[PBBANK] QoQ TTM Result on 31-Dec-2022 [#4]

Stock

[PBBANK] PUBLIC BANK BHD

Announcement Date

27-Feb-2023

Admission Sponsor

Sponsor

Financial Year

31-Dec-2022

Quarter

31-Dec-2022 [#4]

Profit Trend

QoQ- 5.75%

YoY- 8.18%

Quarter Report

4th Quarter and Financial Year Ended 31 December 2022 Results.pdf

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PBBANK's Result

PBBANK's Financial Summary

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YoY %

Horiz. %

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
TTM Result
Revenue	24,929,959	23,952,547	22,662,939	21,426,926	20,222,643	19,531,621	19,479,412	17.85%
YoY %	4.08%	5.69%	5.77%	5.96%	3.54%	0.27%	-	-
Horiz. %	127.98%	122.96%	116.34%	110.00%	103.82%	100.27%	100.00%	-
PBT	8,992,105	9,112,598	9,039,759	8,831,050	8,116,269	7,595,130	7,367,902	14.18%
YoY %	-1.32%	0.81%	2.36%	8.81%	6.86%	3.08%	-	-
Horiz. %	122.04%	123.68%	122.69%	119.86%	110.16%	103.08%	100.00%	-
Tax	-2,213,162	-2,436,519	-2,559,943	-2,661,423	-2,269,069	-1,971,681	-1,774,445	15.85%
YoY %	9.17%	4.82%	3.81%	-17.29%	-15.08%	-11.12%	-	-
Horiz. %	124.72%	137.31%	144.27%	149.99%	127.87%	111.12%	100.00%	-
NP	6,778,943	6,676,079	6,479,816	6,169,627	5,847,200	5,623,449	5,593,457	13.65%
YoY %	1.54%	3.03%	5.03%	5.51%	3.98%	0.54%	-	-
Horiz. %	121.19%	119.36%	115.85%	110.30%	104.54%	100.54%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	6,747,534	6,636,526	6,434,907	6,119,499	5,786,653	5,557,694	5,525,118	14.23%
YoY %	1.67%	3.13%	5.15%	5.75%	4.12%	0.59%	-	-
Horiz. %	122.12%	120.12%	116.47%	110.76%	104.73%	100.59%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	24.61%	26.74%	28.32%	30.14%	27.96%	25.96%	24.08%	-
YoY %	-7.97%	-5.58%	-6.04%	7.80%	7.70%	7.81%	-	-
Horiz. %	102.20%	111.05%	117.61%	125.17%	116.11%	107.81%	100.00%	-
Total Cost	18,151,016	17,276,468	16,183,123	15,257,299	14,375,443	13,908,172	13,885,955	19.53%
YoY %	5.06%	6.76%	6.07%	6.13%	3.36%	0.16%	-	-
Horiz. %	130.71%	124.42%	116.54%	109.88%	103.53%	100.16%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	53,210,531	53,303,699	51,308,282	50,178,577	49,213,866	49,097,405	47,990,993	7.11%
YoY %	-0.17%	3.89%	2.25%	1.96%	0.24%	2.31%	-	-
Horiz. %	110.88%	111.07%	106.91%	104.56%	102.55%	102.31%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Dividend
Div	2,717,496	3,493,924	3,299,817	3,299,817	3,823,906	3,047,478	2,950,425	-5.33%
YoY %	-22.22%	5.88%	0.00%	-13.71%	25.48%	3.29%	-	-
Horiz. %	92.11%	118.42%	111.84%	111.84%	129.61%	103.29%	100.00%	-
Div Payout %	40.27%	52.65%	51.28%	53.92%	66.08%	54.83%	53.40%	-
YoY %	-23.51%	2.67%	-4.90%	-18.40%	20.52%	2.68%	-	-
Horiz. %	75.41%	98.60%	96.03%	100.97%	123.75%	102.68%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Equity
Net Worth	53,210,531	53,303,699	51,308,282	50,178,577	49,213,866	49,097,405	47,990,993	7.11%
YoY %	-0.17%	3.89%	2.25%	1.96%	0.24%	2.31%	-	-
Horiz. %	110.88%	111.07%	106.91%	104.56%	102.55%	102.31%	100.00%	-
NOSH	19,410,691	19,410,691	19,410,691	19,410,691	19,410,691	19,410,691	19,410,691	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%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Ratio Analysis
NP Margin	27.19%	27.87%	28.59%	28.79%	28.91%	28.79%	28.71%	-
YoY %	-2.44%	-2.52%	-0.69%	-0.42%	0.42%	0.28%	-	-
Horiz. %	94.71%	97.07%	99.58%	100.28%	100.70%	100.28%	100.00%	-
ROE	12.68%	12.45%	12.54%	12.20%	11.76%	11.32%	11.51%	-
YoY %	1.85%	-0.72%	2.79%	3.74%	3.89%	-1.65%	-	-
Horiz. %	110.17%	108.17%	108.95%	105.99%	102.17%	98.35%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Per Share
RPS	128.43	123.40	116.75	110.39	104.18	100.62	100.35	17.86%
YoY %	4.08%	5.70%	5.76%	5.96%	3.54%	0.27%	-	-
Horiz. %	127.98%	122.97%	116.34%	110.00%	103.82%	100.27%	100.00%	-
EPS	34.76	34.19	33.15	31.53	29.81	28.63	28.46	14.24%
YoY %	1.67%	3.14%	5.14%	5.77%	4.12%	0.60%	-	-
Horiz. %	122.14%	120.13%	116.48%	110.79%	104.74%	100.60%	100.00%	-
DPS	14.00	18.00	17.00	17.00	19.70	15.70	15.20	-5.33%
YoY %	-22.22%	5.88%	0.00%	-13.71%	25.48%	3.29%	-	-
Horiz. %	92.11%	118.42%	111.84%	111.84%	129.61%	103.29%	100.00%	-
NAPS	2.7413	2.7461	2.6433	2.5851	2.5354	2.5294	2.4724	7.11%
YoY %	-0.17%	3.89%	2.25%	1.96%	0.24%	2.31%	-	-
Horiz. %	110.88%	111.07%	106.91%	104.56%	102.55%	102.31%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Adjusted Per Share Value based on latest NOSH - 19,410,691
RPS	128.39	123.36	116.72	110.35	104.15	100.59	100.32	17.85%
YoY %	4.08%	5.69%	5.77%	5.95%	3.54%	0.27%	-	-
Horiz. %	127.98%	122.97%	116.35%	110.00%	103.82%	100.27%	100.00%	-
EPS	34.75	34.18	33.14	31.52	29.80	28.62	28.46	14.22%
YoY %	1.67%	3.14%	5.14%	5.77%	4.12%	0.56%	-	-
Horiz. %	122.10%	120.10%	116.44%	110.75%	104.71%	100.56%	100.00%	-
DPS	14.00	17.99	16.99	16.99	19.69	15.70	15.20	-5.33%
YoY %	-22.18%	5.89%	0.00%	-13.71%	25.41%	3.29%	-	-
Horiz. %	92.11%	118.36%	111.78%	111.78%	129.54%	103.29%	100.00%	-
NAPS	2.7405	2.7453	2.6425	2.5843	2.5346	2.5286	2.4716	7.12%
YoY %	-0.17%	3.89%	2.25%	1.96%	0.24%	2.31%	-	-
Horiz. %	110.88%	111.07%	106.91%	104.56%	102.55%	102.31%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Price Multiplier on Financial Quarter End Date
Date	29/09/23	30/06/23	31/03/23	30/12/22	30/09/22	30/06/22	31/03/22	-
Price	4.06	3.85	4.00	4.32	4.23	4.37	4.67	-
P/RPS	3.16	3.12	3.43	3.91	4.06	4.34	4.65	-22.68%
YoY %	1.28%	-9.04%	-12.28%	-3.69%	-6.45%	-6.67%	-	-
Horiz. %	67.96%	67.10%	73.76%	84.09%	87.31%	93.33%	100.00%	-
P/EPS	11.68	11.26	12.07	13.70	14.19	15.26	16.41	-20.26%
YoY %	3.73%	-6.71%	-11.90%	-3.45%	-7.01%	-7.01%	-	-
Horiz. %	71.18%	68.62%	73.55%	83.49%	86.47%	92.99%	100.00%	-
EY	8.56	8.88	8.29	7.30	7.05	6.55	6.10	25.31%
YoY %	-3.60%	7.12%	13.56%	3.55%	7.63%	7.38%	-	-
Horiz. %	140.33%	145.57%	135.90%	119.67%	115.57%	107.38%	100.00%	-
DY	3.45	4.68	4.25	3.94	4.66	3.59	3.25	4.05%
YoY %	-26.28%	10.12%	7.87%	-15.45%	29.81%	10.46%	-	-
Horiz. %	106.15%	144.00%	130.77%	121.23%	143.38%	110.46%	100.00%	-
P/NAPS	1.48	1.40	1.51	1.67	1.67	1.73	1.89	-15.03%
YoY %	5.71%	-7.28%	-9.58%	0.00%	-3.47%	-8.47%	-	-
Horiz. %	78.31%	74.07%	79.89%	88.36%	88.36%	91.53%	100.00%	-

	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	CAGR
Price Multiplier on Announcement Date
Date	29/11/23	29/08/23	25/05/23	27/02/23	30/11/22	29/08/22	30/05/22	-
Price	4.24	4.14	3.89	4.15	4.50	4.63	4.59	-
P/RPS	3.30	3.35	3.33	3.76	4.32	4.60	4.57	-19.49%
YoY %	-1.49%	0.60%	-11.44%	-12.96%	-6.09%	0.66%	-	-
Horiz. %	72.21%	73.30%	72.87%	82.28%	94.53%	100.66%	100.00%	-
P/EPS	12.20	12.11	11.73	13.16	15.09	16.17	16.13	-16.97%
YoY %	0.74%	3.24%	-10.87%	-12.79%	-6.68%	0.25%	-	-
Horiz. %	75.64%	75.08%	72.72%	81.59%	93.55%	100.25%	100.00%	-
EY	8.20	8.26	8.52	7.60	6.62	6.18	6.20	20.46%
YoY %	-0.73%	-3.05%	12.11%	14.80%	7.12%	-0.32%	-	-
Horiz. %	132.26%	133.23%	137.42%	122.58%	106.77%	99.68%	100.00%	-
DY	3.30	4.35	4.37	4.10	4.38	3.39	3.31	-0.20%
YoY %	-24.14%	-0.46%	6.59%	-6.39%	29.20%	2.42%	-	-
Horiz. %	99.70%	131.42%	132.02%	123.87%	132.33%	102.42%	100.00%	-
P/NAPS	1.55	1.51	1.47	1.61	1.77	1.83	1.86	-11.43%
YoY %	2.65%	2.72%	-8.70%	-9.04%	-3.28%	-1.61%	-	-
Horiz. %	83.33%	81.18%	79.03%	86.56%	95.16%	98.39%	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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