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

Announcement Date
26-Feb-2021
Admission Sponsor
-
Sponsor
-
Financial Year
31-Dec-2020
Quarter
31-Dec-2020 [#4]
Profit Trend
QoQ- -8.23%
YoY- -18.12%
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TTM Result
30/09/21 30/06/21 31/03/21 31/12/20 30/09/20 30/06/20 31/03/20 CAGR
Revenue 11,938,344 11,921,562 12,268,161 12,593,365 12,937,281 13,265,254 13,410,156 -7.45%
PBT 3,180,403 3,188,424 2,789,224 2,677,533 2,955,120 2,952,265 3,279,537 -2.02%
Tax -749,191 -771,017 -671,604 -638,381 -732,532 -736,848 -850,635 -8.11%
NP 2,431,212 2,417,407 2,117,620 2,039,152 2,222,588 2,215,417 2,428,902 0.06%
-
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%
-
Tax Rate 23.56% 24.18% 24.08% 23.84% 24.79% 24.96% 25.94% -
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%
-
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%
Dividend
30/09/21 30/06/21 31/03/21 31/12/20 30/09/20 30/06/20 31/03/20 CAGR
Div 1,309,279 1,309,279 707,772 707,772 741,858 741,858 1,243,113 3.51%
Div Payout % 53.97% 54.27% 33.51% 34.82% 33.49% 33.59% 51.30% -
Equity
30/09/21 30/06/21 31/03/21 31/12/20 30/09/20 30/06/20 31/03/20 CAGR
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%
NOSH 4,068,360 4,010,045 4,010,045 4,010,045 4,010,045 4,010,045 4,010,045 0.96%
Ratio Analysis
30/09/21 30/06/21 31/03/21 31/12/20 30/09/20 30/06/20 31/03/20 CAGR
NP Margin 20.36% 20.28% 17.26% 16.19% 17.18% 16.70% 18.11% -
ROE 8.72% 8.77% 7.92% 7.52% 8.11% 8.32% 9.30% -
Per Share
30/09/21 30/06/21 31/03/21 31/12/20 30/09/20 30/06/20 31/03/20 CAGR
RPS 293.76 297.29 305.94 314.05 322.62 330.80 334.41 -8.27%
EPS 59.69 60.16 52.67 50.69 55.23 55.07 60.43 -0.81%
DPS 32.65 32.65 17.65 17.65 18.50 18.50 31.00 3.51%
NAPS 6.8474 6.8629 6.65 6.74 6.81 6.62 6.50 3.52%
Adjusted Per Share Value based on latest NOSH - 4,010,045
30/09/21 30/06/21 31/03/21 31/12/20 30/09/20 30/06/20 31/03/20 CAGR
RPS 278.52 278.13 286.21 293.80 301.83 309.48 312.86 -7.45%
EPS 56.59 56.28 49.27 47.42 51.67 51.52 56.53 0.07%
DPS 30.55 30.55 16.51 16.51 17.31 17.31 29.00 3.52%
NAPS 6.4921 6.4205 6.2213 6.3055 6.371 6.1933 6.081 4.45%
Price Multiplier on Financial Quarter End Date
30/09/21 30/06/21 31/03/21 31/12/20 30/09/20 30/06/20 31/03/20 CAGR
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%
P/EPS 9.15 8.98 10.20 10.75 8.27 8.70 7.76 11.59%
EY 10.93 11.14 9.81 9.30 12.09 11.50 12.88 -10.35%
DY 5.98 6.05 3.29 3.24 4.05 3.86 6.61 -6.45%
P/NAPS 0.80 0.79 0.81 0.81 0.67 0.72 0.72 7.26%
Price Multiplier on Announcement Date
30/09/21 30/06/21 31/03/21 31/12/20 30/09/20 30/06/20 31/03/20 CAGR
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%
P/EPS 8.85 9.16 9.78 10.69 9.32 8.32 7.89 7.94%
EY 11.31 10.92 10.23 9.35 10.73 12.02 12.67 -7.28%
DY 6.18 5.93 3.43 3.26 3.59 4.04 6.50 -3.30%
P/NAPS 0.77 0.80 0.77 0.80 0.76 0.69 0.73 3.61%

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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