAGR
Equity
Net Worth	2,915,105	2,896,785	2,820,999	2,835,836	2,745,219	2,698,725	2,600,308	7.89%
YoY %	0.63%	2.69%	-0.52%	3.30%	1.72%	3.78%	-	-
Horiz. %	112.11%	111.40%	108.49%	109.06%	105.57%	103.78%	100.00%	-
NOSH	1,821,941	1,821,877	1,820,000	1,841,452	1,818,026	1,835,867	1,857,363	-1.27%
YoY %	0.00%	0.10%	-1.16%	1.29%	-0.97%	-1.16%	-	-
Horiz. %	98.09%	98.09%	97.99%	99.14%	97.88%	98.84%	100.00%	-

	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	30/06/03	31/03/03	CAGR
Ratio Analysis
NP Margin	8.01%	8.33%	8.49%	7.81%	7.42%	7.29%	5.44%	-
YoY %	-3.84%	-1.88%	8.71%	5.26%	1.78%	34.01%	-	-
Horiz. %	147.24%	153.12%	156.07%	143.57%	136.40%	134.01%	100.00%	-
ROE	10.09%	10.40%	10.96%	10.04%	9.53%	9.29%	6.84%	-
YoY %	-2.98%	-5.11%	9.16%	5.35%	2.58%	35.82%	-	-
Horiz. %	147.51%	152.05%	160.23%	146.78%	139.33%	135.82%	100.00%	-

	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	30/06/03	31/03/03	CAGR
Per Share
RPS	201.56	198.46	200.10	197.80	193.79	187.15	175.85	9.49%
YoY %	1.56%	-0.82%	1.16%	2.07%	3.55%	6.43%	-	-
Horiz. %	114.62%	112.86%	113.79%	112.48%	110.20%	106.43%	100.00%	-
EPS	16.14	16.53	16.99	15.45	14.38	13.65	9.57	41.55%
YoY %	-2.36%	-2.71%	9.97%	7.44%	5.35%	42.63%	-	-
Horiz. %	168.65%	172.73%	177.53%	161.44%	150.26%	142.63%	100.00%	-
DPS	10.00	6.50	14.00	10.50	7.57	7.50	2.97	124.14%
YoY %	53.85%	-53.57%	33.33%	38.71%	0.93%	152.53%	-	-
Horiz. %	336.70%	218.86%	471.38%	353.54%	254.88%	252.53%	100.00%	-
NAPS	1.60	1.59	1.55	1.54	1.51	1.47	1.40	9.28%
YoY %	0.63%	2.58%	0.65%	1.99%	2.72%	5.00%	-	-
Horiz. %	114.29%	113.57%	110.71%	110.00%	107.86%	105.00%	100.00%	-

	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	30/06/03	31/03/03	CAGR
Adjusted Per Share Value based on latest NOSH - 1,841,452
RPS	84.24	82.94	83.54	83.55	80.82	78.81	74.92	8.10%
YoY %	1.57%	-0.72%	-0.01%	3.38%	2.55%	5.19%	-	-
Horiz. %	112.44%	110.70%	111.51%	111.52%	107.88%	105.19%	100.00%	-
EPS	6.75	6.91	7.09	6.53	6.00	5.75	4.08	39.75%
YoY %	-2.32%	-2.54%	8.58%	8.83%	4.35%	40.93%	-	-
Horiz. %	165.44%	169.36%	173.77%	160.05%	147.06%	140.93%	100.00%	-
DPS	4.19	2.73	5.89	4.43	3.16	3.16	1.27	121.13%
YoY %	53.48%	-53.65%	32.96%	40.19%	0.00%	148.82%	-	-
Horiz. %	329.92%	214.96%	463.78%	348.82%	248.82%	248.82%	100.00%	-
NAPS	0.6687	0.6645	0.6471	0.6505	0.6297	0.619	0.5965	7.89%
YoY %	0.63%	2.69%	-0.52%	3.30%	1.73%	3.77%	-	-
Horiz. %	112.10%	111.40%	108.48%	109.05%	105.57%	103.77%	100.00%	-

	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	30/06/03	31/03/03	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	30/06/03	31/03/03	-
Price	2.06	1.87	2.27	2.08	1.83	1.69	1.36	-
P/RPS	1.02	0.94	1.13	1.05	0.94	0.90	0.77	20.55%
YoY %	8.51%	-16.81%	7.62%	11.70%	4.44%	16.88%	-	-
Horiz. %	132.47%	122.08%	146.75%	136.36%	122.08%	116.88%	100.00%	-
P/EPS	12.76	11.31	13.36	13.46	12.72	12.38	14.21	-6.90%
YoY %	12.82%	-15.34%	-0.74%	5.82%	2.75%	-12.88%	-	-
Horiz. %	89.80%	79.59%	94.02%	94.72%	89.51%	87.12%	100.00%	-
EY	7.84	8.84	7.49	7.43	7.86	8.08	7.04	7.41%
YoY %	-11.31%	18.02%	0.81%	-5.47%	-2.72%	14.77%	-	-
Horiz. %	111.36%	125.57%	106.39%	105.54%	111.65%	114.77%	100.00%	-
DY	4.85	3.48	6.17	5.05	4.14	4.44	2.19	69.65%
YoY %	39.37%	-43.60%	22.18%	21.98%	-6.76%	102.74%	-	-
Horiz. %	221.46%	158.90%	281.74%	230.59%	189.04%	202.74%	100.00%	-
P/NAPS	1.29	1.18	1.46	1.35	1.21	1.15	0.97	20.87%
YoY %	9.32%	-19.18%	8.15%	11.57%	5.22%	18.56%	-	-
Horiz. %	132.99%	121.65%	150.52%	139.18%	124.74%	118.56%	100.00%	-

	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	30/06/03	31/03/03	CAGR
Price Multiplier on Announcement Date
Date	19/11/04	27/08/04	27/05/04	26/02/04	19/11/03	28/08/03	30/05/03	-
Price	2.24	1.88	1.92	2.73	1.89	1.89	1.69	-
P/RPS	1.11	0.95	0.96	1.38	0.98	1.01	0.96	10.13%
YoY %	16.84%	-1.04%	-30.43%	40.82%	-2.97%	5.21%	-	-
Horiz. %	115.63%	98.96%	100.00%	143.75%	102.08%	105.21%	100.00%	-
P/EPS	13.88	11.37	11.30	17.66	13.14	13.85	17.65	-14.76%
YoY %	22.08%	0.62%	-36.01%	34.40%	-5.13%	-21.53%	-	-
Horiz. %	78.64%	64.42%	64.02%	100.06%	74.45%	78.47%	100.00%	-
EY	7.21	8.79	8.85	5.66	7.61	7.22	5.66	17.45%
YoY %	-17.97%	-0.68%	56.36%	-25.62%	5.40%	27.56%	-	-
Horiz. %	127.39%	155.30%	156.36%	100.00%	134.45%	127.56%	100.00%	-
DY	4.46	3.46	7.29	3.85	4.01	3.97	1.76	85.55%
YoY %	28.90%	-52.54%	89.35%	-3.99%	1.01%	125.57%	-	-
Horiz. %	253.41%	196.59%	414.20%	218.75%	227.84%	225.57%	100.00%	-
P/NAPS	1.40	1.18	1.24	1.77	1.25	1.29	1.21	10.18%
YoY %	18.64%	-4.84%	-29.94%	41.60%	-3.10%	6.61%	-	-
Horiz. %	115.70%	97.52%	102.48%	146.28%	103.31%	106.61%	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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