[HLBANK] YoY Cumulative Quarter Result on 31-Mar-2020 [#3]

	31/03/23	31/03/22	31/03/21	31/03/20	31/03/19	31/03/18	31/03/17	CAGR
Cumulative Result
Revenue	4,382,347	4,099,013	4,134,582	3,581,702	3,558,011	3,663,251	3,398,731	4.32%
YoY %	6.91%	-0.86%	15.44%	0.67%	-2.87%	7.78%	-	-
Horiz. %	128.94%	120.60%	121.65%	105.38%	104.69%	107.78%	100.00%	-
PBT	3,586,255	3,149,472	2,646,328	2,340,715	2,452,991	2,468,617	2,068,293	9.60%
YoY %	13.87%	19.01%	13.06%	-4.58%	-0.63%	19.36%	-	-
Horiz. %	173.39%	152.27%	127.95%	113.17%	118.60%	119.36%	100.00%	-
Tax	-632,736	-767,829	-475,170	-415,533	-424,932	-456,547	-406,194	7.66%
YoY %	17.59%	-61.59%	-14.35%	2.21%	6.92%	-12.40%	-	-
Horiz. %	155.77%	189.03%	116.98%	102.30%	104.61%	112.40%	100.00%	-
NP	2,953,519	2,381,643	2,171,158	1,925,182	2,028,059	2,012,070	1,662,099	10.05%
YoY %	24.01%	9.69%	12.78%	-5.07%	0.79%	21.06%	-	-
Horiz. %	177.70%	143.29%	130.63%	115.83%	122.02%	121.06%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,953,519	2,381,643	2,171,158	1,925,182	2,028,059	2,012,070	1,662,099	10.05%
YoY %	24.01%	9.69%	12.78%	-5.07%	0.79%	21.06%	-	-
Horiz. %	177.70%	143.29%	130.63%	115.83%	122.02%	121.06%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	17.64%	24.38%	17.96%	17.75%	17.32%	18.49%	19.64%	-
YoY %	-27.65%	35.75%	1.18%	2.48%	-6.33%	-5.86%	-	-
Horiz. %	89.82%	124.13%	91.45%	90.38%	88.19%	94.14%	100.00%	-
Total Cost	1,428,828	1,717,370	1,963,424	1,656,520	1,529,952	1,651,181	1,736,632	-3.19%
YoY %	-16.80%	-12.53%	18.53%	8.27%	-7.34%	-4.92%	-	-
Horiz. %	82.28%	98.89%	113.06%	95.39%	88.10%	95.08%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	32,922,045	30,351,463	28,539,430	26,360,066	24,898,371	23,340,592	22,091,076	6.87%
YoY %	8.47%	6.35%	8.27%	5.87%	6.67%	5.66%	-	-
Horiz. %	149.03%	137.39%	129.19%	119.32%	112.71%	105.66%	100.00%	-

	31/03/23	31/03/22	31/03/21	31/03/20	31/03/19	31/03/18	31/03/17	CAGR
Dividend
Div	450,706	368,641	302,591	327,454	327,340	327,300	306,820	6.61%
YoY %	22.26%	21.83%	-7.59%	0.03%	0.01%	6.67%	-	-
Horiz. %	146.90%	120.15%	98.62%	106.73%	106.69%	106.67%	100.00%	-
Div Payout %	15.26%	15.48%	13.94%	17.01%	16.14%	16.27%	18.46%	-
YoY %	-1.42%	11.05%	-18.05%	5.39%	-0.80%	-11.86%	-	-
Horiz. %	82.67%	83.86%	75.51%	92.15%	87.43%	88.14%	100.00%	-

	31/03/23	31/03/22	31/03/21	31/03/20	31/03/19	31/03/18	31/03/17	CAGR
Equity
Net Worth	32,922,045	30,351,463	28,539,430	26,360,066	24,898,371	23,340,592	22,091,076	6.87%
YoY %	8.47%	6.35%	8.27%	5.87%	6.67%	5.66%	-	-
Horiz. %	149.03%	137.39%	129.19%	119.32%	112.71%	105.66%	100.00%	-
NOSH	2,167,718	2,167,718	2,167,718	2,167,718	2,167,718	2,167,718	2,167,718	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%	-

	31/03/23	31/03/22	31/03/21	31/03/20	31/03/19	31/03/18	31/03/17	CAGR
Ratio Analysis
NP Margin	67.40%	58.10%	52.51%	53.75%	57.00%	54.93%	48.90%	-
YoY %	16.01%	10.65%	-2.31%	-5.70%	3.77%	12.33%	-	-
Horiz. %	137.83%	118.81%	107.38%	109.92%	116.56%	112.33%	100.00%	-
ROE	8.97%	7.85%	7.61%	7.30%	8.15%	8.62%	7.52%	-
YoY %	14.27%	3.15%	4.25%	-10.43%	-5.45%	14.63%	-	-
Horiz. %	119.28%	104.39%	101.20%	97.07%	108.38%	114.63%	100.00%	-

	31/03/23	31/03/22	31/03/21	31/03/20	31/03/19	31/03/18	31/03/17	CAGR
Per Share
RPS	213.91	200.15	201.95	175.01	173.91	179.08	166.16	4.29%
YoY %	6.87%	-0.89%	15.39%	0.63%	-2.89%	7.78%	-	-
Horiz. %	128.74%	120.46%	121.54%	105.33%	104.66%	107.78%	100.00%	-
EPS	144.17	116.29	106.05	94.07	99.13	98.36	81.26	10.02%
YoY %	23.97%	9.66%	12.74%	-5.10%	0.78%	21.04%	-	-
Horiz. %	177.42%	143.11%	130.51%	115.76%	121.99%	121.04%	100.00%	-
DPS	22.00	18.00	14.78	16.00	16.00	16.00	15.00	6.58%
YoY %	22.22%	21.79%	-7.63%	0.00%	0.00%	6.67%	-	-
Horiz. %	146.67%	120.00%	98.53%	106.67%	106.67%	106.67%	100.00%	-
NAPS	16.07	14.82	13.94	12.88	12.17	11.41	10.80	6.84%
YoY %	8.43%	6.31%	8.23%	5.83%	6.66%	5.65%	-	-
Horiz. %	148.80%	137.22%	129.07%	119.26%	112.69%	105.65%	100.00%	-

	31/03/23	31/03/22	31/03/21	31/03/20	31/03/19	31/03/18	31/03/17	CAGR
Adjusted Per Share Value based on latest NOSH - 2,167,718
RPS	213.78	199.96	201.69	174.72	173.57	178.70	165.80	4.32%
YoY %	6.91%	-0.86%	15.44%	0.66%	-2.87%	7.78%	-	-
Horiz. %	128.94%	120.60%	121.65%	105.38%	104.69%	107.78%	100.00%	-
EPS	144.08	116.18	105.91	93.91	98.93	98.15	81.08	10.05%
YoY %	24.01%	9.70%	12.78%	-5.07%	0.79%	21.05%	-	-
Horiz. %	177.70%	143.29%	130.62%	115.82%	122.02%	121.05%	100.00%	-
DPS	21.99	17.98	14.76	15.97	15.97	15.97	14.97	6.61%
YoY %	22.30%	21.82%	-7.58%	0.00%	0.00%	6.68%	-	-
Horiz. %	146.89%	120.11%	98.60%	106.68%	106.68%	106.68%	100.00%	-
NAPS	16.06	14.806	13.9221	12.8589	12.1459	11.386	10.7764	6.87%
YoY %	8.47%	6.35%	8.27%	5.87%	6.67%	5.66%	-	-
Horiz. %	149.03%	137.39%	129.19%	119.32%	112.71%	105.66%	100.00%	-

	31/03/23	31/03/22	31/03/21	31/03/20	31/03/19	31/03/18	31/03/17	CAGR
Price Multiplier on Financial Quarter End Date
Date	31/03/23	31/03/22	31/03/21	31/03/20	29/03/19	30/03/18	31/03/17	-
Price	20.22	20.20	18.70	13.46	20.30	18.80	13.76	-
P/RPS	9.45	10.09	9.26	7.69	11.67	10.50	8.28	2.22%
YoY %	-6.34%	8.96%	20.42%	-34.10%	11.14%	26.81%	-	-
Horiz. %	114.13%	121.86%	111.84%	92.87%	140.94%	126.81%	100.00%	-
P/EPS	14.03	17.37	17.63	14.31	20.48	19.11	16.93	-3.08%
YoY %	-19.23%	-1.47%	23.20%	-30.13%	7.17%	12.88%	-	-
Horiz. %	82.87%	102.60%	104.13%	84.52%	120.97%	112.88%	100.00%	-
EY	7.13	5.76	5.67	6.99	4.88	5.23	5.91	3.17%
YoY %	23.78%	1.59%	-18.88%	43.24%	-6.69%	-11.51%	-	-
Horiz. %	120.64%	97.46%	95.94%	118.27%	82.57%	88.49%	100.00%	-
DY	1.09	0.89	0.79	1.19	0.79	0.85	1.09	0.00%
YoY %	22.47%	12.66%	-33.61%	50.63%	-7.06%	-22.02%	-	-
Horiz. %	100.00%	81.65%	72.48%	109.17%	72.48%	77.98%	100.00%	-
P/NAPS	1.26	1.36	1.34	1.05	1.67	1.65	1.27	-0.13%
YoY %	-7.35%	1.49%	27.62%	-37.13%	1.21%	29.92%	-	-
Horiz. %	99.21%	107.09%	105.51%	82.68%	131.50%	129.92%	100.00%	-

	31/03/23	31/03/22	31/03/21	31/03/20	31/03/19	31/03/18	31/03/17	CAGR
Price Multiplier on Announcement Date
Date	31/05/23	30/05/22	27/05/21	29/05/20	28/05/19	30/05/18	29/05/17	-
Price	19.54	21.12	17.90	13.66	18.94	18.60	13.96	-
P/RPS	9.13	10.55	8.86	7.81	10.89	10.39	8.40	1.39%
YoY %	-13.46%	19.07%	13.44%	-28.28%	4.81%	23.69%	-	-
Horiz. %	108.69%	125.60%	105.48%	92.98%	129.64%	123.69%	100.00%	-
P/EPS	13.55	18.16	16.88	14.52	19.11	18.91	17.18	-3.87%
YoY %	-25.39%	7.58%	16.25%	-24.02%	1.06%	10.07%	-	-
Horiz. %	78.87%	105.70%	98.25%	84.52%	111.23%	110.07%	100.00%	-
EY	7.38	5.51	5.92	6.89	5.23	5.29	5.82	4.03%
YoY %	33.94%	-6.93%	-14.08%	31.74%	-1.13%	-9.11%	-	-
Horiz. %	126.80%	94.67%	101.72%	118.38%	89.86%	90.89%	100.00%	-
DY	1.13	0.85	0.83	1.17	0.84	0.86	1.07	0.91%
YoY %	32.94%	2.41%	-29.06%	39.29%	-2.33%	-19.63%	-	-
Horiz. %	105.61%	79.44%	77.57%	109.35%	78.50%	80.37%	100.00%	-
P/NAPS	1.22	1.43	1.28	1.06	1.56	1.63	1.29	-0.92%
YoY %	-14.69%	11.72%	20.75%	-32.05%	-4.29%	26.36%	-	-
Horiz. %	94.57%	110.85%	99.22%	82.17%	120.93%	126.36%	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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