[PBBANK] YoY Cumulative Quarter Result on 30-Sep-2005 [#3]

	30/09/08	30/09/07	30/09/06	30/09/05	30/09/04	30/09/03	30/09/02	CAGR
Cumulative Result
Revenue	7,942,750	6,984,520	5,525,385	4,360,348	3,620,310	3,206,424	2,982,318	17.71%
YoY %	13.72%	26.41%	26.72%	20.44%	12.91%	7.51%	-	-
Horiz. %	266.33%	234.20%	185.27%	146.21%	121.39%	107.51%	100.00%	-
PBT	2,566,245	2,182,437	1,767,113	1,501,289	1,346,967	1,045,774	945,159	18.09%
YoY %	17.59%	23.50%	17.71%	11.46%	28.80%	10.65%	-	-
Horiz. %	271.51%	230.91%	186.96%	158.84%	142.51%	110.65%	100.00%	-
Tax	-600,192	-588,494	-433,276	-382,804	-414,818	-333,796	-377,056	8.04%
YoY %	-1.99%	-35.82%	-13.18%	7.72%	-24.27%	11.47%	-	-
Horiz. %	159.18%	156.08%	114.91%	101.52%	110.01%	88.53%	100.00%	-
NP	1,966,053	1,593,943	1,333,837	1,118,485	932,149	711,978	568,103	22.96%
YoY %	23.35%	19.50%	19.25%	19.99%	30.92%	25.33%	-	-
Horiz. %	346.07%	280.57%	234.79%	196.88%	164.08%	125.33%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	1,927,262	1,543,955	1,281,625	1,059,147	932,149	711,978	568,103	22.55%
YoY %	24.83%	20.47%	21.01%	13.62%	30.92%	25.33%	-	-
Horiz. %	339.25%	271.77%	225.60%	186.44%	164.08%	125.33%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	23.39%	26.96%	24.52%	25.50%	30.80%	31.92%	39.89%	-
YoY %	-13.24%	9.95%	-3.84%	-17.21%	-3.51%	-19.98%	-	-
Horiz. %	58.64%	67.59%	61.47%	63.93%	77.21%	80.02%	100.00%	-
Total Cost	5,976,697	5,390,577	4,191,548	3,241,863	2,688,161	2,494,446	2,414,215	16.29%
YoY %	10.87%	28.61%	29.29%	20.60%	7.77%	3.32%	-	-
Horiz. %	247.56%	223.28%	173.62%	134.28%	111.35%	103.32%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	9,181,001	8,830,939	8,386,127	7,288,595	8,265,075	5,994,934	4,594,381	12.21%
YoY %	3.96%	5.30%	15.06%	-11.81%	37.87%	30.48%	-	-
Horiz. %	199.83%	192.21%	182.53%	158.64%	179.90%	130.48%	100.00%	-

	30/09/08	30/09/07	30/09/06	30/09/05	30/09/04	30/09/03	30/09/02	CAGR
Dividend
Div	1,006,578	838,741	661,653	655,007	1,284,144	-	-	-
YoY %	20.01%	26.76%	1.01%	-48.99%	0.00%	-	-	-
Horiz. %	78.39%	65.32%	51.52%	51.01%	100.00%	-	-	-
Div Payout %	52.23%	54.32%	51.63%	61.84%	137.76%	-	-	-
YoY %	-3.85%	5.21%	-16.51%	-55.11%	0.00%	-	-	-
Horiz. %	37.91%	39.43%	37.48%	44.89%	100.00%	-	-	-

	30/09/08	30/09/07	30/09/06	30/09/05	30/09/04	30/09/03	30/09/02	CAGR
Equity
Net Worth	9,181,001	8,830,939	8,386,127	7,288,595	8,265,075	5,994,934	4,594,381	12.21%
YoY %	3.96%	5.30%	15.06%	-11.81%	37.87%	30.48%	-	-
Horiz. %	199.83%	192.21%	182.53%	158.64%	179.90%	130.48%	100.00%	-
NOSH	3,355,261	3,354,965	3,308,267	3,275,037	3,210,361	5,994,934	4,594,381	-5.09%
YoY %	0.01%	1.41%	1.01%	2.01%	-46.45%	30.48%	-	-
Horiz. %	73.03%	73.02%	72.01%	71.28%	69.88%	130.48%	100.00%	-

	30/09/08	30/09/07	30/09/06	30/09/05	30/09/04	30/09/03	30/09/02	CAGR
Ratio Analysis
NP Margin	24.75%	22.82%	24.14%	25.65%	25.75%	22.20%	19.05%	-
YoY %	8.46%	-5.47%	-5.89%	-0.39%	15.99%	16.54%	-	-
Horiz. %	129.92%	119.79%	126.72%	134.65%	135.17%	116.54%	100.00%	-
ROE	20.99%	17.48%	15.28%	14.53%	11.28%	11.88%	12.37%	-
YoY %	20.08%	14.40%	5.16%	28.81%	-5.05%	-3.96%	-	-
Horiz. %	169.68%	141.31%	123.52%	117.46%	91.19%	96.04%	100.00%	-

	30/09/08	30/09/07	30/09/06	30/09/05	30/09/04	30/09/03	30/09/02	CAGR
Per Share
RPS	236.73	208.18	167.02	133.14	112.77	53.49	64.91	24.04%
YoY %	13.71%	24.64%	25.45%	18.06%	110.82%	-17.59%	-	-
Horiz. %	364.70%	320.72%	257.31%	205.11%	173.73%	82.41%	100.00%	-
EPS	57.44	46.02	38.74	32.34	29.03	23.75	9.90	34.01%
YoY %	24.82%	18.79%	19.79%	11.40%	22.23%	139.90%	-	-
Horiz. %	580.20%	464.85%	391.31%	326.67%	293.23%	239.90%	100.00%	-
DPS	30.00	25.00	20.00	20.00	40.00	0.00	0.00	-
YoY %	20.00%	25.00%	0.00%	-50.00%	0.00%	0.00%	-	-
Horiz. %	75.00%	62.50%	50.00%	50.00%	100.00%	-	-	-
NAPS	2.7363	2.6322	2.5349	2.2255	2.5745	1.00	1.00	18.24%
YoY %	3.95%	3.84%	13.90%	-13.56%	157.45%	0.00%	-	-
Horiz. %	273.63%	263.22%	253.49%	222.55%	257.45%	100.00%	100.00%	-

	30/09/08	30/09/07	30/09/06	30/09/05	30/09/04	30/09/03	30/09/02	CAGR
Adjusted Per Share Value based on latest NOSH - 3,281,735
RPS	40.92	35.98	28.47	22.46	18.65	16.52	15.36	17.72%
YoY %	13.73%	26.38%	26.76%	20.43%	12.89%	7.55%	-	-
Horiz. %	266.41%	234.24%	185.35%	146.22%	121.42%	107.55%	100.00%	-
EPS	9.93	7.95	6.60	5.46	4.80	3.67	2.93	22.53%
YoY %	24.91%	20.45%	20.88%	13.75%	30.79%	25.26%	-	-
Horiz. %	338.91%	271.33%	225.26%	186.35%	163.82%	125.26%	100.00%	-
DPS	5.19	4.32	3.41	3.37	6.62	0.00	0.00	-
YoY %	20.14%	26.69%	1.19%	-49.09%	0.00%	0.00%	-	-
Horiz. %	78.40%	65.26%	51.51%	50.91%	100.00%	-	-	-
NAPS	0.473	0.455	0.432	0.3755	0.4258	0.3088	0.2367	12.21%
YoY %	3.96%	5.32%	15.05%	-11.81%	37.89%	30.46%	-	-
Horiz. %	199.83%	192.23%	182.51%	158.64%	179.89%	130.46%	100.00%	-

	30/09/08	30/09/07	30/09/06	30/09/05	30/09/04	30/09/03	30/09/02	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/08	28/09/07	29/09/06	30/09/05	30/09/04	30/09/03	30/09/02	-
Price	10.00	9.95	6.85	6.75	6.35	4.66	4.64	-
P/RPS	4.22	4.78	4.10	5.07	5.63	8.71	7.15	-8.40%
YoY %	-11.72%	16.59%	-19.13%	-9.95%	-35.36%	21.82%	-	-
Horiz. %	59.02%	66.85%	57.34%	70.91%	78.74%	121.82%	100.00%	-
P/EPS	17.41	21.62	17.68	20.87	21.87	39.24	37.52	-12.00%
YoY %	-19.47%	22.29%	-15.29%	-4.57%	-44.27%	4.58%	-	-
Horiz. %	46.40%	57.62%	47.12%	55.62%	58.29%	104.58%	100.00%	-
EY	5.74	4.63	5.66	4.79	4.57	2.55	2.66	13.66%
YoY %	23.97%	-18.20%	18.16%	4.81%	79.22%	-4.14%	-	-
Horiz. %	215.79%	174.06%	212.78%	180.08%	171.80%	95.86%	100.00%	-
DY	3.00	2.51	2.92	2.96	6.30	0.00	0.00	-
YoY %	19.52%	-14.04%	-1.35%	-53.02%	0.00%	0.00%	-	-
Horiz. %	47.62%	39.84%	46.35%	46.98%	100.00%	-	-	-
P/NAPS	3.65	3.78	2.70	3.03	2.47	4.66	4.64	-3.91%
YoY %	-3.44%	40.00%	-10.89%	22.67%	-47.00%	0.43%	-	-
Horiz. %	78.66%	81.47%	58.19%	65.30%	53.23%	100.43%	100.00%	-

	30/09/08	30/09/07	30/09/06	30/09/05	30/09/04	30/09/03	30/09/02	CAGR
Price Multiplier on Announcement Date
Date	14/10/08	16/10/07	17/10/06	18/10/05	25/10/04	27/10/03	12/11/02	-
Price	9.05	10.30	6.65	6.70	6.40	5.08	4.62	-
P/RPS	3.82	4.95	3.98	5.03	5.68	9.50	7.12	-9.84%
YoY %	-22.83%	24.37%	-20.87%	-11.44%	-40.21%	33.43%	-	-
Horiz. %	53.65%	69.52%	55.90%	70.65%	79.78%	133.43%	100.00%	-
P/EPS	15.76	22.38	17.17	20.72	22.04	42.77	37.36	-13.38%
YoY %	-29.58%	30.34%	-17.13%	-5.99%	-48.47%	14.48%	-	-
Horiz. %	42.18%	59.90%	45.96%	55.46%	58.99%	114.48%	100.00%	-
EY	6.35	4.47	5.83	4.83	4.54	2.34	2.68	15.44%
YoY %	42.06%	-23.33%	20.70%	6.39%	94.02%	-12.69%	-	-
Horiz. %	236.94%	166.79%	217.54%	180.22%	169.40%	87.31%	100.00%	-
DY	3.31	2.43	3.01	2.99	6.25	0.00	0.00	-
YoY %	36.21%	-19.27%	0.67%	-52.16%	0.00%	0.00%	-	-
Horiz. %	52.96%	38.88%	48.16%	47.84%	100.00%	-	-	-
P/NAPS	3.31	3.91	2.62	3.01	2.49	5.08	4.62	-5.40%
YoY %	-15.35%	49.24%	-12.96%	20.88%	-50.98%	9.96%	-	-
Horiz. %	71.65%	84.63%	56.71%	65.15%	53.90%	109.96%	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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