[PBBANK] QoQ TTM Result on 30-Sep-2008 [#3]

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
TTM Result
Revenue	10,130,797	10,295,756	10,500,307	10,515,829	10,139,144	10,047,391	9,557,599	3.96%
YoY %	-1.60%	-1.95%	-0.15%	3.72%	0.91%	5.12%	-	-
Horiz. %	106.00%	107.72%	109.86%	110.03%	106.08%	105.12%	100.00%	-
PBT	3,181,700	3,153,484	3,379,188	3,387,446	3,357,823	3,299,002	3,003,638	3.91%
YoY %	0.89%	-6.68%	-0.24%	0.88%	1.78%	9.83%	-	-
Horiz. %	105.93%	104.99%	112.50%	112.78%	111.79%	109.83%	100.00%	-
Tax	-681,814	-666,513	-756,528	-813,550	-848,515	-856,756	-801,852	-10.25%
YoY %	-2.30%	11.90%	7.01%	4.12%	0.96%	-6.85%	-	-
Horiz. %	85.03%	83.12%	94.35%	101.46%	105.82%	106.85%	100.00%	-
NP	2,499,886	2,486,971	2,622,660	2,573,896	2,509,308	2,442,246	2,201,786	8.84%
YoY %	0.52%	-5.17%	1.89%	2.57%	2.75%	10.92%	-	-
Horiz. %	113.54%	112.95%	119.12%	116.90%	113.97%	110.92%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,470,341	2,453,135	2,581,237	2,507,222	2,434,509	2,365,084	2,123,915	10.60%
YoY %	0.70%	-4.96%	2.95%	2.99%	2.94%	11.35%	-	-
Horiz. %	116.31%	115.50%	121.53%	118.05%	114.62%	111.35%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	21.43%	21.14%	22.39%	24.02%	25.27%	25.97%	26.70%	-
YoY %	1.37%	-5.58%	-6.79%	-4.95%	-2.70%	-2.73%	-	-
Horiz. %	80.26%	79.18%	83.86%	89.96%	94.64%	97.27%	100.00%	-
Total Cost	7,630,911	7,808,785	7,877,647	7,941,933	7,629,836	7,605,145	7,355,813	2.48%
YoY %	-2.28%	-0.87%	-0.81%	4.09%	0.32%	3.39%	-	-
Horiz. %	103.74%	106.16%	107.09%	107.97%	103.73%	103.39%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	10,321,177	9,406,596	9,536,156	9,180,680	9,368,055	8,752,859	9,328,219	6.98%
YoY %	9.72%	-1.36%	3.87%	-2.00%	7.03%	-6.17%	-	-
Horiz. %	110.64%	100.84%	102.23%	98.42%	100.43%	93.83%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Dividend
Div	1,874,013	1,845,419	1,845,419	2,679,843	2,679,843	2,512,127	2,512,127	-17.76%
YoY %	1.55%	0.00%	-31.14%	0.00%	6.68%	0.00%	-	-
Horiz. %	74.60%	73.46%	73.46%	106.68%	106.68%	100.00%	100.00%	-
Div Payout %	75.86%	75.23%	71.49%	106.88%	110.08%	106.22%	118.28%	-
YoY %	0.84%	5.23%	-33.11%	-2.91%	3.63%	-10.20%	-	-
Horiz. %	64.14%	63.60%	60.44%	90.36%	93.07%	89.80%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Equity
Net Worth	10,321,177	9,406,596	9,536,156	9,180,680	9,368,055	8,752,859	9,328,219	6.98%
YoY %	9.72%	-1.36%	3.87%	-2.00%	7.03%	-6.17%	-	-
Horiz. %	110.64%	100.84%	102.23%	98.42%	100.43%	93.83%	100.00%	-
NOSH	3,450,513	3,378,927	3,355,438	3,355,144	3,355,200	3,353,843	3,346,566	2.06%
YoY %	2.12%	0.70%	0.01%	-0.00%	0.04%	0.22%	-	-
Horiz. %	103.11%	100.97%	100.27%	100.26%	100.26%	100.22%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Ratio Analysis
NP Margin	24.68%	24.16%	24.98%	24.48%	24.75%	24.31%	23.04%	-
YoY %	2.15%	-3.28%	2.04%	-1.09%	1.81%	5.51%	-	-
Horiz. %	107.12%	104.86%	108.42%	106.25%	107.42%	105.51%	100.00%	-
ROE	23.93%	26.08%	27.07%	27.31%	25.99%	27.02%	22.77%	-
YoY %	-8.24%	-3.66%	-0.88%	5.08%	-3.81%	18.66%	-	-
Horiz. %	105.09%	114.54%	118.88%	119.94%	114.14%	118.66%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Per Share
RPS	293.60	304.70	312.93	313.42	302.19	299.58	285.59	1.86%
YoY %	-3.64%	-2.63%	-0.16%	3.72%	0.87%	4.90%	-	-
Horiz. %	102.80%	106.69%	109.57%	109.74%	105.81%	104.90%	100.00%	-
EPS	71.59	72.60	76.93	74.73	72.56	70.52	63.47	8.36%
YoY %	-1.39%	-5.63%	2.94%	2.99%	2.89%	11.11%	-	-
Horiz. %	112.79%	114.38%	121.21%	117.74%	114.32%	111.11%	100.00%	-
DPS	54.31	55.00	55.00	80.00	80.00	75.00	75.00	-19.37%
YoY %	-1.25%	0.00%	-31.25%	0.00%	6.67%	0.00%	-	-
Horiz. %	72.41%	73.33%	73.33%	106.67%	106.67%	100.00%	100.00%	-
NAPS	2.9912	2.7839	2.842	2.7363	2.7921	2.6098	2.7874	4.82%
YoY %	7.45%	-2.04%	3.86%	-2.00%	6.99%	-6.37%	-	-
Horiz. %	107.31%	99.87%	101.96%	98.17%	100.17%	93.63%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Adjusted Per Share Value based on latest NOSH - 3,355,144
RPS	52.18	53.03	54.08	54.16	52.22	51.75	49.22	3.97%
YoY %	-1.60%	-1.94%	-0.15%	3.72%	0.91%	5.14%	-	-
Horiz. %	106.01%	107.74%	109.87%	110.04%	106.10%	105.14%	100.00%	-
EPS	12.72	12.63	13.29	12.91	12.54	12.18	10.94	10.58%
YoY %	0.71%	-4.97%	2.94%	2.95%	2.96%	11.33%	-	-
Horiz. %	116.27%	115.45%	121.48%	118.01%	114.63%	111.33%	100.00%	-
DPS	9.65	9.50	9.50	13.80	13.80	12.94	12.94	-17.77%
YoY %	1.58%	0.00%	-31.16%	0.00%	6.65%	0.00%	-	-
Horiz. %	74.57%	73.42%	73.42%	106.65%	106.65%	100.00%	100.00%	-
NAPS	0.5316	0.4845	0.4911	0.4728	0.4825	0.4508	0.4804	6.99%
YoY %	9.72%	-1.34%	3.87%	-2.01%	7.03%	-6.16%	-	-
Horiz. %	110.66%	100.85%	102.23%	98.42%	100.44%	93.84%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	-
Price	9.05	7.55	8.85	10.00	10.40	10.50	11.00	-
P/RPS	3.08	2.48	2.83	3.19	3.44	3.50	3.85	-13.83%
YoY %	24.19%	-12.37%	-11.29%	-7.27%	-1.71%	-9.09%	-	-
Horiz. %	80.00%	64.42%	73.51%	82.86%	89.35%	90.91%	100.00%	-
P/EPS	12.64	10.40	11.50	13.38	14.33	14.89	17.33	-18.98%
YoY %	21.54%	-9.57%	-14.05%	-6.63%	-3.76%	-14.08%	-	-
Horiz. %	72.94%	60.01%	66.36%	77.21%	82.69%	85.92%	100.00%	-
EY	7.91	9.62	8.69	7.47	6.98	6.72	5.77	23.42%
YoY %	-17.78%	10.70%	16.33%	7.02%	3.87%	16.46%	-	-
Horiz. %	137.09%	166.72%	150.61%	129.46%	120.97%	116.46%	100.00%	-
DY	6.00	7.28	6.21	8.00	7.69	7.14	6.82	-8.19%
YoY %	-17.58%	17.23%	-22.38%	4.03%	7.70%	4.69%	-	-
Horiz. %	87.98%	106.74%	91.06%	117.30%	112.76%	104.69%	100.00%	-
P/NAPS	3.03	2.71	3.11	3.65	3.72	4.02	3.95	-16.21%
YoY %	11.81%	-12.86%	-14.79%	-1.88%	-7.46%	1.77%	-	-
Horiz. %	76.71%	68.61%	78.73%	92.41%	94.18%	101.77%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Price Multiplier on Announcement Date
Date	20/07/09	14/04/09	20/01/09	14/10/08	17/07/08	14/04/08	21/01/08	-
Price	10.30	8.45	8.70	9.05	10.30	10.90	11.00	-
P/RPS	3.51	2.77	2.78	2.89	3.41	3.64	3.85	-5.98%
YoY %	26.71%	-0.36%	-3.81%	-15.25%	-6.32%	-5.45%	-	-
Horiz. %	91.17%	71.95%	72.21%	75.06%	88.57%	94.55%	100.00%	-
P/EPS	14.39	11.64	11.31	12.11	14.20	15.46	17.33	-11.66%
YoY %	23.63%	2.92%	-6.61%	-14.72%	-8.15%	-10.79%	-	-
Horiz. %	83.04%	67.17%	65.26%	69.88%	81.94%	89.21%	100.00%	-
EY	6.95	8.59	8.84	8.26	7.04	6.47	5.77	13.21%
YoY %	-19.09%	-2.83%	7.02%	17.33%	8.81%	12.13%	-	-
Horiz. %	120.45%	148.87%	153.21%	143.15%	122.01%	112.13%	100.00%	-
DY	5.27	6.51	6.32	8.84	7.77	6.88	6.82	-15.80%
YoY %	-19.05%	3.01%	-28.51%	13.77%	12.94%	0.88%	-	-
Horiz. %	77.27%	95.45%	92.67%	129.62%	113.93%	100.88%	100.00%	-
P/NAPS	3.44	3.04	3.06	3.31	3.69	4.18	3.95	-8.81%
YoY %	13.16%	-0.65%	-7.55%	-10.30%	-11.72%	5.82%	-	-
Horiz. %	87.09%	76.96%	77.47%	83.80%	93.42%	105.82%	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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