[RHBBANK] YoY TTM Result on 30-Sep-2023 [#3]

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
TTM Result
Revenue	17,730,205	16,131,608	12,220,295	11,938,344	12,937,281	13,413,241	11,344,710	7.71%
YoY %	9.91%	32.01%	2.36%	-7.72%	-3.55%	18.23%	-	-
Horiz. %	156.29%	142.19%	107.72%	105.23%	114.04%	118.23%	100.00%	-
PBT	3,778,524	4,169,732	3,871,199	3,180,403	2,955,120	3,273,746	2,945,838	4.23%
YoY %	-9.38%	7.71%	21.72%	7.62%	-9.73%	11.13%	-	-
Horiz. %	128.27%	141.55%	131.41%	107.96%	100.32%	111.13%	100.00%	-
Tax	-902,846	-1,172,577	-1,301,858	-749,191	-732,532	-841,159	-742,377	3.31%
YoY %	23.00%	9.93%	-73.77%	-2.27%	12.91%	-13.31%	-	-
Horiz. %	121.62%	157.95%	175.36%	100.92%	98.67%	113.31%	100.00%	-
NP	2,875,678	2,997,155	2,569,341	2,431,212	2,222,588	2,432,587	2,203,461	4.53%
YoY %	-4.05%	16.65%	5.68%	9.39%	-8.63%	10.40%	-	-
Horiz. %	130.51%	136.02%	116.60%	110.34%	100.87%	110.40%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,871,580	2,992,432	2,566,738	2,425,854	2,214,907	2,426,849	2,199,848	4.53%
YoY %	-4.04%	16.59%	5.81%	9.52%	-8.73%	10.32%	-	-
Horiz. %	130.54%	136.03%	116.68%	110.27%	100.68%	110.32%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	23.89%	28.12%	33.63%	23.56%	24.79%	25.69%	25.20%	-
YoY %	-15.04%	-16.38%	42.74%	-4.96%	-3.50%	1.94%	-	-
Horiz. %	94.80%	111.59%	133.45%	93.49%	98.37%	101.94%	100.00%	-
Total Cost	14,854,527	13,134,453	9,650,954	9,507,132	10,714,693	10,980,654	9,141,249	8.42%
YoY %	13.10%	36.09%	1.51%	-11.27%	-2.42%	20.12%	-	-
Horiz. %	162.50%	143.68%	105.58%	104.00%	117.21%	120.12%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	31,727,964	29,910,137	28,044,431	27,827,307	27,308,406	25,824,690	23,338,462	5.24%
YoY %	6.08%	6.65%	0.78%	1.90%	5.75%	10.65%	-	-
Horiz. %	135.95%	128.16%	120.16%	119.23%	117.01%	110.65%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Dividend
Div	1,720,085	1,698,419	1,651,786	1,309,279	741,858	1,022,561	701,757	16.10%
YoY %	1.28%	2.82%	26.16%	76.49%	-27.45%	45.71%	-	-
Horiz. %	245.11%	242.02%	235.38%	186.57%	105.71%	145.71%	100.00%	-
Div Payout %	59.90%	56.76%	64.35%	53.97%	33.49%	42.14%	31.90%	-
YoY %	5.53%	-11.79%	19.23%	61.15%	-20.53%	32.10%	-	-
Horiz. %	187.77%	177.93%	201.72%	169.18%	104.98%	132.10%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Equity
Net Worth	31,727,964	29,910,137	28,044,431	27,827,307	27,308,406	25,824,690	23,338,462	5.24%
YoY %	6.08%	6.65%	0.78%	1.90%	5.75%	10.65%	-	-
Horiz. %	135.95%	128.16%	120.16%	119.23%	117.01%	110.65%	100.00%	-
NOSH	4,359,973	4,286,348	4,212,077	4,068,360	4,010,045	4,010,045	4,010,045	1.40%
YoY %	1.72%	1.76%	3.53%	1.45%	0.00%	0.00%	-	-
Horiz. %	108.73%	106.89%	105.04%	101.45%	100.00%	100.00%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Ratio Analysis
NP Margin	16.22%	18.58%	21.03%	20.36%	17.18%	18.14%	19.42%	-
YoY %	-12.70%	-11.65%	3.29%	18.51%	-5.29%	-6.59%	-	-
Horiz. %	83.52%	95.67%	108.29%	104.84%	88.47%	93.41%	100.00%	-
ROE	9.05%	10.00%	9.15%	8.72%	8.11%	9.40%	9.43%	-
YoY %	-9.50%	9.29%	4.93%	7.52%	-13.72%	-0.32%	-	-
Horiz. %	95.97%	106.04%	97.03%	92.47%	86.00%	99.68%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Per Share
RPS	406.66	376.35	290.13	293.76	322.62	334.49	282.91	6.22%
YoY %	8.05%	29.72%	-1.24%	-8.95%	-3.55%	18.23%	-	-
Horiz. %	143.74%	133.03%	102.55%	103.84%	114.04%	118.23%	100.00%	-
EPS	65.86	69.81	60.94	59.69	55.23	60.52	54.86	3.08%
YoY %	-5.66%	14.56%	2.09%	8.08%	-8.74%	10.32%	-	-
Horiz. %	120.05%	127.25%	111.08%	108.80%	100.67%	110.32%	100.00%	-
DPS	40.00	40.00	39.22	32.65	18.50	25.50	17.50	14.75%
YoY %	0.00%	1.99%	20.12%	76.49%	-27.45%	45.71%	-	-
Horiz. %	228.57%	228.57%	224.11%	186.57%	105.71%	145.71%	100.00%	-
NAPS	7.2771	6.978	6.6581	6.8474	6.81	6.44	5.82	3.79%
YoY %	4.29%	4.80%	-2.76%	0.55%	5.75%	10.65%	-	-
Horiz. %	125.04%	119.90%	114.40%	117.65%	117.01%	110.65%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Adjusted Per Share Value based on latest NOSH - 4,286,348
RPS	406.66	369.99	280.28	273.82	296.73	307.65	260.20	7.71%
YoY %	9.91%	32.01%	2.36%	-7.72%	-3.55%	18.24%	-	-
Horiz. %	156.29%	142.19%	107.72%	105.23%	114.04%	118.24%	100.00%	-
EPS	65.86	68.63	58.87	55.64	50.80	55.66	50.46	4.53%
YoY %	-4.04%	16.58%	5.81%	9.53%	-8.73%	10.31%	-	-
Horiz. %	130.52%	136.01%	116.67%	110.27%	100.67%	110.31%	100.00%	-
DPS	40.00	38.95	37.89	30.03	17.02	23.45	16.10	16.36%
YoY %	2.70%	2.80%	26.17%	76.44%	-27.42%	45.65%	-	-
Horiz. %	248.45%	241.93%	235.34%	186.52%	105.71%	145.65%	100.00%	-
NAPS	7.2771	6.8602	6.4322	6.3824	6.2634	5.9231	5.3529	5.24%
YoY %	6.08%	6.65%	0.78%	1.90%	5.75%	10.65%	-	-
Horiz. %	135.95%	128.16%	120.16%	119.23%	117.01%	110.65%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/24	29/09/23	30/09/22	30/09/21	30/09/20	30/09/19	28/09/18	-
Price	6.18	5.43	5.56	5.46	4.57	5.64	5.40	-
P/RPS	1.52	1.44	1.92	1.86	1.42	1.69	1.91	-3.73%
YoY %	5.56%	-25.00%	3.23%	30.99%	-15.98%	-11.52%	-	-
Horiz. %	79.58%	75.39%	100.52%	97.38%	74.35%	88.48%	100.00%	-
P/EPS	9.38	7.78	9.12	9.15	8.27	9.32	9.84	-0.79%
YoY %	20.57%	-14.69%	-0.33%	10.64%	-11.27%	-5.28%	-	-
Horiz. %	95.33%	79.07%	92.68%	92.99%	84.04%	94.72%	100.00%	-
EY	10.66	12.86	10.96	10.93	12.09	10.73	10.16	0.80%
YoY %	-17.11%	17.34%	0.27%	-9.59%	12.67%	5.61%	-	-
Horiz. %	104.92%	126.57%	107.87%	107.58%	119.00%	105.61%	100.00%	-
DY	6.47	7.37	7.05	5.98	4.05	4.52	3.24	12.20%
YoY %	-12.21%	4.54%	17.89%	47.65%	-10.40%	39.51%	-	-
Horiz. %	199.69%	227.47%	217.59%	184.57%	125.00%	139.51%	100.00%	-
P/NAPS	0.85	0.78	0.84	0.80	0.67	0.88	0.93	-1.48%
YoY %	8.97%	-7.14%	5.00%	19.40%	-23.86%	-5.38%	-	-
Horiz. %	91.40%	83.87%	90.32%	86.02%	72.04%	94.62%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Price Multiplier on Announcement Date
Date	29/11/24	27/11/23	29/11/22	30/11/21	30/11/20	25/11/19	27/11/18	-
Price	6.69	5.57	5.67	5.28	5.15	5.78	5.25	-
P/RPS	1.65	1.48	1.95	1.80	1.60	1.73	1.86	-1.97%
YoY %	11.49%	-24.10%	8.33%	12.50%	-7.51%	-6.99%	-	-
Horiz. %	88.71%	79.57%	104.84%	96.77%	86.02%	93.01%	100.00%	-
P/EPS	10.16	7.98	9.30	8.85	9.32	9.55	9.57	1.00%
YoY %	27.32%	-14.19%	5.08%	-5.04%	-2.41%	-0.21%	-	-
Horiz. %	106.17%	83.39%	97.18%	92.48%	97.39%	99.79%	100.00%	-
EY	9.84	12.53	10.75	11.31	10.73	10.47	10.45	-0.99%
YoY %	-21.47%	16.56%	-4.95%	5.41%	2.48%	0.19%	-	-
Horiz. %	94.16%	119.90%	102.87%	108.23%	102.68%	100.19%	100.00%	-
DY	5.98	7.18	6.92	6.18	3.59	4.41	3.33	10.23%
YoY %	-16.71%	3.76%	11.97%	72.14%	-18.59%	32.43%	-	-
Horiz. %	179.58%	215.62%	207.81%	185.59%	107.81%	132.43%	100.00%	-
P/NAPS	0.92	0.80	0.85	0.77	0.76	0.90	0.90	0.36%
YoY %	15.00%	-5.88%	10.39%	1.32%	-15.56%	0.00%	-	-
Horiz. %	102.22%	88.89%	94.44%	85.56%	84.44%	100.00%	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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