[PBBANK] YoY Cumulative Quarter Result on 30-Sep-2008 [#3]

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Cumulative Result
Revenue	9,434,727	8,064,403	7,220,116	7,942,750	6,984,520	5,525,385	4,360,348	13.72%
YoY %	16.99%	11.69%	-9.10%	13.72%	26.41%	26.72%	-	-
Horiz. %	216.38%	184.95%	165.59%	182.16%	160.18%	126.72%	100.00%	-
PBT	3,666,132	2,955,933	2,421,218	2,566,245	2,182,437	1,767,113	1,501,289	16.03%
YoY %	24.03%	22.08%	-5.65%	17.59%	23.50%	17.71%	-	-
Horiz. %	244.20%	196.89%	161.28%	170.94%	145.37%	117.71%	100.00%	-
Tax	-864,088	-716,951	-558,041	-600,192	-588,494	-433,276	-382,804	14.52%
YoY %	-20.52%	-28.48%	7.02%	-1.99%	-35.82%	-13.18%	-	-
Horiz. %	225.73%	187.29%	145.78%	156.79%	153.73%	113.18%	100.00%	-
NP	2,802,044	2,238,982	1,863,177	1,966,053	1,593,943	1,333,837	1,118,485	16.53%
YoY %	25.15%	20.17%	-5.23%	23.35%	19.50%	19.25%	-	-
Horiz. %	250.52%	200.18%	166.58%	175.78%	142.51%	119.25%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,770,897	2,202,036	1,839,071	1,927,262	1,543,955	1,281,625	1,059,147	17.37%
YoY %	25.83%	19.74%	-4.58%	24.83%	20.47%	21.01%	-	-
Horiz. %	261.62%	207.91%	173.64%	181.96%	145.77%	121.01%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	23.57%	24.25%	23.05%	23.39%	26.96%	24.52%	25.50%	-
YoY %	-2.80%	5.21%	-1.45%	-13.24%	9.95%	-3.84%	-	-
Horiz. %	92.43%	95.10%	90.39%	91.73%	105.73%	96.16%	100.00%	-
Total Cost	6,632,683	5,825,421	5,356,939	5,976,697	5,390,577	4,191,548	3,241,863	12.66%
YoY %	13.86%	8.75%	-10.37%	10.87%	28.61%	29.29%	-	-
Horiz. %	204.59%	179.69%	165.24%	184.36%	166.28%	129.29%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	10,505,734	12,163,261	10,225,590	9,181,001	8,830,939	8,386,127	7,288,595	6.28%
YoY %	-13.63%	18.95%	11.38%	3.96%	5.30%	15.06%	-	-
Horiz. %	144.14%	166.88%	140.30%	125.96%	121.16%	115.06%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Dividend
Div	700,382	873,546	1,028,179	1,006,578	838,741	661,653	655,007	1.12%
YoY %	-19.82%	-15.04%	2.15%	20.01%	26.76%	1.01%	-	-
Horiz. %	106.93%	133.36%	156.97%	153.67%	128.05%	101.01%	100.00%	-
Div Payout %	25.28%	39.67%	55.91%	52.23%	54.32%	51.63%	61.84%	-
YoY %	-36.27%	-29.05%	7.05%	-3.85%	5.21%	-16.51%	-	-
Horiz. %	40.88%	64.15%	90.41%	84.46%	87.84%	83.49%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Equity
Net Worth	10,505,734	12,163,261	10,225,590	9,181,001	8,830,939	8,386,127	7,288,595	6.28%
YoY %	-13.63%	18.95%	11.38%	3.96%	5.30%	15.06%	-	-
Horiz. %	144.14%	166.88%	140.30%	125.96%	121.16%	115.06%	100.00%	-
NOSH	3,501,911	3,494,185	3,427,266	3,355,261	3,354,965	3,308,267	3,275,037	1.12%
YoY %	0.22%	1.95%	2.15%	0.01%	1.41%	1.01%	-	-
Horiz. %	106.93%	106.69%	104.65%	102.45%	102.44%	101.01%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Ratio Analysis
NP Margin	29.70%	27.76%	25.81%	24.75%	22.82%	24.14%	25.65%	-
YoY %	6.99%	7.56%	4.28%	8.46%	-5.47%	-5.89%	-	-
Horiz. %	115.79%	108.23%	100.62%	96.49%	88.97%	94.11%	100.00%	-
ROE	26.38%	18.10%	17.98%	20.99%	17.48%	15.28%	14.53%	-
YoY %	45.75%	0.67%	-14.34%	20.08%	14.40%	5.16%	-	-
Horiz. %	181.56%	124.57%	123.74%	144.46%	120.30%	105.16%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Per Share
RPS	269.42	230.79	210.67	236.73	208.18	167.02	133.14	12.45%
YoY %	16.74%	9.55%	-11.01%	13.71%	24.64%	25.45%	-	-
Horiz. %	202.36%	173.34%	158.23%	177.81%	156.36%	125.45%	100.00%	-
EPS	79.12	63.02	53.66	57.44	46.02	38.74	32.34	16.07%
YoY %	25.55%	17.44%	-6.58%	24.82%	18.79%	19.79%	-	-
Horiz. %	244.65%	194.87%	165.92%	177.61%	142.30%	119.79%	100.00%	-
DPS	20.00	25.00	30.00	30.00	25.00	20.00	20.00	0.00%
YoY %	-20.00%	-16.67%	0.00%	20.00%	25.00%	0.00%	-	-
Horiz. %	100.00%	125.00%	150.00%	150.00%	125.00%	100.00%	100.00%	-
NAPS	3.00	3.481	2.9836	2.7363	2.6322	2.5349	2.2255	5.10%
YoY %	-13.82%	16.67%	9.04%	3.95%	3.84%	13.90%	-	-
Horiz. %	134.80%	156.41%	134.06%	122.95%	118.27%	113.90%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Adjusted Per Share Value based on latest NOSH - 3,355,144
RPS	48.61	41.55	37.20	40.92	35.98	28.47	22.46	13.72%
YoY %	16.99%	11.69%	-9.09%	13.73%	26.38%	26.76%	-	-
Horiz. %	216.43%	185.00%	165.63%	182.19%	160.20%	126.76%	100.00%	-
EPS	14.28	11.34	9.47	9.93	7.95	6.60	5.46	17.37%
YoY %	25.93%	19.75%	-4.63%	24.91%	20.45%	20.88%	-	-
Horiz. %	261.54%	207.69%	173.44%	181.87%	145.60%	120.88%	100.00%	-
DPS	3.61	4.50	5.30	5.19	4.32	3.41	3.37	1.15%
YoY %	-19.78%	-15.09%	2.12%	20.14%	26.69%	1.19%	-	-
Horiz. %	107.12%	133.53%	157.27%	154.01%	128.19%	101.19%	100.00%	-
NAPS	0.5412	0.6266	0.5268	0.473	0.455	0.432	0.3755	6.27%
YoY %	-13.63%	18.94%	11.37%	3.96%	5.32%	15.05%	-	-
Horiz. %	144.13%	166.87%	140.29%	125.97%	121.17%	115.05%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/11	30/09/10	30/09/09	30/09/08	28/09/07	29/09/06	30/09/05	-
Price	12.20	12.56	10.20	10.00	9.95	6.85	6.75	-
P/RPS	4.53	5.44	4.84	4.22	4.78	4.10	5.07	-1.85%
YoY %	-16.73%	12.40%	14.69%	-11.72%	16.59%	-19.13%	-	-
Horiz. %	89.35%	107.30%	95.46%	83.23%	94.28%	80.87%	100.00%	-
P/EPS	15.42	19.93	19.01	17.41	21.62	17.68	20.87	-4.91%
YoY %	-22.63%	4.84%	9.19%	-19.47%	22.29%	-15.29%	-	-
Horiz. %	73.89%	95.50%	91.09%	83.42%	103.59%	84.71%	100.00%	-
EY	6.49	5.02	5.26	5.74	4.63	5.66	4.79	5.19%
YoY %	29.28%	-4.56%	-8.36%	23.97%	-18.20%	18.16%	-	-
Horiz. %	135.49%	104.80%	109.81%	119.83%	96.66%	118.16%	100.00%	-
DY	1.64	1.99	2.94	3.00	2.51	2.92	2.96	-9.36%
YoY %	-17.59%	-32.31%	-2.00%	19.52%	-14.04%	-1.35%	-	-
Horiz. %	55.41%	67.23%	99.32%	101.35%	84.80%	98.65%	100.00%	-
P/NAPS	4.07	3.61	3.42	3.65	3.78	2.70	3.03	5.03%
YoY %	12.74%	5.56%	-6.30%	-3.44%	40.00%	-10.89%	-	-
Horiz. %	134.32%	119.14%	112.87%	120.46%	124.75%	89.11%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Price Multiplier on Announcement Date
Date	17/10/11	18/10/10	15/10/09	14/10/08	16/10/07	17/10/06	18/10/05	-
Price	12.50	12.58	10.62	9.05	10.30	6.65	6.70	-
P/RPS	4.64	5.45	5.04	3.82	4.95	3.98	5.03	-1.33%
YoY %	-14.86%	8.13%	31.94%	-22.83%	24.37%	-20.87%	-	-
Horiz. %	92.25%	108.35%	100.20%	75.94%	98.41%	79.13%	100.00%	-
P/EPS	15.80	19.96	19.79	15.76	22.38	17.17	20.72	-4.41%
YoY %	-20.84%	0.86%	25.57%	-29.58%	30.34%	-17.13%	-	-
Horiz. %	76.25%	96.33%	95.51%	76.06%	108.01%	82.87%	100.00%	-
EY	6.33	5.01	5.05	6.35	4.47	5.83	4.83	4.60%
YoY %	26.35%	-0.79%	-20.47%	42.06%	-23.33%	20.70%	-	-
Horiz. %	131.06%	103.73%	104.55%	131.47%	92.55%	120.70%	100.00%	-
DY	1.60	1.99	2.82	3.31	2.43	3.01	2.99	-9.89%
YoY %	-19.60%	-29.43%	-14.80%	36.21%	-19.27%	0.67%	-	-
Horiz. %	53.51%	66.56%	94.31%	110.70%	81.27%	100.67%	100.00%	-
P/NAPS	4.17	3.61	3.56	3.31	3.91	2.62	3.01	5.58%
YoY %	15.51%	1.40%	7.55%	-15.35%	49.24%	-12.96%	-	-
Horiz. %	138.54%	119.93%	118.27%	109.97%	129.90%	87.04%	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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