[BIMB] QoQ TTM Result on 31-Dec-2019 [#4]

Stock

[BIMB] BANK ISLAM MALAYSIA BERHAD

Announcement Date

27-Feb-2020

Admission Sponsor

Sponsor

Financial Year

31-Dec-2019

Quarter

31-Dec-2019 [#4]

Profit Trend

QoQ- 2.54%

YoY- 15.37%

Quarter Report

BIMB's Financial Summary

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YoY %

Horiz. %

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
TTM Result
Revenue	5,073,229	4,934,972	4,946,174	4,885,314	4,653,965	4,550,048	4,386,327	10.15%
YoY %	2.80%	-0.23%	1.25%	4.97%	2.28%	3.73%	-	-
Horiz. %	115.66%	112.51%	112.76%	111.38%	106.10%	103.73%	100.00%	-
PBT	1,061,108	1,158,503	1,207,263	1,205,014	1,196,606	1,175,148	1,111,425	-3.03%
YoY %	-8.41%	-4.04%	0.19%	0.70%	1.83%	5.73%	-	-
Horiz. %	95.47%	104.24%	108.62%	108.42%	107.66%	105.73%	100.00%	-
Tax	-246,427	-258,785	-263,248	-269,645	-274,170	-274,879	-268,993	-5.65%
YoY %	4.78%	1.70%	2.37%	1.65%	0.26%	-2.19%	-	-
Horiz. %	91.61%	96.21%	97.86%	100.24%	101.92%	102.19%	100.00%	-
NP	814,681	899,718	944,015	935,369	922,436	900,269	842,432	-2.20%
YoY %	-9.45%	-4.69%	0.92%	1.40%	2.46%	6.87%	-	-
Horiz. %	96.71%	106.80%	112.06%	111.03%	109.50%	106.87%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	678,931	751,505	793,641	786,920	767,447	757,687	712,436	-3.15%
YoY %	-9.66%	-5.31%	0.85%	2.54%	1.29%	6.35%	-	-
Horiz. %	95.30%	105.48%	111.40%	110.45%	107.72%	106.35%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	23.22%	22.34%	21.81%	22.38%	22.91%	23.39%	24.20%	-
YoY %	3.94%	2.43%	-2.55%	-2.31%	-2.05%	-3.35%	-	-
Horiz. %	95.95%	92.31%	90.12%	92.48%	94.67%	96.65%	100.00%	-
Total Cost	4,258,548	4,035,254	4,002,159	3,949,945	3,731,529	3,649,779	3,543,895	12.99%
YoY %	5.53%	0.83%	1.32%	5.85%	2.24%	2.99%	-	-
Horiz. %	120.17%	113.86%	112.93%	111.46%	105.29%	102.99%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	6,525,296	6,363,956	6,072,791	5,892,704	6,016,204	5,716,276	5,381,222	13.67%
YoY %	2.54%	4.79%	3.06%	-2.05%	5.25%	6.23%	-	-
Horiz. %	121.26%	118.26%	112.85%	109.50%	111.80%	106.23%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Dividend
Div	225,875	282,285	282,285	282,285	282,285	262,502	262,502	-9.50%
YoY %	-19.98%	0.00%	0.00%	0.00%	7.54%	0.00%	-	-
Horiz. %	86.05%	107.54%	107.54%	107.54%	107.54%	100.00%	100.00%	-
Div Payout %	33.27%	37.56%	35.57%	35.87%	36.78%	34.65%	36.85%	-
YoY %	-11.42%	5.59%	-0.84%	-2.47%	6.15%	-5.97%	-	-
Horiz. %	90.28%	101.93%	96.53%	97.34%	99.81%	94.03%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Equity
Net Worth	6,525,296	6,363,956	6,072,791	5,892,704	6,016,204	5,716,276	5,381,222	13.67%
YoY %	2.54%	4.79%	3.06%	-2.05%	5.25%	6.23%	-	-
Horiz. %	121.26%	118.26%	112.85%	109.50%	111.80%	106.23%	100.00%	-
NOSH	1,792,663	1,792,663	1,792,663	1,764,282	1,764,282	1,764,282	1,764,282	1.06%
YoY %	0.00%	0.00%	1.61%	0.00%	0.00%	0.00%	-	-
Horiz. %	101.61%	101.61%	101.61%	100.00%	100.00%	100.00%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Ratio Analysis
NP Margin	16.06%	18.23%	19.09%	19.15%	19.82%	19.79%	19.21%	-
YoY %	-11.90%	-4.50%	-0.31%	-3.38%	0.15%	3.02%	-	-
Horiz. %	83.60%	94.90%	99.38%	99.69%	103.18%	103.02%	100.00%	-
ROE	10.40%	11.81%	13.07%	13.35%	12.76%	13.25%	13.24%	-
YoY %	-11.94%	-9.64%	-2.10%	4.62%	-3.70%	0.08%	-	-
Horiz. %	78.55%	89.20%	98.72%	100.83%	96.37%	100.08%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Per Share
RPS	283.00	275.29	276.92	276.90	263.79	257.90	251.87	8.05%
YoY %	2.80%	-0.59%	0.01%	4.97%	2.28%	2.39%	-	-
Horiz. %	112.36%	109.30%	109.95%	109.94%	104.73%	102.39%	100.00%	-
EPS	37.87	41.92	44.43	44.60	43.50	42.95	40.91	-5.00%
YoY %	-9.66%	-5.65%	-0.38%	2.53%	1.28%	4.99%	-	-
Horiz. %	92.57%	102.47%	108.60%	109.02%	106.33%	104.99%	100.00%	-
DPS	12.60	16.00	16.00	16.00	16.00	14.88	15.07	-11.22%
YoY %	-21.25%	0.00%	0.00%	0.00%	7.53%	-1.26%	-	-
Horiz. %	83.61%	106.17%	106.17%	106.17%	106.17%	98.74%	100.00%	-
NAPS	3.64	3.55	3.40	3.34	3.41	3.24	3.09	11.50%
YoY %	2.54%	4.41%	1.80%	-2.05%	5.25%	4.85%	-	-
Horiz. %	117.80%	114.89%	110.03%	108.09%	110.36%	104.85%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Adjusted Per Share Value based on latest NOSH - 1,764,282
RPS	224.03	217.92	218.42	215.73	205.52	200.93	193.70	10.15%
YoY %	2.80%	-0.23%	1.25%	4.97%	2.28%	3.73%	-	-
Horiz. %	115.66%	112.50%	112.76%	111.37%	106.10%	103.73%	100.00%	-
EPS	29.98	33.19	35.05	34.75	33.89	33.46	31.46	-3.15%
YoY %	-9.67%	-5.31%	0.86%	2.54%	1.29%	6.36%	-	-
Horiz. %	95.30%	105.50%	111.41%	110.46%	107.72%	106.36%	100.00%	-
DPS	9.97	12.47	12.47	12.47	12.47	11.59	11.59	-9.52%
YoY %	-20.05%	0.00%	0.00%	0.00%	7.59%	0.00%	-	-
Horiz. %	86.02%	107.59%	107.59%	107.59%	107.59%	100.00%	100.00%	-
NAPS	2.8815	2.8103	2.6817	2.6022	2.6567	2.5243	2.3763	13.67%
YoY %	2.53%	4.80%	3.06%	-2.05%	5.25%	6.23%	-	-
Horiz. %	121.26%	118.26%	112.85%	109.51%	111.80%	106.23%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	28/06/19	29/03/19	-
Price	3.50	3.42	3.25	4.40	3.96	4.57	4.31	-
P/RPS	1.24	1.24	1.17	1.59	1.50	1.77	1.71	-19.23%
YoY %	0.00%	5.98%	-26.42%	6.00%	-15.25%	3.51%	-	-
Horiz. %	72.51%	72.51%	68.42%	92.98%	87.72%	103.51%	100.00%	-
P/EPS	9.24	8.16	7.31	9.86	9.10	10.64	10.54	-8.37%
YoY %	13.24%	11.63%	-25.86%	8.35%	-14.47%	0.95%	-	-
Horiz. %	87.67%	77.42%	69.35%	93.55%	86.34%	100.95%	100.00%	-
EY	10.82	12.26	13.67	10.14	10.98	9.40	9.49	9.11%
YoY %	-11.75%	-10.31%	34.81%	-7.65%	16.81%	-0.95%	-	-
Horiz. %	114.01%	129.19%	144.05%	106.85%	115.70%	99.05%	100.00%	-
DY	3.60	4.68	4.92	3.64	4.04	3.26	3.50	1.89%
YoY %	-23.08%	-4.88%	35.16%	-9.90%	23.93%	-6.86%	-	-
Horiz. %	102.86%	133.71%	140.57%	104.00%	115.43%	93.14%	100.00%	-
P/NAPS	0.96	0.96	0.96	1.32	1.16	1.41	1.39	-21.81%
YoY %	0.00%	0.00%	-27.27%	13.79%	-17.73%	1.44%	-	-
Horiz. %	69.06%	69.06%	69.06%	94.96%	83.45%	101.44%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Price Multiplier on Announcement Date
Date	30/11/20	27/08/20	28/05/20	27/02/20	29/11/19	28/08/19	23/05/19	-
Price	3.70	3.44	3.61	3.76	4.16	4.05	4.55	-
P/RPS	1.31	1.25	1.30	1.36	1.58	1.57	1.81	-19.34%
YoY %	4.80%	-3.85%	-4.41%	-13.92%	0.64%	-13.26%	-	-
Horiz. %	72.38%	69.06%	71.82%	75.14%	87.29%	86.74%	100.00%	-
P/EPS	9.77	8.21	8.12	8.43	9.56	9.43	11.12	-8.24%
YoY %	19.00%	1.11%	-3.68%	-11.82%	1.38%	-15.20%	-	-
Horiz. %	87.86%	73.83%	73.02%	75.81%	85.97%	84.80%	100.00%	-
EY	10.24	12.19	12.31	11.86	10.46	10.60	8.99	9.04%
YoY %	-16.00%	-0.97%	3.79%	13.38%	-1.32%	17.91%	-	-
Horiz. %	113.90%	135.60%	136.93%	131.92%	116.35%	117.91%	100.00%	-
DY	3.41	4.65	4.43	4.26	3.85	3.67	3.31	1.99%
YoY %	-26.67%	4.97%	3.99%	10.65%	4.90%	10.88%	-	-
Horiz. %	103.02%	140.48%	133.84%	128.70%	116.31%	110.88%	100.00%	-
P/NAPS	1.02	0.97	1.06	1.13	1.22	1.25	1.47	-21.57%
YoY %	5.15%	-8.49%	-6.19%	-7.38%	-2.40%	-14.97%	-	-
Horiz. %	69.39%	65.99%	72.11%	76.87%	82.99%	85.03%	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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