[PBBANK] QoQ TTM Result on 30-Sep-2004 [#3]

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
TTM Result
Revenue	5,518,887	5,303,420	5,045,340	4,731,999	4,564,115	4,442,869	4,318,113	17.78%
YoY %	4.06%	5.12%	6.62%	3.68%	2.73%	2.89%	-	-
Horiz. %	127.81%	122.82%	116.84%	109.58%	105.70%	102.89%	100.00%	-
PBT	1,973,797	1,901,857	1,853,874	1,748,091	1,658,196	1,549,869	1,446,898	23.02%
YoY %	3.78%	2.59%	6.05%	5.42%	6.99%	7.12%	-	-
Horiz. %	136.42%	131.44%	128.13%	120.82%	114.60%	107.12%	100.00%	-
Tax	-604,615	-589,361	-582,801	-530,670	-490,652	-455,792	-449,648	21.84%
YoY %	-2.59%	-1.13%	-9.82%	-8.16%	-7.65%	-1.37%	-	-
Horiz. %	134.46%	131.07%	129.61%	118.02%	109.12%	101.37%	100.00%	-
NP	1,369,182	1,312,496	1,271,073	1,217,421	1,167,544	1,094,077	997,250	23.55%
YoY %	4.32%	3.26%	4.41%	4.27%	6.71%	9.71%	-	-
Horiz. %	137.30%	131.61%	127.46%	122.08%	117.08%	109.71%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	1,369,182	1,312,496	1,271,073	1,217,421	1,167,544	1,094,077	997,250	23.55%
YoY %	4.32%	3.26%	4.41%	4.27%	6.71%	9.71%	-	-
Horiz. %	137.30%	131.61%	127.46%	122.08%	117.08%	109.71%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	30.63%	30.99%	31.44%	30.36%	29.59%	29.41%	31.08%	-
YoY %	-1.16%	-1.43%	3.56%	2.60%	0.61%	-5.37%	-	-
Horiz. %	98.55%	99.71%	101.16%	97.68%	95.21%	94.63%	100.00%	-
Total Cost	4,149,705	3,990,924	3,774,267	3,514,578	3,396,571	3,348,792	3,320,863	16.02%
YoY %	3.98%	5.74%	7.39%	3.47%	1.43%	0.84%	-	-
Horiz. %	124.96%	120.18%	113.65%	105.83%	102.28%	100.84%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	7,363,655	6,972,907	7,715,636	8,308,726	8,078,242	6,349,853	6,407,933	9.72%
YoY %	5.60%	-9.63%	-7.14%	2.85%	27.22%	-0.91%	-	-
Horiz. %	114.91%	108.82%	120.41%	129.66%	126.07%	99.09%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Dividend
Div	3,563,977	2,909,546	2,909,546	2,700,671	1,409,745	1,409,745	1,409,745	85.68%
YoY %	22.49%	0.00%	7.73%	91.57%	0.00%	0.00%	-	-
Horiz. %	252.81%	206.39%	206.39%	191.57%	100.00%	100.00%	100.00%	-
Div Payout %	260.30%	221.68%	228.90%	221.84%	120.74%	128.85%	141.36%	-
YoY %	17.42%	-3.15%	3.18%	83.73%	-6.29%	-8.85%	-	-
Horiz. %	184.14%	156.82%	161.93%	156.93%	85.41%	91.15%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Equity
Net Worth	7,363,655	6,972,907	7,715,636	8,308,726	8,078,242	6,349,853	6,407,933	9.72%
YoY %	5.60%	-9.63%	-7.14%	2.85%	27.22%	-0.91%	-	-
Horiz. %	114.91%	108.82%	120.41%	129.66%	126.07%	99.09%	100.00%	-
NOSH	3,272,153	3,255,933	3,237,239	3,227,316	3,227,553	6,349,853	6,407,933	-36.13%
YoY %	0.50%	0.58%	0.31%	-0.01%	-49.17%	-0.91%	-	-
Horiz. %	51.06%	50.81%	50.52%	50.36%	50.37%	99.09%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Ratio Analysis
NP Margin	24.81%	24.75%	25.19%	25.73%	25.58%	24.63%	23.09%	-
YoY %	0.24%	-1.75%	-2.10%	0.59%	3.86%	6.67%	-	-
Horiz. %	107.45%	107.19%	109.09%	111.43%	110.78%	106.67%	100.00%	-
ROE	18.59%	18.82%	16.47%	14.65%	14.45%	17.23%	15.56%	-
YoY %	-1.22%	14.27%	12.42%	1.38%	-16.13%	10.73%	-	-
Horiz. %	119.47%	120.95%	105.85%	94.15%	92.87%	110.73%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Per Share
RPS	168.66	162.88	155.85	146.62	141.41	69.97	67.39	84.43%
YoY %	3.55%	4.51%	6.30%	3.68%	102.10%	3.83%	-	-
Horiz. %	250.27%	241.70%	231.27%	217.57%	209.84%	103.83%	100.00%	-
EPS	41.84	40.31	39.26	37.72	36.17	17.23	15.56	93.48%
YoY %	3.80%	2.67%	4.08%	4.29%	109.92%	10.73%	-	-
Horiz. %	268.89%	259.06%	252.31%	242.42%	232.46%	110.73%	100.00%	-
DPS	110.00	90.00	89.88	83.68	43.68	22.20	22.00	192.68%
YoY %	22.22%	0.13%	7.41%	91.58%	96.76%	0.91%	-	-
Horiz. %	500.00%	409.09%	408.55%	380.36%	198.55%	100.91%	100.00%	-
NAPS	2.2504	2.1416	2.3834	2.5745	2.5029	1.00	1.00	71.81%
YoY %	5.08%	-10.15%	-7.42%	2.86%	150.29%	0.00%	-	-
Horiz. %	225.04%	214.16%	238.34%	257.45%	250.29%	100.00%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Adjusted Per Share Value based on latest NOSH - 3,227,316
RPS	28.42	27.31	25.98	24.37	23.51	22.88	22.24	17.77%
YoY %	4.06%	5.12%	6.61%	3.66%	2.75%	2.88%	-	-
Horiz. %	127.79%	122.80%	116.82%	109.58%	105.71%	102.88%	100.00%	-
EPS	7.05	6.76	6.55	6.27	6.01	5.63	5.14	23.47%
YoY %	4.29%	3.21%	4.47%	4.33%	6.75%	9.53%	-	-
Horiz. %	137.16%	131.52%	127.43%	121.98%	116.93%	109.53%	100.00%	-
DPS	18.36	14.98	14.98	13.91	7.26	7.26	7.26	85.72%
YoY %	22.56%	0.00%	7.69%	91.60%	0.00%	0.00%	-	-
Horiz. %	252.89%	206.34%	206.34%	191.60%	100.00%	100.00%	100.00%	-
NAPS	0.3792	0.3591	0.3974	0.4279	0.416	0.327	0.33	9.71%
YoY %	5.60%	-9.64%	-7.13%	2.86%	27.22%	-0.91%	-	-
Horiz. %	114.91%	108.82%	120.42%	129.67%	126.06%	99.09%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	-
Price	6.70	7.50	7.10	6.35	6.05	6.20	5.66	-
P/RPS	3.97	4.60	4.56	4.33	4.28	8.86	8.40	-39.35%
YoY %	-13.70%	0.88%	5.31%	1.17%	-51.69%	5.48%	-	-
Horiz. %	47.26%	54.76%	54.29%	51.55%	50.95%	105.48%	100.00%	-
P/EPS	16.01	18.61	18.08	16.83	16.72	35.98	36.37	-42.16%
YoY %	-13.97%	2.93%	7.43%	0.66%	-53.53%	-1.07%	-	-
Horiz. %	44.02%	51.17%	49.71%	46.27%	45.97%	98.93%	100.00%	-
EY	6.25	5.37	5.53	5.94	5.98	2.78	2.75	72.94%
YoY %	16.39%	-2.89%	-6.90%	-0.67%	115.11%	1.09%	-	-
Horiz. %	227.27%	195.27%	201.09%	216.00%	217.45%	101.09%	100.00%	-
DY	16.42	12.00	12.66	13.18	7.22	3.58	3.89	161.41%
YoY %	36.83%	-5.21%	-3.95%	82.55%	101.68%	-7.97%	-	-
Horiz. %	422.11%	308.48%	325.45%	338.82%	185.60%	92.03%	100.00%	-
P/NAPS	2.98	3.50	2.98	2.47	2.42	6.20	5.66	-34.82%
YoY %	-14.86%	17.45%	20.65%	2.07%	-60.97%	9.54%	-	-
Horiz. %	52.65%	61.84%	52.65%	43.64%	42.76%	109.54%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Price Multiplier on Announcement Date
Date	21/07/05	13/04/05	18/01/05	25/10/04	22/07/04	21/04/04	11/02/04	-
Price	7.00	6.95	7.50	6.40	6.10	5.98	6.04	-
P/RPS	4.15	4.27	4.81	4.36	4.31	8.55	8.96	-40.16%
YoY %	-2.81%	-11.23%	10.32%	1.16%	-49.59%	-4.58%	-	-
Horiz. %	46.32%	47.66%	53.68%	48.66%	48.10%	95.42%	100.00%	-
P/EPS	16.73	17.24	19.10	16.97	16.86	34.71	38.81	-42.96%
YoY %	-2.96%	-9.74%	12.55%	0.65%	-51.43%	-10.56%	-	-
Horiz. %	43.11%	44.42%	49.21%	43.73%	43.44%	89.44%	100.00%	-
EY	5.98	5.80	5.24	5.89	5.93	2.88	2.58	75.23%
YoY %	3.10%	10.69%	-11.04%	-0.67%	105.90%	11.63%	-	-
Horiz. %	231.78%	224.81%	203.10%	228.29%	229.84%	111.63%	100.00%	-
DY	15.71	12.95	11.98	13.08	7.16	3.71	3.64	165.32%
YoY %	21.31%	8.10%	-8.41%	82.68%	92.99%	1.92%	-	-
Horiz. %	431.59%	355.77%	329.12%	359.34%	196.70%	101.92%	100.00%	-
P/NAPS	3.11	3.25	3.15	2.49	2.44	5.98	6.04	-35.78%
YoY %	-4.31%	3.17%	26.51%	2.05%	-59.20%	-0.99%	-	-
Horiz. %	51.49%	53.81%	52.15%	41.23%	40.40%	99.01%	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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