[RHBBANK] QoQ TTM Result on 31-Mar-2020 [#1]

	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	CAGR
TTM Result
Revenue	12,593,365	12,937,281	13,265,254	13,410,156	13,528,465	13,413,241	13,280,052	-3.46%
YoY %	-2.66%	-2.47%	-1.08%	-0.87%	0.86%	1.00%	-	-
Horiz. %	94.83%	97.42%	99.89%	100.98%	101.87%	101.00%	100.00%	-
PBT	2,677,533	2,955,120	2,952,265	3,279,537	3,350,444	3,273,746	3,218,822	-11.50%
YoY %	-9.39%	0.10%	-9.98%	-2.12%	2.34%	1.71%	-	-
Horiz. %	83.18%	91.81%	91.72%	101.89%	104.09%	101.71%	100.00%	-
Tax	-638,381	-732,532	-736,848	-850,635	-862,635	-841,159	-822,850	-15.50%
YoY %	12.85%	0.59%	13.38%	1.39%	-2.55%	-2.23%	-	-
Horiz. %	77.58%	89.02%	89.55%	103.38%	104.84%	102.23%	100.00%	-
NP	2,039,152	2,222,588	2,215,417	2,428,902	2,487,809	2,432,587	2,395,972	-10.14%
YoY %	-8.25%	0.32%	-8.79%	-2.37%	2.27%	1.53%	-	-
Horiz. %	85.11%	92.76%	92.46%	101.37%	103.83%	101.53%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,032,530	2,214,907	2,208,486	2,423,126	2,482,432	2,426,849	2,389,711	-10.18%
YoY %	-8.23%	0.29%	-8.86%	-2.39%	2.29%	1.55%	-	-
Horiz. %	85.05%	92.69%	92.42%	101.40%	103.88%	101.55%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	23.84%	24.79%	24.96%	25.94%	25.75%	25.69%	25.56%	-
YoY %	-3.83%	-0.68%	-3.78%	0.74%	0.23%	0.51%	-	-
Horiz. %	93.27%	96.99%	97.65%	101.49%	100.74%	100.51%	100.00%	-
Total Cost	10,554,213	10,714,693	11,049,837	10,981,254	11,040,656	10,980,654	10,884,080	-2.02%
YoY %	-1.50%	-3.03%	0.62%	-0.54%	0.55%	0.89%	-	-
Horiz. %	96.97%	98.44%	101.52%	100.89%	101.44%	100.89%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	27,027,702	27,308,406	26,546,497	26,065,292	25,784,588	25,824,690	24,862,278	5.69%
YoY %	-1.03%	2.87%	1.85%	1.09%	-0.16%	3.87%	-	-
Horiz. %	108.71%	109.84%	106.77%	104.84%	103.71%	103.87%	100.00%	-

	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	CAGR
Dividend
Div	707,772	741,858	741,858	1,243,113	1,243,113	1,022,561	1,022,561	-21.66%
YoY %	-4.59%	0.00%	-40.32%	0.00%	21.57%	0.00%	-	-
Horiz. %	69.22%	72.55%	72.55%	121.57%	121.57%	100.00%	100.00%	-
Div Payout %	34.82%	33.49%	33.59%	51.30%	50.08%	42.14%	42.79%	-
YoY %	3.97%	-0.30%	-34.52%	2.44%	18.84%	-1.52%	-	-
Horiz. %	81.37%	78.27%	78.50%	119.89%	117.04%	98.48%	100.00%	-

	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	CAGR
Equity
Net Worth	27,027,702	27,308,406	26,546,497	26,065,292	25,784,588	25,824,690	24,862,278	5.69%
YoY %	-1.03%	2.87%	1.85%	1.09%	-0.16%	3.87%	-	-
Horiz. %	108.71%	109.84%	106.77%	104.84%	103.71%	103.87%	100.00%	-
NOSH	4,010,045	4,010,045	4,010,045	4,010,045	4,010,045	4,010,045	4,010,045	0.00%
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	-

	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	CAGR
Ratio Analysis
NP Margin	16.19%	17.18%	16.70%	18.11%	18.39%	18.14%	18.04%	-
YoY %	-5.76%	2.87%	-7.79%	-1.52%	1.38%	0.55%	-	-
Horiz. %	89.75%	95.23%	92.57%	100.39%	101.94%	100.55%	100.00%	-
ROE	7.52%	8.11%	8.32%	9.30%	9.63%	9.40%	9.61%	-
YoY %	-7.27%	-2.52%	-10.54%	-3.43%	2.45%	-2.19%	-	-
Horiz. %	78.25%	84.39%	86.58%	96.77%	100.21%	97.81%	100.00%	-

	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	CAGR
Per Share
RPS	314.05	322.62	330.80	334.41	337.36	334.49	331.17	-3.46%
YoY %	-2.66%	-2.47%	-1.08%	-0.87%	0.86%	1.00%	-	-
Horiz. %	94.83%	97.42%	99.89%	100.98%	101.87%	101.00%	100.00%	-
EPS	50.69	55.23	55.07	60.43	61.91	60.52	59.59	-10.17%
YoY %	-8.22%	0.29%	-8.87%	-2.39%	2.30%	1.56%	-	-
Horiz. %	85.06%	92.68%	92.41%	101.41%	103.89%	101.56%	100.00%	-
DPS	17.65	18.50	18.50	31.00	31.00	25.50	25.50	-21.66%
YoY %	-4.59%	0.00%	-40.32%	0.00%	21.57%	0.00%	-	-
Horiz. %	69.22%	72.55%	72.55%	121.57%	121.57%	100.00%	100.00%	-
NAPS	6.74	6.81	6.62	6.50	6.43	6.44	6.20	5.69%
YoY %	-1.03%	2.87%	1.85%	1.09%	-0.16%	3.87%	-	-
Horiz. %	108.71%	109.84%	106.77%	104.84%	103.71%	103.87%	100.00%	-

	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	CAGR
Adjusted Per Share Value based on latest NOSH - 4,010,045
RPS	288.84	296.73	304.25	307.57	310.29	307.65	304.59	-3.46%
YoY %	-2.66%	-2.47%	-1.08%	-0.88%	0.86%	1.00%	-	-
Horiz. %	94.83%	97.42%	99.89%	100.98%	101.87%	101.00%	100.00%	-
EPS	46.62	50.80	50.65	55.58	56.94	55.66	54.81	-10.18%
YoY %	-8.23%	0.30%	-8.87%	-2.39%	2.30%	1.55%	-	-
Horiz. %	85.06%	92.68%	92.41%	101.40%	103.89%	101.55%	100.00%	-
DPS	16.23	17.02	17.02	28.51	28.51	23.45	23.45	-21.66%
YoY %	-4.64%	0.00%	-40.30%	0.00%	21.58%	0.00%	-	-
Horiz. %	69.21%	72.58%	72.58%	121.58%	121.58%	100.00%	100.00%	-
NAPS	6.1991	6.2634	6.0887	5.9783	5.9139	5.9231	5.7024	5.69%
YoY %	-1.03%	2.87%	1.85%	1.09%	-0.16%	3.87%	-	-
Horiz. %	108.71%	109.84%	106.77%	104.84%	103.71%	103.87%	100.00%	-

	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	CAGR
Price Multiplier on Financial Quarter End Date
Date	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	28/06/19	-
Price	5.45	4.57	4.79	4.69	5.78	5.64	5.59	-
P/RPS	1.74	1.42	1.45	1.40	1.71	1.69	1.69	1.95%
YoY %	22.54%	-2.07%	3.57%	-18.13%	1.18%	0.00%	-	-
Horiz. %	102.96%	84.02%	85.80%	82.84%	101.18%	100.00%	100.00%	-
P/EPS	10.75	8.27	8.70	7.76	9.34	9.32	9.38	9.46%
YoY %	29.99%	-4.94%	12.11%	-16.92%	0.21%	-0.64%	-	-
Horiz. %	114.61%	88.17%	92.75%	82.73%	99.57%	99.36%	100.00%	-
EY	9.30	12.09	11.50	12.88	10.71	10.73	10.66	-8.65%
YoY %	-23.08%	5.13%	-10.71%	20.26%	-0.19%	0.66%	-	-
Horiz. %	87.24%	113.41%	107.88%	120.83%	100.47%	100.66%	100.00%	-
DY	3.24	4.05	3.86	6.61	5.36	4.52	4.56	-20.29%
YoY %	-20.00%	4.92%	-41.60%	23.32%	18.58%	-0.88%	-	-
Horiz. %	71.05%	88.82%	84.65%	144.96%	117.54%	99.12%	100.00%	-
P/NAPS	0.81	0.67	0.72	0.72	0.90	0.88	0.90	-6.75%
YoY %	20.90%	-6.94%	0.00%	-20.00%	2.27%	-2.22%	-	-
Horiz. %	90.00%	74.44%	80.00%	80.00%	100.00%	97.78%	100.00%	-

	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	CAGR
Price Multiplier on Announcement Date
Date	26/02/21	30/11/20	28/08/20	29/05/20	27/02/20	25/11/19	26/08/19	-
Price	5.42	5.15	4.58	4.77	5.61	5.78	5.62	-
P/RPS	1.73	1.60	1.38	1.43	1.66	1.73	1.70	1.16%
YoY %	8.12%	15.94%	-3.50%	-13.86%	-4.05%	1.76%	-	-
Horiz. %	101.76%	94.12%	81.18%	84.12%	97.65%	101.76%	100.00%	-
P/EPS	10.69	9.32	8.32	7.89	9.06	9.55	9.43	8.67%
YoY %	14.70%	12.02%	5.45%	-12.91%	-5.13%	1.27%	-	-
Horiz. %	113.36%	98.83%	88.23%	83.67%	96.08%	101.27%	100.00%	-
EY	9.35	10.73	12.02	12.67	11.03	10.47	10.60	-7.98%
YoY %	-12.86%	-10.73%	-5.13%	14.87%	5.35%	-1.23%	-	-
Horiz. %	88.21%	101.23%	113.40%	119.53%	104.06%	98.77%	100.00%	-
DY	3.26	3.59	4.04	6.50	5.53	4.41	4.54	-19.73%
YoY %	-9.19%	-11.14%	-37.85%	17.54%	25.40%	-2.86%	-	-
Horiz. %	71.81%	79.07%	88.99%	143.17%	121.81%	97.14%	100.00%	-
P/NAPS	0.80	0.76	0.69	0.73	0.87	0.90	0.91	-8.19%
YoY %	5.26%	10.14%	-5.48%	-16.09%	-3.33%	-1.10%	-	-
Horiz. %	87.91%	83.52%	75.82%	80.22%	95.60%	98.90%	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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