[HLBANK] YoY Quarter Result on 31-Dec-2023 [#2]

	31/12/23	31/12/22	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	CAGR
Quarter Result
Revenue	1,464,714	1,486,301	1,371,167	1,400,088	1,237,544	1,142,170	1,228,555	2.97%
YoY %	-1.45%	8.40%	-2.07%	13.13%	8.35%	-7.03%	-	-
Horiz. %	119.22%	120.98%	111.61%	113.96%	100.73%	92.97%	100.00%	-
PBT	1,340,963	1,287,408	1,076,537	815,290	856,968	823,201	833,099	8.25%
YoY %	4.16%	19.59%	32.04%	-4.86%	4.10%	-1.19%	-	-
Horiz. %	160.96%	154.53%	129.22%	97.86%	102.87%	98.81%	100.00%	-
Tax	-253,022	-245,257	-337,944	-144,502	-155,154	-135,955	-150,028	9.09%
YoY %	-3.17%	27.43%	-133.87%	6.87%	-14.12%	9.38%	-	-
Horiz. %	168.65%	163.47%	225.25%	96.32%	103.42%	90.62%	100.00%	-
NP	1,087,941	1,042,151	738,593	670,788	701,814	687,246	683,071	8.06%
YoY %	4.39%	41.10%	10.11%	-4.42%	2.12%	0.61%	-	-
Horiz. %	159.27%	152.57%	108.13%	98.20%	102.74%	100.61%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	1,087,941	1,042,151	738,593	670,788	701,814	687,246	683,071	8.06%
YoY %	4.39%	41.10%	10.11%	-4.42%	2.12%	0.61%	-	-
Horiz. %	159.27%	152.57%	108.13%	98.20%	102.74%	100.61%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	18.87%	19.05%	31.39%	17.72%	18.10%	16.52%	18.01%	-
YoY %	-0.94%	-39.31%	77.14%	-2.10%	9.56%	-8.27%	-	-
Horiz. %	104.78%	105.77%	174.29%	98.39%	100.50%	91.73%	100.00%	-
Total Cost	376,773	444,150	632,574	729,300	535,730	454,924	545,484	-5.97%
YoY %	-15.17%	-29.79%	-13.26%	36.13%	17.76%	-16.60%	-	-
Horiz. %	69.07%	81.42%	115.97%	133.70%	98.21%	83.40%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	35,533,145	32,079,791	30,062,673	28,251,912	26,051,994	24,468,126	23,197,104	7.36%
YoY %	10.76%	6.71%	6.41%	8.44%	6.47%	5.48%	-	-
Horiz. %	153.18%	138.29%	129.60%	121.79%	112.31%	105.48%	100.00%	-

	31/12/23	31/12/22	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	CAGR
Dividend
Div	512,300	430,188	368,615	302,582	327,440	327,332	327,296	7.74%
YoY %	19.09%	16.70%	21.82%	-7.59%	0.03%	0.01%	-	-
Horiz. %	156.52%	131.44%	112.62%	92.45%	100.04%	100.01%	100.00%	-
Div Payout %	47.09%	41.28%	49.91%	45.11%	46.66%	47.63%	47.92%	-
YoY %	14.07%	-17.29%	10.64%	-3.32%	-2.04%	-0.61%	-	-
Horiz. %	98.27%	86.14%	104.15%	94.14%	97.37%	99.39%	100.00%	-

	31/12/23	31/12/22	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	CAGR
Equity
Net Worth	35,533,145	32,079,791	30,062,673	28,251,912	26,051,994	24,468,126	23,197,104	7.36%
YoY %	10.76%	6.71%	6.41%	8.44%	6.47%	5.48%	-	-
Horiz. %	153.18%	138.29%	129.60%	121.79%	112.31%	105.48%	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%	-

	31/12/23	31/12/22	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	CAGR
Ratio Analysis
NP Margin	74.28%	70.12%	53.87%	47.91%	56.71%	60.17%	55.60%	-
YoY %	5.93%	30.17%	12.44%	-15.52%	-5.75%	8.22%	-	-
Horiz. %	133.60%	126.12%	96.89%	86.17%	102.00%	108.22%	100.00%	-
ROE	3.06%	3.25%	2.46%	2.37%	2.69%	2.81%	2.94%	-
YoY %	-5.85%	32.11%	3.80%	-11.90%	-4.27%	-4.42%	-	-
Horiz. %	104.08%	110.54%	83.67%	80.61%	91.50%	95.58%	100.00%	-

	31/12/23	31/12/22	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	CAGR
Per Share
RPS	71.48	72.55	66.96	68.39	60.47	55.83	60.06	2.94%
YoY %	-1.47%	8.35%	-2.09%	13.10%	8.31%	-7.04%	-	-
Horiz. %	119.01%	120.80%	111.49%	113.87%	100.68%	92.96%	100.00%	-
EPS	53.09	50.87	36.07	32.77	34.29	33.59	33.39	8.03%
YoY %	4.36%	41.03%	10.07%	-4.43%	2.08%	0.60%	-	-
Horiz. %	159.00%	152.35%	108.03%	98.14%	102.70%	100.60%	100.00%	-
DPS	25.00	21.00	18.00	14.78	16.00	16.00	16.00	7.71%
YoY %	19.05%	16.67%	21.79%	-7.63%	0.00%	0.00%	-	-
Horiz. %	156.25%	131.25%	112.50%	92.38%	100.00%	100.00%	100.00%	-
NAPS	17.34	15.66	14.68	13.80	12.73	11.96	11.34	7.33%
YoY %	10.73%	6.68%	6.38%	8.41%	6.44%	5.47%	-	-
Horiz. %	152.91%	138.10%	129.45%	121.69%	112.26%	105.47%	100.00%	-

	31/12/23	31/12/22	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	CAGR
Adjusted Per Share Value based on latest NOSH - 2,167,718
RPS	67.57	68.57	63.25	64.59	57.09	52.69	56.68	2.97%
YoY %	-1.46%	8.41%	-2.07%	13.14%	8.35%	-7.04%	-	-
Horiz. %	119.21%	120.98%	111.59%	113.96%	100.72%	92.96%	100.00%	-
EPS	50.19	48.08	34.07	30.94	32.38	31.70	31.51	8.06%
YoY %	4.39%	41.12%	10.12%	-4.45%	2.15%	0.60%	-	-
Horiz. %	159.28%	152.59%	108.12%	98.19%	102.76%	100.60%	100.00%	-
DPS	23.63	19.85	17.00	13.96	15.11	15.10	15.10	7.74%
YoY %	19.04%	16.76%	21.78%	-7.61%	0.07%	0.00%	-	-
Horiz. %	156.49%	131.46%	112.58%	92.45%	100.07%	100.00%	100.00%	-
NAPS	16.392	14.7989	13.8683	13.033	12.0182	11.2875	10.7012	7.36%
YoY %	10.76%	6.71%	6.41%	8.44%	6.47%	5.48%	-	-
Horiz. %	153.18%	138.29%	129.60%	121.79%	112.31%	105.48%	100.00%	-

	31/12/23	31/12/22	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	CAGR
Price Multiplier on Financial Quarter End Date
Date	29/12/23	30/12/22	31/12/21	31/12/20	31/12/19	31/12/18	29/12/17	-
Price	18.90	20.56	18.62	18.20	17.30	20.40	17.00	-
P/RPS	26.44	28.34	27.81	26.61	28.61	36.54	28.31	-1.13%
YoY %	-6.70%	1.91%	4.51%	-6.99%	-21.70%	29.07%	-	-
Horiz. %	93.39%	100.11%	98.23%	94.00%	101.06%	129.07%	100.00%	-
P/EPS	35.60	40.41	51.63	55.55	50.45	60.73	50.91	-5.78%
YoY %	-11.90%	-21.73%	-7.06%	10.11%	-16.93%	19.29%	-	-
Horiz. %	69.93%	79.38%	101.41%	109.11%	99.10%	119.29%	100.00%	-
EY	2.81	2.47	1.94	1.80	1.98	1.65	1.96	6.18%
YoY %	13.77%	27.32%	7.78%	-9.09%	20.00%	-15.82%	-	-
Horiz. %	143.37%	126.02%	98.98%	91.84%	101.02%	84.18%	100.00%	-
DY	1.32	1.02	0.97	0.81	0.92	0.78	0.94	5.81%
YoY %	29.41%	5.15%	19.75%	-11.96%	17.95%	-17.02%	-	-
Horiz. %	140.43%	108.51%	103.19%	86.17%	97.87%	82.98%	100.00%	-
P/NAPS	1.09	1.31	1.27	1.32	1.36	1.71	1.50	-5.18%
YoY %	-16.79%	3.15%	-3.79%	-2.94%	-20.47%	14.00%	-	-
Horiz. %	72.67%	87.33%	84.67%	88.00%	90.67%	114.00%	100.00%	-

	31/12/23	31/12/22	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	CAGR
Price Multiplier on Announcement Date
Date	28/02/24	28/02/23	28/02/22	26/02/21	26/02/20	26/02/19	26/02/18	-
Price	19.62	20.54	20.08	18.00	15.20	21.30	18.52	-
P/RPS	27.45	28.31	29.99	26.32	25.14	38.15	30.84	-1.92%
YoY %	-3.04%	-5.60%	13.94%	4.69%	-34.10%	23.70%	-	-
Horiz. %	89.01%	91.80%	97.24%	85.34%	81.52%	123.70%	100.00%	-
P/EPS	36.96	40.37	55.67	54.94	44.32	63.41	55.46	-6.53%
YoY %	-8.45%	-27.48%	1.33%	23.96%	-30.11%	14.33%	-	-
Horiz. %	66.64%	72.79%	100.38%	99.06%	79.91%	114.33%	100.00%	-
EY	2.71	2.48	1.80	1.82	2.26	1.58	1.80	7.05%
YoY %	9.27%	37.78%	-1.10%	-19.47%	43.04%	-12.22%	-	-
Horiz. %	150.56%	137.78%	100.00%	101.11%	125.56%	87.78%	100.00%	-
DY	1.27	1.02	0.90	0.82	1.05	0.75	0.86	6.70%
YoY %	24.51%	13.33%	9.76%	-21.90%	40.00%	-12.79%	-	-
Horiz. %	147.67%	118.60%	104.65%	95.35%	122.09%	87.21%	100.00%	-
P/NAPS	1.13	1.31	1.37	1.30	1.19	1.78	1.63	-5.92%
YoY %	-13.74%	-4.38%	5.38%	9.24%	-33.15%	9.20%	-	-
Horiz. %	69.33%	80.37%	84.05%	79.75%	73.01%	109.20%	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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