[PBBANK] QoQ TTM Result on 30-Jun-2004 [#2]

	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	CAGR
TTM Result
Revenue	5,303,420	5,045,340	4,731,999	4,564,115	4,442,869	4,318,113	4,270,263	15.52%
YoY %	5.12%	6.62%	3.68%	2.73%	2.89%	1.12%	-	-
Horiz. %	124.19%	118.15%	110.81%	106.88%	104.04%	101.12%	100.00%	-
PBT	1,901,857	1,853,874	1,748,091	1,658,196	1,549,869	1,446,898	1,371,680	24.31%
YoY %	2.59%	6.05%	5.42%	6.99%	7.12%	5.48%	-	-
Horiz. %	138.65%	135.15%	127.44%	120.89%	112.99%	105.48%	100.00%	-
Tax	-589,361	-582,801	-530,670	-490,652	-455,792	-449,648	-458,681	18.17%
YoY %	-1.13%	-9.82%	-8.16%	-7.65%	-1.37%	1.97%	-	-
Horiz. %	128.49%	127.06%	115.69%	106.97%	99.37%	98.03%	100.00%	-
NP	1,312,496	1,271,073	1,217,421	1,167,544	1,094,077	997,250	912,999	27.34%
YoY %	3.26%	4.41%	4.27%	6.71%	9.71%	9.23%	-	-
Horiz. %	143.76%	139.22%	133.34%	127.88%	119.83%	109.23%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	1,312,496	1,271,073	1,217,421	1,167,544	1,094,077	997,250	912,999	27.34%
YoY %	3.26%	4.41%	4.27%	6.71%	9.71%	9.23%	-	-
Horiz. %	143.76%	139.22%	133.34%	127.88%	119.83%	109.23%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	30.99%	31.44%	30.36%	29.59%	29.41%	31.08%	33.44%	-
YoY %	-1.43%	3.56%	2.60%	0.61%	-5.37%	-7.06%	-	-
Horiz. %	92.67%	94.02%	90.79%	88.49%	87.95%	92.94%	100.00%	-
Total Cost	3,990,924	3,774,267	3,514,578	3,396,571	3,348,792	3,320,863	3,357,264	12.20%
YoY %	5.74%	7.39%	3.47%	1.43%	0.84%	-1.08%	-	-
Horiz. %	118.87%	112.42%	104.69%	101.17%	99.75%	98.92%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	6,972,907	7,715,636	8,308,726	8,078,242	6,349,853	6,407,933	6,313,228	6.84%
YoY %	-9.63%	-7.14%	2.85%	27.22%	-0.91%	1.50%	-	-
Horiz. %	110.45%	122.21%	131.61%	127.96%	100.58%	101.50%	100.00%	-

	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	CAGR
Dividend
Div	2,909,546	2,909,546	2,700,671	1,409,745	1,409,745	1,409,745	416,290	265.12%
YoY %	0.00%	7.73%	91.57%	0.00%	0.00%	238.64%	-	-
Horiz. %	698.92%	698.92%	648.75%	338.64%	338.64%	338.64%	100.00%	-
Div Payout %	221.68%	228.90%	221.84%	120.74%	128.85%	141.36%	45.60%	-
YoY %	-3.15%	3.18%	83.73%	-6.29%	-8.85%	210.00%	-	-
Horiz. %	486.14%	501.97%	486.49%	264.78%	282.57%	310.00%	100.00%	-

	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	CAGR
Equity
Net Worth	6,972,907	7,715,636	8,308,726	8,078,242	6,349,853	6,407,933	6,313,228	6.84%
YoY %	-9.63%	-7.14%	2.85%	27.22%	-0.91%	1.50%	-	-
Horiz. %	110.45%	122.21%	131.61%	127.96%	100.58%	101.50%	100.00%	-
NOSH	3,255,933	3,237,239	3,227,316	3,227,553	6,349,853	6,407,933	6,313,228	-35.66%
YoY %	0.58%	0.31%	-0.01%	-49.17%	-0.91%	1.50%	-	-
Horiz. %	51.57%	51.28%	51.12%	51.12%	100.58%	101.50%	100.00%	-

	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	CAGR
Ratio Analysis
NP Margin	24.75%	25.19%	25.73%	25.58%	24.63%	23.09%	21.38%	-
YoY %	-1.75%	-2.10%	0.59%	3.86%	6.67%	8.00%	-	-
Horiz. %	115.76%	117.82%	120.35%	119.64%	115.20%	108.00%	100.00%	-
ROE	18.82%	16.47%	14.65%	14.45%	17.23%	15.56%	14.46%	-
YoY %	14.27%	12.42%	1.38%	-16.13%	10.73%	7.61%	-	-
Horiz. %	130.15%	113.90%	101.31%	99.93%	119.16%	107.61%	100.00%	-

	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	CAGR
Per Share
RPS	162.88	155.85	146.62	141.41	69.97	67.39	67.64	79.56%
YoY %	4.51%	6.30%	3.68%	102.10%	3.83%	-0.37%	-	-
Horiz. %	240.80%	230.41%	216.77%	209.06%	103.44%	99.63%	100.00%	-
EPS	40.31	39.26	37.72	36.17	17.23	15.56	14.46	97.95%
YoY %	2.67%	4.08%	4.29%	109.92%	10.73%	7.61%	-	-
Horiz. %	278.77%	271.51%	260.86%	250.14%	119.16%	107.61%	100.00%	-
DPS	90.00	89.88	83.68	43.68	22.20	22.00	6.59	470.44%
YoY %	0.13%	7.41%	91.58%	96.76%	0.91%	233.84%	-	-
Horiz. %	1,365.71%	1,363.88%	1,269.80%	662.82%	336.87%	333.84%	100.00%	-
NAPS	2.1416	2.3834	2.5745	2.5029	1.00	1.00	1.00	66.06%
YoY %	-10.15%	-7.42%	2.86%	150.29%	0.00%	0.00%	-	-
Horiz. %	214.16%	238.34%	257.45%	250.29%	100.00%	100.00%	100.00%	-

	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	CAGR
Adjusted Per Share Value based on latest NOSH - 3,227,553
RPS	27.31	25.98	24.37	23.51	22.88	22.24	21.99	15.52%
YoY %	5.12%	6.61%	3.66%	2.75%	2.88%	1.14%	-	-
Horiz. %	124.19%	118.14%	110.82%	106.91%	104.05%	101.14%	100.00%	-
EPS	6.76	6.55	6.27	6.01	5.63	5.14	4.70	27.39%
YoY %	3.21%	4.47%	4.33%	6.75%	9.53%	9.36%	-	-
Horiz. %	143.83%	139.36%	133.40%	127.87%	119.79%	109.36%	100.00%	-
DPS	14.98	14.98	13.91	7.26	7.26	7.26	2.14	265.49%
YoY %	0.00%	7.69%	91.60%	0.00%	0.00%	239.25%	-	-
Horiz. %	700.00%	700.00%	650.00%	339.25%	339.25%	339.25%	100.00%	-
NAPS	0.3591	0.3974	0.4279	0.416	0.327	0.33	0.3251	6.84%
YoY %	-9.64%	-7.13%	2.86%	27.22%	-0.91%	1.51%	-	-
Horiz. %	110.46%	122.24%	131.62%	127.96%	100.58%	101.51%	100.00%	-

	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	CAGR
Price Multiplier on Financial Quarter End Date
Date	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	-
Price	7.50	7.10	6.35	6.05	6.20	5.66	4.66	-
P/RPS	4.60	4.56	4.33	4.28	8.86	8.40	6.89	-23.59%
YoY %	0.88%	5.31%	1.17%	-51.69%	5.48%	21.92%	-	-
Horiz. %	66.76%	66.18%	62.84%	62.12%	128.59%	121.92%	100.00%	-
P/EPS	18.61	18.08	16.83	16.72	35.98	36.37	32.22	-30.62%
YoY %	2.93%	7.43%	0.66%	-53.53%	-1.07%	12.88%	-	-
Horiz. %	57.76%	56.11%	52.23%	51.89%	111.67%	112.88%	100.00%	-
EY	5.37	5.53	5.94	5.98	2.78	2.75	3.10	44.18%
YoY %	-2.89%	-6.90%	-0.67%	115.11%	1.09%	-11.29%	-	-
Horiz. %	173.23%	178.39%	191.61%	192.90%	89.68%	88.71%	100.00%	-
DY	12.00	12.66	13.18	7.22	3.58	3.89	1.42	314.34%
YoY %	-5.21%	-3.95%	82.55%	101.68%	-7.97%	173.94%	-	-
Horiz. %	845.07%	891.55%	928.17%	508.45%	252.11%	273.94%	100.00%	-
P/NAPS	3.50	2.98	2.47	2.42	6.20	5.66	4.66	-17.35%
YoY %	17.45%	20.65%	2.07%	-60.97%	9.54%	21.46%	-	-
Horiz. %	75.11%	63.95%	53.00%	51.93%	133.05%	121.46%	100.00%	-

	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	30/09/03	CAGR
Price Multiplier on Announcement Date
Date	13/04/05	18/01/05	25/10/04	22/07/04	21/04/04	11/02/04	27/10/03	-
Price	6.95	7.50	6.40	6.10	5.98	6.04	5.08	-
P/RPS	4.27	4.81	4.36	4.31	8.55	8.96	7.51	-31.34%
YoY %	-11.23%	10.32%	1.16%	-49.59%	-4.58%	19.31%	-	-
Horiz. %	56.86%	64.05%	58.06%	57.39%	113.85%	119.31%	100.00%	-
P/EPS	17.24	19.10	16.97	16.86	34.71	38.81	35.13	-37.75%
YoY %	-9.74%	12.55%	0.65%	-51.43%	-10.56%	10.48%	-	-
Horiz. %	49.07%	54.37%	48.31%	47.99%	98.80%	110.48%	100.00%	-
EY	5.80	5.24	5.89	5.93	2.88	2.58	2.85	60.52%
YoY %	10.69%	-11.04%	-0.67%	105.90%	11.63%	-9.47%	-	-
Horiz. %	203.51%	183.86%	206.67%	208.07%	101.05%	90.53%	100.00%	-
DY	12.95	11.98	13.08	7.16	3.71	3.64	1.30	362.32%
YoY %	8.10%	-8.41%	82.68%	92.99%	1.92%	180.00%	-	-
Horiz. %	996.15%	921.54%	1,006.15%	550.77%	285.38%	280.00%	100.00%	-
P/NAPS	3.25	3.15	2.49	2.44	5.98	6.04	5.08	-25.73%
YoY %	3.17%	26.51%	2.05%	-59.20%	-0.99%	18.90%	-	-
Horiz. %	63.98%	62.01%	49.02%	48.03%	117.72%	118.90%	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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