[RHBBANK] YoY Cumulative Quarter Result on 30-Sep-2019 [#3]

	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	30/09/16	CAGR
Cumulative Result
Revenue	9,328,511	8,856,965	9,512,344	10,103,528	9,379,867	7,868,495	8,011,236	2.56%
YoY %	5.32%	-6.89%	-5.85%	7.72%	19.21%	-1.78%	-	-
Horiz. %	116.44%	110.56%	118.74%	126.12%	117.08%	98.22%	100.00%	-
PBT	2,948,642	2,606,196	2,103,326	2,498,650	2,343,959	1,956,253	1,887,430	7.71%
YoY %	13.14%	23.91%	-15.82%	6.60%	19.82%	3.65%	-	-
Horiz. %	156.23%	138.08%	111.44%	132.38%	124.19%	103.65%	100.00%	-
Tax	-1,010,562	-614,325	-503,515	-633,618	-602,602	-462,317	-456,560	14.15%
YoY %	-64.50%	-22.01%	20.53%	-5.15%	-30.34%	-1.26%	-	-
Horiz. %	221.34%	134.56%	110.28%	138.78%	131.99%	101.26%	100.00%	-
NP	1,938,080	1,991,871	1,599,811	1,865,032	1,741,357	1,493,936	1,430,870	5.18%
YoY %	-2.70%	24.51%	-14.22%	7.10%	16.56%	4.41%	-	-
Horiz. %	135.45%	139.21%	111.81%	130.34%	121.70%	104.41%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	1,935,573	1,987,223	1,593,899	1,861,424	1,739,771	1,490,068	1,420,381	5.29%
YoY %	-2.60%	24.68%	-14.37%	6.99%	16.76%	4.91%	-	-
Horiz. %	136.27%	139.91%	112.22%	131.05%	122.49%	104.91%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	34.27%	23.57%	23.94%	25.36%	25.71%	23.63%	24.19%	-
YoY %	45.40%	-1.55%	-5.60%	-1.36%	8.80%	-2.32%	-	-
Horiz. %	141.67%	97.44%	98.97%	104.84%	106.28%	97.68%	100.00%	-
Total Cost	7,390,431	6,865,094	7,912,533	8,238,496	7,638,510	6,374,559	6,580,366	1.95%
YoY %	7.65%	-13.24%	-3.96%	7.85%	19.83%	-3.13%	-	-
Horiz. %	112.31%	104.33%	120.24%	125.20%	116.08%	96.87%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	28,044,431	27,827,307	27,308,406	25,824,690	23,338,462	23,017,657	20,525,076	5.33%
YoY %	0.78%	1.90%	5.75%	10.65%	1.39%	12.14%	-	-
Horiz. %	136.63%	135.58%	133.05%	125.82%	113.71%	112.14%	100.00%	-

	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	30/09/16	CAGR
Dividend
Div	631,811	609,588	-	501,255	300,753	200,502	190,399	22.11%
YoY %	3.65%	0.00%	-	66.67%	50.00%	5.31%	-	-
Horiz. %	331.84%	320.16%	-	263.27%	157.96%	105.31%	100.00%	-
Div Payout %	32.64%	30.68%	-	26.93%	17.29%	13.46%	13.40%	-
YoY %	6.39%	0.00%	-	55.75%	28.45%	0.45%	-	-
Horiz. %	243.58%	228.96%	-	200.97%	129.03%	100.45%	100.00%	-

	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	30/09/16	CAGR
Equity
Net Worth	28,044,431	27,827,307	27,308,406	25,824,690	23,338,462	23,017,657	20,525,076	5.33%
YoY %	0.78%	1.90%	5.75%	10.65%	1.39%	12.14%	-	-
Horiz. %	136.63%	135.58%	133.05%	125.82%	113.71%	112.14%	100.00%	-
NOSH	4,212,077	4,068,360	4,010,045	4,010,045	4,010,045	4,010,045	3,807,992	1.69%
YoY %	3.53%	1.45%	0.00%	0.00%	0.00%	5.31%	-	-
Horiz. %	110.61%	106.84%	105.31%	105.31%	105.31%	105.31%	100.00%	-

	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	30/09/16	CAGR
Ratio Analysis
NP Margin	20.78%	22.49%	16.82%	18.46%	18.56%	18.99%	17.86%	-
YoY %	-7.60%	33.71%	-8.88%	-0.54%	-2.26%	6.33%	-	-
Horiz. %	116.35%	125.92%	94.18%	103.36%	103.92%	106.33%	100.00%	-
ROE	6.90%	7.14%	5.84%	7.21%	7.45%	6.47%	6.92%	-
YoY %	-3.36%	22.26%	-19.00%	-3.22%	15.15%	-6.50%	-	-
Horiz. %	99.71%	103.18%	84.39%	104.19%	107.66%	93.50%	100.00%	-

	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	30/09/16	CAGR
Per Share
RPS	221.47	217.94	237.21	251.96	233.91	196.22	210.38	0.85%
YoY %	1.62%	-8.12%	-5.85%	7.72%	19.21%	-6.73%	-	-
Horiz. %	105.27%	103.59%	112.75%	119.76%	111.18%	93.27%	100.00%	-
EPS	46.42	49.33	39.75	46.42	43.40	37.20	37.30	3.71%
YoY %	-5.90%	24.10%	-14.37%	6.96%	16.67%	-0.27%	-	-
Horiz. %	124.45%	132.25%	106.57%	124.45%	116.35%	99.73%	100.00%	-
DPS	15.00	15.00	0.00	12.50	7.50	5.00	5.00	20.08%
YoY %	0.00%	0.00%	0.00%	66.67%	50.00%	0.00%	-	-
Horiz. %	300.00%	300.00%	0.00%	250.00%	150.00%	100.00%	100.00%	-
NAPS	6.6581	6.8474	6.81	6.44	5.82	5.74	5.39	3.58%
YoY %	-2.76%	0.55%	5.75%	10.65%	1.39%	6.49%	-	-
Horiz. %	123.53%	127.04%	126.35%	119.48%	107.98%	106.49%	100.00%	-

	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	30/09/16	CAGR
Adjusted Per Share Value based on latest NOSH - 4,010,045
RPS	213.98	203.17	218.20	231.76	215.16	180.49	183.77	2.56%
YoY %	5.32%	-6.89%	-5.85%	7.72%	19.21%	-1.78%	-	-
Horiz. %	116.44%	110.56%	118.74%	126.11%	117.08%	98.22%	100.00%	-
EPS	44.40	45.58	36.56	42.70	39.91	34.18	32.58	5.29%
YoY %	-2.59%	24.67%	-14.38%	6.99%	16.76%	4.91%	-	-
Horiz. %	136.28%	139.90%	112.22%	131.06%	122.50%	104.91%	100.00%	-
DPS	14.49	13.98	0.00	11.50	6.90	4.60	4.37	22.10%
YoY %	3.65%	0.00%	0.00%	66.67%	50.00%	5.26%	-	-
Horiz. %	331.58%	319.91%	0.00%	263.16%	157.89%	105.26%	100.00%	-
NAPS	6.433	6.3832	6.2641	5.9238	5.3535	5.2799	4.7081	5.33%
YoY %	0.78%	1.90%	5.74%	10.65%	1.39%	12.15%	-	-
Horiz. %	136.64%	135.58%	133.05%	125.82%	113.71%	112.15%	100.00%	-

	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	30/09/16	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/22	30/09/21	30/09/20	30/09/19	28/09/18	29/09/17	30/09/16	-
Price	5.56	5.46	4.57	5.64	5.40	5.03	4.65	-
P/RPS	2.51	2.51	1.93	2.24	2.31	2.56	2.21	2.14%
YoY %	0.00%	30.05%	-13.84%	-3.03%	-9.77%	15.84%	-	-
Horiz. %	113.57%	113.57%	87.33%	101.36%	104.52%	115.84%	100.00%	-
P/EPS	12.10	11.17	11.50	12.15	12.45	13.54	12.47	-0.50%
YoY %	8.33%	-2.87%	-5.35%	-2.41%	-8.05%	8.58%	-	-
Horiz. %	97.03%	89.57%	92.22%	97.43%	99.84%	108.58%	100.00%	-
EY	8.26	8.96	8.70	8.23	8.03	7.39	8.02	0.49%
YoY %	-7.81%	2.99%	5.71%	2.49%	8.66%	-7.86%	-	-
Horiz. %	102.99%	111.72%	108.48%	102.62%	100.12%	92.14%	100.00%	-
DY	2.70	2.75	0.00	2.22	1.39	0.99	1.08	16.49%
YoY %	-1.82%	0.00%	0.00%	59.71%	40.40%	-8.33%	-	-
Horiz. %	250.00%	254.63%	0.00%	205.56%	128.70%	91.67%	100.00%	-
P/NAPS	0.84	0.80	0.67	0.88	0.93	0.88	0.86	-0.39%
YoY %	5.00%	19.40%	-23.86%	-5.38%	5.68%	2.33%	-	-
Horiz. %	97.67%	93.02%	77.91%	102.33%	108.14%	102.33%	100.00%	-

	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	30/09/16	CAGR
Price Multiplier on Announcement Date
Date	29/11/22	30/11/21	30/11/20	25/11/19	27/11/18	27/11/17	23/11/16	-
Price	5.67	5.31	5.17	5.76	5.25	4.90	4.75	-
P/RPS	2.56	2.44	2.18	2.29	2.24	2.50	2.26	2.09%
YoY %	4.92%	11.93%	-4.80%	2.23%	-10.40%	10.62%	-	-
Horiz. %	113.27%	107.96%	96.46%	101.33%	99.12%	110.62%	100.00%	-
P/EPS	12.34	10.86	13.01	12.41	12.10	13.19	12.73	-0.51%
YoY %	13.63%	-16.53%	4.83%	2.56%	-8.26%	3.61%	-	-
Horiz. %	96.94%	85.31%	102.20%	97.49%	95.05%	103.61%	100.00%	-
EY	8.10	9.21	7.69	8.06	8.26	7.58	7.85	0.52%
YoY %	-12.05%	19.77%	-4.59%	-2.42%	8.97%	-3.44%	-	-
Horiz. %	103.18%	117.32%	97.96%	102.68%	105.22%	96.56%	100.00%	-
DY	2.65	2.82	0.00	2.17	1.43	1.02	1.05	16.67%
YoY %	-6.03%	0.00%	0.00%	51.75%	40.20%	-2.86%	-	-
Horiz. %	252.38%	268.57%	0.00%	206.67%	136.19%	97.14%	100.00%	-
P/NAPS	0.85	0.78	0.76	0.89	0.90	0.85	0.88	-0.57%
YoY %	8.97%	2.63%	-14.61%	-1.11%	5.88%	-3.41%	-	-
Horiz. %	96.59%	88.64%	86.36%	101.14%	102.27%	96.59%	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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