[RHBBANK] QoQ TTM Result on 31-Dec-2020 [#4]

	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	CAGR
TTM Result
Revenue	11,938,344	11,921,562	12,268,161	12,593,365	12,937,281	13,265,254	13,410,156	-7.45%
YoY %	0.14%	-2.83%	-2.58%	-2.66%	-2.47%	-1.08%	-	-
Horiz. %	89.02%	88.90%	91.48%	93.91%	96.47%	98.92%	100.00%	-
PBT	3,180,403	3,188,424	2,789,224	2,677,533	2,955,120	2,952,265	3,279,537	-2.02%
YoY %	-0.25%	14.31%	4.17%	-9.39%	0.10%	-9.98%	-	-
Horiz. %	96.98%	97.22%	85.05%	81.64%	90.11%	90.02%	100.00%	-
Tax	-749,191	-771,017	-671,604	-638,381	-732,532	-736,848	-850,635	-8.11%
YoY %	2.83%	-14.80%	-5.20%	12.85%	0.59%	13.38%	-	-
Horiz. %	88.07%	90.64%	78.95%	75.05%	86.12%	86.62%	100.00%	-
NP	2,431,212	2,417,407	2,117,620	2,039,152	2,222,588	2,215,417	2,428,902	0.06%
YoY %	0.57%	14.16%	3.85%	-8.25%	0.32%	-8.79%	-	-
Horiz. %	100.10%	99.53%	87.18%	83.95%	91.51%	91.21%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,425,854	2,412,511	2,111,938	2,032,530	2,214,907	2,208,486	2,423,126	0.07%
YoY %	0.55%	14.23%	3.91%	-8.23%	0.29%	-8.86%	-	-
Horiz. %	100.11%	99.56%	87.16%	83.88%	91.41%	91.14%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	23.56%	24.18%	24.08%	23.84%	24.79%	24.96%	25.94%	-
YoY %	-2.56%	0.42%	1.01%	-3.83%	-0.68%	-3.78%	-	-
Horiz. %	90.82%	93.22%	92.83%	91.90%	95.57%	96.22%	100.00%	-
Total Cost	9,507,132	9,504,155	10,150,541	10,554,213	10,714,693	11,049,837	10,981,254	-9.15%
YoY %	0.03%	-6.37%	-3.82%	-1.50%	-3.03%	0.62%	-	-
Horiz. %	86.58%	86.55%	92.44%	96.11%	97.57%	100.62%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	27,827,307	27,520,536	26,666,799	27,027,702	27,308,406	26,546,497	26,065,292	4.45%
YoY %	1.11%	3.20%	-1.34%	-1.03%	2.87%	1.85%	-	-
Horiz. %	106.76%	105.58%	102.31%	103.69%	104.77%	101.85%	100.00%	-

	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	CAGR
Dividend
Div	1,309,279	1,309,279	707,772	707,772	741,858	741,858	1,243,113	3.51%
YoY %	0.00%	84.99%	0.00%	-4.59%	0.00%	-40.32%	-	-
Horiz. %	105.32%	105.32%	56.94%	56.94%	59.68%	59.68%	100.00%	-
Div Payout %	53.97%	54.27%	33.51%	34.82%	33.49%	33.59%	51.30%	-
YoY %	-0.55%	61.95%	-3.76%	3.97%	-0.30%	-34.52%	-	-
Horiz. %	105.20%	105.79%	65.32%	67.88%	65.28%	65.48%	100.00%	-

	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	CAGR
Equity
Net Worth	27,827,307	27,520,536	26,666,799	27,027,702	27,308,406	26,546,497	26,065,292	4.45%
YoY %	1.11%	3.20%	-1.34%	-1.03%	2.87%	1.85%	-	-
Horiz. %	106.76%	105.58%	102.31%	103.69%	104.77%	101.85%	100.00%	-
NOSH	4,068,360	4,010,045	4,010,045	4,010,045	4,010,045	4,010,045	4,010,045	0.96%
YoY %	1.45%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	101.45%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	-

	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	CAGR
Ratio Analysis
NP Margin	20.36%	20.28%	17.26%	16.19%	17.18%	16.70%	18.11%	-
YoY %	0.39%	17.50%	6.61%	-5.76%	2.87%	-7.79%	-	-
Horiz. %	112.42%	111.98%	95.31%	89.40%	94.86%	92.21%	100.00%	-
ROE	8.72%	8.77%	7.92%	7.52%	8.11%	8.32%	9.30%	-
YoY %	-0.57%	10.73%	5.32%	-7.27%	-2.52%	-10.54%	-	-
Horiz. %	93.76%	94.30%	85.16%	80.86%	87.20%	89.46%	100.00%	-

	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	CAGR
Per Share
RPS	293.76	297.29	305.94	314.05	322.62	330.80	334.41	-8.27%
YoY %	-1.19%	-2.83%	-2.58%	-2.66%	-2.47%	-1.08%	-	-
Horiz. %	87.84%	88.90%	91.49%	93.91%	96.47%	98.92%	100.00%	-
EPS	59.69	60.16	52.67	50.69	55.23	55.07	60.43	-0.81%
YoY %	-0.78%	14.22%	3.91%	-8.22%	0.29%	-8.87%	-	-
Horiz. %	98.78%	99.55%	87.16%	83.88%	91.40%	91.13%	100.00%	-
DPS	32.65	32.65	17.65	17.65	18.50	18.50	31.00	3.51%
YoY %	0.00%	84.99%	0.00%	-4.59%	0.00%	-40.32%	-	-
Horiz. %	105.32%	105.32%	56.94%	56.94%	59.68%	59.68%	100.00%	-
NAPS	6.8474	6.8629	6.65	6.74	6.81	6.62	6.50	3.52%
YoY %	-0.23%	3.20%	-1.34%	-1.03%	2.87%	1.85%	-	-
Horiz. %	105.34%	105.58%	102.31%	103.69%	104.77%	101.85%	100.00%	-

	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	CAGR
Adjusted Per Share Value based on latest NOSH - 4,010,045
RPS	273.82	273.43	281.38	288.84	296.73	304.25	307.57	-7.44%
YoY %	0.14%	-2.83%	-2.58%	-2.66%	-2.47%	-1.08%	-	-
Horiz. %	89.03%	88.90%	91.48%	93.91%	96.48%	98.92%	100.00%	-
EPS	55.64	55.33	48.44	46.62	50.80	50.65	55.58	0.07%
YoY %	0.56%	14.22%	3.90%	-8.23%	0.30%	-8.87%	-	-
Horiz. %	100.11%	99.55%	87.15%	83.88%	91.40%	91.13%	100.00%	-
DPS	30.03	30.03	16.23	16.23	17.02	17.02	28.51	3.52%
YoY %	0.00%	85.03%	0.00%	-4.64%	0.00%	-40.30%	-	-
Horiz. %	105.33%	105.33%	56.93%	56.93%	59.70%	59.70%	100.00%	-
NAPS	6.3824	6.3121	6.1163	6.1991	6.2634	6.0887	5.9783	4.45%
YoY %	1.11%	3.20%	-1.34%	-1.03%	2.87%	1.85%	-	-
Horiz. %	106.76%	105.58%	102.31%	103.69%	104.77%	101.85%	100.00%	-

	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	-
Price	5.46	5.40	5.37	5.45	4.57	4.79	4.69	-
P/RPS	1.86	1.82	1.76	1.74	1.42	1.45	1.40	20.83%
YoY %	2.20%	3.41%	1.15%	22.54%	-2.07%	3.57%	-	-
Horiz. %	132.86%	130.00%	125.71%	124.29%	101.43%	103.57%	100.00%	-
P/EPS	9.15	8.98	10.20	10.75	8.27	8.70	7.76	11.59%
YoY %	1.89%	-11.96%	-5.12%	29.99%	-4.94%	12.11%	-	-
Horiz. %	117.91%	115.72%	131.44%	138.53%	106.57%	112.11%	100.00%	-
EY	10.93	11.14	9.81	9.30	12.09	11.50	12.88	-10.35%
YoY %	-1.89%	13.56%	5.48%	-23.08%	5.13%	-10.71%	-	-
Horiz. %	84.86%	86.49%	76.16%	72.20%	93.87%	89.29%	100.00%	-
DY	5.98	6.05	3.29	3.24	4.05	3.86	6.61	-6.45%
YoY %	-1.16%	83.89%	1.54%	-20.00%	4.92%	-41.60%	-	-
Horiz. %	90.47%	91.53%	49.77%	49.02%	61.27%	58.40%	100.00%	-
P/NAPS	0.80	0.79	0.81	0.81	0.67	0.72	0.72	7.26%
YoY %	1.27%	-2.47%	0.00%	20.90%	-6.94%	0.00%	-	-
Horiz. %	111.11%	109.72%	112.50%	112.50%	93.06%	100.00%	100.00%	-

	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	CAGR
Price Multiplier on Announcement Date
Date	30/11/21	27/08/21	27/05/21	26/02/21	30/11/20	28/08/20	29/05/20	-
Price	5.28	5.51	5.15	5.42	5.15	4.58	4.77	-
P/RPS	1.80	1.85	1.68	1.73	1.60	1.38	1.43	16.56%
YoY %	-2.70%	10.12%	-2.89%	8.12%	15.94%	-3.50%	-	-
Horiz. %	125.87%	129.37%	117.48%	120.98%	111.89%	96.50%	100.00%	-
P/EPS	8.85	9.16	9.78	10.69	9.32	8.32	7.89	7.94%
YoY %	-3.38%	-6.34%	-8.51%	14.70%	12.02%	5.45%	-	-
Horiz. %	112.17%	116.10%	123.95%	135.49%	118.12%	105.45%	100.00%	-
EY	11.31	10.92	10.23	9.35	10.73	12.02	12.67	-7.28%
YoY %	3.57%	6.74%	9.41%	-12.86%	-10.73%	-5.13%	-	-
Horiz. %	89.27%	86.19%	80.74%	73.80%	84.69%	94.87%	100.00%	-
DY	6.18	5.93	3.43	3.26	3.59	4.04	6.50	-3.30%
YoY %	4.22%	72.89%	5.21%	-9.19%	-11.14%	-37.85%	-	-
Horiz. %	95.08%	91.23%	52.77%	50.15%	55.23%	62.15%	100.00%	-
P/NAPS	0.77	0.80	0.77	0.80	0.76	0.69	0.73	3.61%
YoY %	-3.75%	3.90%	-3.75%	5.26%	10.14%	-5.48%	-	-
Horiz. %	105.48%	109.59%	105.48%	109.59%	104.11%	94.52%	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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