[PBBANK] QoQ TTM Result on 30-Jun-2008 [#2]

	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	30/09/07	CAGR
TTM Result
Revenue	10,295,756	10,500,307	10,515,829	10,139,144	10,047,391	9,557,599	9,169,359	8.02%
YoY %	-1.95%	-0.15%	3.72%	0.91%	5.12%	4.23%	-	-
Horiz. %	112.28%	114.52%	114.68%	110.58%	109.58%	104.23%	100.00%	-
PBT	3,153,484	3,379,188	3,387,446	3,357,823	3,299,002	3,003,638	2,831,685	7.43%
YoY %	-6.68%	-0.24%	0.88%	1.78%	9.83%	6.07%	-	-
Horiz. %	111.36%	119.33%	119.63%	118.58%	116.50%	106.07%	100.00%	-
Tax	-666,513	-756,528	-813,550	-848,515	-856,756	-801,852	-776,418	-9.66%
YoY %	11.90%	7.01%	4.12%	0.96%	-6.85%	-3.28%	-	-
Horiz. %	85.84%	97.44%	104.78%	109.29%	110.35%	103.28%	100.00%	-
NP	2,486,971	2,622,660	2,573,896	2,509,308	2,442,246	2,201,786	2,055,267	13.54%
YoY %	-5.17%	1.89%	2.57%	2.75%	10.92%	7.13%	-	-
Horiz. %	121.00%	127.61%	125.23%	122.09%	118.83%	107.13%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,453,135	2,581,237	2,507,222	2,434,509	2,365,084	2,123,915	1,989,018	14.99%
YoY %	-4.96%	2.95%	2.99%	2.94%	11.35%	6.78%	-	-
Horiz. %	123.33%	129.77%	126.05%	122.40%	118.91%	106.78%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	21.14%	22.39%	24.02%	25.27%	25.97%	26.70%	27.42%	-
YoY %	-5.58%	-6.79%	-4.95%	-2.70%	-2.73%	-2.63%	-	-
Horiz. %	77.10%	81.66%	87.60%	92.16%	94.71%	97.37%	100.00%	-
Total Cost	7,808,785	7,877,647	7,941,933	7,629,836	7,605,145	7,355,813	7,114,092	6.40%
YoY %	-0.87%	-0.81%	4.09%	0.32%	3.39%	3.40%	-	-
Horiz. %	109.77%	110.73%	111.64%	107.25%	106.90%	103.40%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	9,406,596	9,536,156	9,180,680	9,368,055	8,752,859	9,328,219	8,827,483	4.32%
YoY %	-1.36%	3.87%	-2.00%	7.03%	-6.17%	5.67%	-	-
Horiz. %	106.56%	108.03%	104.00%	106.12%	99.15%	105.67%	100.00%	-

	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	30/09/07	CAGR
Dividend
Div	1,845,419	1,845,419	2,679,843	2,679,843	2,512,127	2,512,127	2,171,368	-10.26%
YoY %	0.00%	-31.14%	0.00%	6.68%	0.00%	15.69%	-	-
Horiz. %	84.99%	84.99%	123.42%	123.42%	115.69%	115.69%	100.00%	-
Div Payout %	75.23%	71.49%	106.88%	110.08%	106.22%	118.28%	109.17%	-
YoY %	5.23%	-33.11%	-2.91%	3.63%	-10.20%	8.34%	-	-
Horiz. %	68.91%	65.49%	97.90%	100.83%	97.30%	108.34%	100.00%	-

	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	30/09/07	CAGR
Equity
Net Worth	9,406,596	9,536,156	9,180,680	9,368,055	8,752,859	9,328,219	8,827,483	4.32%
YoY %	-1.36%	3.87%	-2.00%	7.03%	-6.17%	5.67%	-	-
Horiz. %	106.56%	108.03%	104.00%	106.12%	99.15%	105.67%	100.00%	-
NOSH	3,378,927	3,355,438	3,355,144	3,355,200	3,353,843	3,346,566	3,353,652	0.50%
YoY %	0.70%	0.01%	-0.00%	0.04%	0.22%	-0.21%	-	-
Horiz. %	100.75%	100.05%	100.04%	100.05%	100.01%	99.79%	100.00%	-

	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	30/09/07	CAGR
Ratio Analysis
NP Margin	24.16%	24.98%	24.48%	24.75%	24.31%	23.04%	22.41%	-
YoY %	-3.28%	2.04%	-1.09%	1.81%	5.51%	2.81%	-	-
Horiz. %	107.81%	111.47%	109.24%	110.44%	108.48%	102.81%	100.00%	-
ROE	26.08%	27.07%	27.31%	25.99%	27.02%	22.77%	22.53%	-
YoY %	-3.66%	-0.88%	5.08%	-3.81%	18.66%	1.07%	-	-
Horiz. %	115.76%	120.15%	121.22%	115.36%	119.93%	101.07%	100.00%	-

	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	30/09/07	CAGR
Per Share
RPS	304.70	312.93	313.42	302.19	299.58	285.59	273.41	7.48%
YoY %	-2.63%	-0.16%	3.72%	0.87%	4.90%	4.45%	-	-
Horiz. %	111.44%	114.45%	114.63%	110.53%	109.57%	104.45%	100.00%	-
EPS	72.60	76.93	74.73	72.56	70.52	63.47	59.31	14.41%
YoY %	-5.63%	2.94%	2.99%	2.89%	11.11%	7.01%	-	-
Horiz. %	122.41%	129.71%	126.00%	122.34%	118.90%	107.01%	100.00%	-
DPS	55.00	55.00	80.00	80.00	75.00	75.00	65.00	-10.53%
YoY %	0.00%	-31.25%	0.00%	6.67%	0.00%	15.38%	-	-
Horiz. %	84.62%	84.62%	123.08%	123.08%	115.38%	115.38%	100.00%	-
NAPS	2.7839	2.842	2.7363	2.7921	2.6098	2.7874	2.6322	3.80%
YoY %	-2.04%	3.86%	-2.00%	6.99%	-6.37%	5.90%	-	-
Horiz. %	105.76%	107.97%	103.95%	106.07%	99.15%	105.90%	100.00%	-

	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	30/09/07	CAGR
Adjusted Per Share Value based on latest NOSH - 3,355,200
RPS	53.03	54.08	54.16	52.22	51.75	49.22	47.22	8.03%
YoY %	-1.94%	-0.15%	3.72%	0.91%	5.14%	4.24%	-	-
Horiz. %	112.30%	114.53%	114.70%	110.59%	109.59%	104.24%	100.00%	-
EPS	12.63	13.29	12.91	12.54	12.18	10.94	10.24	14.99%
YoY %	-4.97%	2.94%	2.95%	2.96%	11.33%	6.84%	-	-
Horiz. %	123.34%	129.79%	126.07%	122.46%	118.95%	106.84%	100.00%	-
DPS	9.50	9.50	13.80	13.80	12.94	12.94	11.18	-10.27%
YoY %	0.00%	-31.16%	0.00%	6.65%	0.00%	15.74%	-	-
Horiz. %	84.97%	84.97%	123.43%	123.43%	115.74%	115.74%	100.00%	-
NAPS	0.4845	0.4911	0.4728	0.4825	0.4508	0.4804	0.4546	4.33%
YoY %	-1.34%	3.87%	-2.01%	7.03%	-6.16%	5.68%	-	-
Horiz. %	106.58%	108.03%	104.00%	106.14%	99.16%	105.68%	100.00%	-

	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	30/09/07	CAGR
Price Multiplier on Financial Quarter End Date
Date	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	28/09/07	-
Price	7.55	8.85	10.00	10.40	10.50	11.00	9.95	-
P/RPS	2.48	2.83	3.19	3.44	3.50	3.85	3.64	-22.55%
YoY %	-12.37%	-11.29%	-7.27%	-1.71%	-9.09%	5.77%	-	-
Horiz. %	68.13%	77.75%	87.64%	94.51%	96.15%	105.77%	100.00%	-
P/EPS	10.40	11.50	13.38	14.33	14.89	17.33	16.78	-27.28%
YoY %	-9.57%	-14.05%	-6.63%	-3.76%	-14.08%	3.28%	-	-
Horiz. %	61.98%	68.53%	79.74%	85.40%	88.74%	103.28%	100.00%	-
EY	9.62	8.69	7.47	6.98	6.72	5.77	5.96	37.56%
YoY %	10.70%	16.33%	7.02%	3.87%	16.46%	-3.19%	-	-
Horiz. %	161.41%	145.81%	125.34%	117.11%	112.75%	96.81%	100.00%	-
DY	7.28	6.21	8.00	7.69	7.14	6.82	6.53	7.51%
YoY %	17.23%	-22.38%	4.03%	7.70%	4.69%	4.44%	-	-
Horiz. %	111.49%	95.10%	122.51%	117.76%	109.34%	104.44%	100.00%	-
P/NAPS	2.71	3.11	3.65	3.72	4.02	3.95	3.78	-19.88%
YoY %	-12.86%	-14.79%	-1.88%	-7.46%	1.77%	4.50%	-	-
Horiz. %	71.69%	82.28%	96.56%	98.41%	106.35%	104.50%	100.00%	-

	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	30/09/07	CAGR
Price Multiplier on Announcement Date
Date	14/04/09	20/01/09	14/10/08	17/07/08	14/04/08	21/01/08	16/10/07	-
Price	8.45	8.70	9.05	10.30	10.90	11.00	10.30	-
P/RPS	2.77	2.78	2.89	3.41	3.64	3.85	3.77	-18.55%
YoY %	-0.36%	-3.81%	-15.25%	-6.32%	-5.45%	2.12%	-	-
Horiz. %	73.47%	73.74%	76.66%	90.45%	96.55%	102.12%	100.00%	-
P/EPS	11.64	11.31	12.11	14.20	15.46	17.33	17.37	-23.40%
YoY %	2.92%	-6.61%	-14.72%	-8.15%	-10.79%	-0.23%	-	-
Horiz. %	67.01%	65.11%	69.72%	81.75%	89.00%	99.77%	100.00%	-
EY	8.59	8.84	8.26	7.04	6.47	5.77	5.76	30.49%
YoY %	-2.83%	7.02%	17.33%	8.81%	12.13%	0.17%	-	-
Horiz. %	149.13%	153.47%	143.40%	122.22%	112.33%	100.17%	100.00%	-
DY	6.51	6.32	8.84	7.77	6.88	6.82	6.31	2.10%
YoY %	3.01%	-28.51%	13.77%	12.94%	0.88%	8.08%	-	-
Horiz. %	103.17%	100.16%	140.10%	123.14%	109.03%	108.08%	100.00%	-
P/NAPS	3.04	3.06	3.31	3.69	4.18	3.95	3.91	-15.43%
YoY %	-0.65%	-7.55%	-10.30%	-11.72%	5.82%	1.02%	-	-
Horiz. %	77.75%	78.26%	84.65%	94.37%	106.91%	101.02%	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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