[RHBBANK] YoY Quarter Result on 30-Jun-2023 [#2]

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Quarter Result
Revenue	4,417,879	4,047,701	2,985,919	2,925,851	3,272,450	3,417,352	2,659,985	8.81%
YoY %	9.15%	35.56%	2.05%	-10.59%	-4.24%	28.47%	-	-
Horiz. %	166.09%	152.17%	112.25%	110.00%	123.03%	128.47%	100.00%	-
PBT	974,256	1,063,090	1,018,802	913,441	514,241	841,513	773,008	3.92%
YoY %	-8.36%	4.35%	11.53%	77.63%	-38.89%	8.86%	-	-
Horiz. %	126.03%	137.53%	131.80%	118.17%	66.52%	108.86%	100.00%	-
Tax	-251,470	-253,391	-383,219	-209,979	-110,566	-224,353	-202,852	3.64%
YoY %	0.76%	33.88%	-82.50%	-89.91%	50.72%	-10.60%	-	-
Horiz. %	123.97%	124.91%	188.92%	103.51%	54.51%	110.60%	100.00%	-
NP	722,786	809,699	635,583	703,462	403,675	617,160	570,156	4.02%
YoY %	-10.73%	27.39%	-9.65%	74.26%	-34.59%	8.24%	-	-
Horiz. %	126.77%	142.01%	111.48%	123.38%	70.80%	108.24%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	722,308	808,700	634,828	701,343	400,770	615,410	570,261	4.01%
YoY %	-10.68%	27.39%	-9.48%	75.00%	-34.88%	7.92%	-	-
Horiz. %	126.66%	141.81%	111.32%	122.99%	70.28%	107.92%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	25.81%	23.84%	37.61%	22.99%	21.50%	26.66%	26.24%	-
YoY %	8.26%	-36.61%	63.59%	6.93%	-19.35%	1.60%	-	-
Horiz. %	98.36%	90.85%	143.33%	87.61%	81.94%	101.60%	100.00%	-
Total Cost	3,695,093	3,238,002	2,350,336	2,222,389	2,868,775	2,800,192	2,089,829	9.95%
YoY %	14.12%	37.77%	5.76%	-22.53%	2.45%	33.99%	-	-
Horiz. %	176.81%	154.94%	112.47%	106.34%	137.27%	133.99%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	31,409,359	29,907,515	27,051,673	27,520,536	26,546,497	24,862,278	22,496,352	5.71%
YoY %	5.02%	10.56%	-1.70%	3.67%	6.77%	10.52%	-	-
Horiz. %	139.62%	132.94%	120.25%	122.33%	118.00%	110.52%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Dividend
Div	648,498	640,125	623,147	601,506	-	501,255	300,753	13.64%
YoY %	1.31%	2.72%	3.60%	0.00%	-	66.67%	-	-
Horiz. %	215.62%	212.84%	207.20%	200.00%	-	166.67%	100.00%	-
Div Payout %	89.78%	79.15%	98.16%	85.76%	-	81.45%	52.74%	-
YoY %	13.43%	-19.37%	14.46%	0.00%	-	54.44%	-	-
Horiz. %	170.23%	150.08%	186.12%	162.61%	-	154.44%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Equity
Net Worth	31,409,359	29,907,515	27,051,673	27,520,536	26,546,497	24,862,278	22,496,352	5.71%
YoY %	5.02%	10.56%	-1.70%	3.67%	6.77%	10.52%	-	-
Horiz. %	139.62%	132.94%	120.25%	122.33%	118.00%	110.52%	100.00%	-
NOSH	4,359,489	4,286,348	4,212,077	4,010,045	4,010,045	4,010,045	4,010,045	1.40%
YoY %	1.71%	1.76%	5.04%	0.00%	0.00%	0.00%	-	-
Horiz. %	108.71%	106.89%	105.04%	100.00%	100.00%	100.00%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Ratio Analysis
NP Margin	16.36%	20.00%	21.29%	24.04%	12.34%	18.06%	21.43%	-
YoY %	-18.20%	-6.06%	-11.44%	94.81%	-31.67%	-15.73%	-	-
Horiz. %	76.34%	93.33%	99.35%	112.18%	57.58%	84.27%	100.00%	-
ROE	2.30%	2.70%	2.35%	2.55%	1.51%	2.48%	2.53%	-
YoY %	-14.81%	14.89%	-7.84%	68.87%	-39.11%	-1.98%	-	-
Horiz. %	90.91%	106.72%	92.89%	100.79%	59.68%	98.02%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Per Share
RPS	102.19	94.85	71.88	72.96	81.61	85.22	66.33	7.46%
YoY %	7.74%	31.96%	-1.48%	-10.60%	-4.24%	28.48%	-	-
Horiz. %	154.06%	143.00%	108.37%	110.00%	123.04%	128.48%	100.00%	-
EPS	16.71	18.95	15.28	17.49	9.99	15.35	14.20	2.74%
YoY %	-11.82%	24.02%	-12.64%	75.08%	-34.92%	8.10%	-	-
Horiz. %	117.68%	133.45%	107.61%	123.17%	70.35%	108.10%	100.00%	-
DPS	15.00	15.00	15.00	15.00	0.00	12.50	7.50	12.23%
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	66.67%	-	-
Horiz. %	200.00%	200.00%	200.00%	200.00%	0.00%	166.67%	100.00%	-
NAPS	7.2651	7.0082	6.5117	6.8629	6.62	6.20	5.61	4.39%
YoY %	3.67%	7.62%	-5.12%	3.67%	6.77%	10.52%	-	-
Horiz. %	129.50%	124.92%	116.07%	122.33%	118.00%	110.52%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Adjusted Per Share Value based on latest NOSH - 4,286,348
RPS	101.34	92.85	68.49	67.11	75.06	78.39	61.02	8.81%
YoY %	9.14%	35.57%	2.06%	-10.59%	-4.25%	28.47%	-	-
Horiz. %	166.08%	152.16%	112.24%	109.98%	123.01%	128.47%	100.00%	-
EPS	16.57	18.55	14.56	16.09	9.19	14.12	13.08	4.01%
YoY %	-10.67%	27.40%	-9.51%	75.08%	-34.92%	7.95%	-	-
Horiz. %	126.68%	141.82%	111.31%	123.01%	70.26%	107.95%	100.00%	-
DPS	14.88	14.68	14.29	13.80	0.00	11.50	6.90	13.65%
YoY %	1.36%	2.73%	3.55%	0.00%	0.00%	66.67%	-	-
Horiz. %	215.65%	212.75%	207.10%	200.00%	0.00%	166.67%	100.00%	-
NAPS	7.2048	6.8603	6.2052	6.3128	6.0894	5.703	5.1603	5.71%
YoY %	5.02%	10.56%	-1.70%	3.67%	6.78%	10.52%	-	-
Horiz. %	139.62%	132.94%	120.25%	122.33%	118.00%	110.52%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Price Multiplier on Financial Quarter End Date
Date	28/06/24	30/06/23	30/06/22	30/06/21	30/06/20	28/06/19	29/06/18	-
Price	5.51	5.43	5.73	5.40	4.79	5.59	5.46	-
P/RPS	5.39	5.72	7.97	7.40	5.87	6.56	8.23	-6.80%
YoY %	-5.77%	-28.23%	7.70%	26.06%	-10.52%	-20.29%	-	-
Horiz. %	65.49%	69.50%	96.84%	89.91%	71.32%	79.71%	100.00%	-
P/EPS	32.98	28.65	37.50	30.88	47.93	36.42	38.39	-2.49%
YoY %	15.11%	-23.60%	21.44%	-35.57%	31.60%	-5.13%	-	-
Horiz. %	85.91%	74.63%	97.68%	80.44%	124.85%	94.87%	100.00%	-
EY	3.03	3.49	2.67	3.24	2.09	2.75	2.60	2.58%
YoY %	-13.18%	30.71%	-17.59%	55.02%	-24.00%	5.77%	-	-
Horiz. %	116.54%	134.23%	102.69%	124.62%	80.38%	105.77%	100.00%	-
DY	2.72	2.76	2.62	2.78	0.00	2.24	1.37	12.09%
YoY %	-1.45%	5.34%	-5.76%	0.00%	0.00%	63.50%	-	-
Horiz. %	198.54%	201.46%	191.24%	202.92%	0.00%	163.50%	100.00%	-
P/NAPS	0.76	0.77	0.88	0.79	0.72	0.90	0.97	-3.98%
YoY %	-1.30%	-12.50%	11.39%	9.72%	-20.00%	-7.22%	-	-
Horiz. %	78.35%	79.38%	90.72%	81.44%	74.23%	92.78%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Price Multiplier on Announcement Date
Date	27/08/24	29/08/23	29/08/22	27/08/21	28/08/20	26/08/19	30/08/18	-
Price	5.92	5.70	5.81	5.51	4.58	5.48	5.40	-
P/RPS	5.79	6.01	8.08	7.55	5.61	6.43	8.14	-5.51%
YoY %	-3.66%	-25.62%	7.02%	34.58%	-12.75%	-21.01%	-	-
Horiz. %	71.13%	73.83%	99.26%	92.75%	68.92%	78.99%	100.00%	-
P/EPS	35.43	30.08	38.02	31.50	45.83	35.71	37.97	-1.14%
YoY %	17.79%	-20.88%	20.70%	-31.27%	28.34%	-5.95%	-	-
Horiz. %	93.31%	79.22%	100.13%	82.96%	120.70%	94.05%	100.00%	-
EY	2.82	3.32	2.63	3.17	2.18	2.80	2.63	1.16%
YoY %	-15.06%	26.24%	-17.03%	45.41%	-22.14%	6.46%	-	-
Horiz. %	107.22%	126.24%	100.00%	120.53%	82.89%	106.46%	100.00%	-
DY	2.53	2.63	2.58	2.72	0.00	2.28	1.39	10.48%
YoY %	-3.80%	1.94%	-5.15%	0.00%	0.00%	64.03%	-	-
Horiz. %	182.01%	189.21%	185.61%	195.68%	0.00%	164.03%	100.00%	-
P/NAPS	0.81	0.81	0.89	0.80	0.69	0.88	0.96	-2.78%
YoY %	0.00%	-8.99%	11.25%	15.94%	-21.59%	-8.33%	-	-
Horiz. %	84.38%	84.38%	92.71%	83.33%	71.88%	91.67%	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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