[RHBBANK] QoQ Annualized Quarter Result on 30-Sep-2008 [#3]

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Annualized Quarter Result
Revenue	5,391,330	5,426,984	6,000,771	6,006,373	6,003,554	6,012,052	6,156,821	-8.47%
YoY %	-0.66%	-9.56%	-0.09%	0.05%	-0.14%	-2.35%	-	-
Horiz. %	87.57%	88.15%	97.47%	97.56%	97.51%	97.65%	100.00%	-
PBT	1,430,116	1,259,988	1,422,449	1,547,326	1,343,526	1,239,508	1,136,913	16.54%
YoY %	13.50%	-11.42%	-8.07%	15.17%	8.39%	9.02%	-	-
Horiz. %	125.79%	110.83%	125.12%	136.10%	118.17%	109.02%	100.00%	-
Tax	-362,060	-339,104	-372,694	-409,913	-354,596	-349,152	-314,848	9.77%
YoY %	-6.77%	9.01%	9.08%	-15.60%	-1.56%	-10.90%	-	-
Horiz. %	115.00%	107.70%	118.37%	130.19%	112.62%	110.90%	100.00%	-
NP	1,068,056	920,884	1,049,755	1,137,413	988,930	890,356	822,065	19.08%
YoY %	15.98%	-12.28%	-7.71%	15.01%	11.07%	8.31%	-	-
Horiz. %	129.92%	112.02%	127.70%	138.36%	120.30%	108.31%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	1,060,340	914,564	1,048,734	1,135,780	986,982	889,688	712,930	30.32%
YoY %	15.94%	-12.79%	-7.66%	15.08%	10.94%	24.79%	-	-
Horiz. %	148.73%	128.28%	147.10%	159.31%	138.44%	124.79%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	25.32%	26.91%	26.20%	26.49%	26.39%	28.17%	27.69%	-
YoY %	-5.91%	2.71%	-1.09%	0.38%	-6.32%	1.73%	-	-
Horiz. %	91.44%	97.18%	94.62%	95.67%	95.31%	101.73%	100.00%	-
Total Cost	4,323,274	4,506,100	4,951,016	4,868,960	5,014,624	5,121,696	5,334,756	-13.08%
YoY %	-4.06%	-8.99%	1.69%	-2.90%	-2.09%	-3.99%	-	-
Horiz. %	81.04%	84.47%	92.81%	91.27%	94.00%	96.01%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	8,060,308	8,024,004	7,817,052	7,528,844	7,219,191	7,255,707	6,511,958	15.29%
YoY %	0.45%	2.65%	3.83%	4.29%	-0.50%	11.42%	-	-
Horiz. %	123.78%	123.22%	120.04%	115.62%	110.86%	111.42%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Dividend
Div	215,516	-	422,077	258,131	387,896	-	270,833	-14.13%
YoY %	0.00%	-	63.51%	-33.45%	0.00%	-	-	-
Horiz. %	79.58%	-	155.84%	95.31%	143.22%	-	100.00%	-
Div Payout %	20.33%	-	40.25%	22.73%	39.30%	-	37.99%	-
YoY %	0.00%	-	77.08%	-42.16%	0.00%	-	-	-
Horiz. %	53.51%	-	105.95%	59.83%	103.45%	-	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Equity
Net Worth	8,060,308	8,024,004	7,817,052	7,528,844	7,219,191	7,255,707	6,511,958	15.29%
YoY %	0.45%	2.65%	3.83%	4.29%	-0.50%	11.42%	-	-
Horiz. %	123.78%	123.22%	120.04%	115.62%	110.86%	111.42%	100.00%	-
NOSH	2,155,162	2,156,990	2,153,457	2,151,098	2,154,982	2,159,436	1,991,424	5.41%
YoY %	-0.08%	0.16%	0.11%	-0.18%	-0.21%	8.44%	-	-
Horiz. %	108.22%	108.31%	108.14%	108.02%	108.21%	108.44%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Ratio Analysis
NP Margin	19.81%	16.97%	17.49%	18.94%	16.47%	14.81%	13.35%	-
YoY %	16.74%	-2.97%	-7.66%	15.00%	11.21%	10.94%	-	-
Horiz. %	148.39%	127.12%	131.01%	141.87%	123.37%	110.94%	100.00%	-
ROE	13.16%	11.40%	13.42%	15.09%	13.67%	12.26%	10.95%	-
YoY %	15.44%	-15.05%	-11.07%	10.39%	11.50%	11.96%	-	-
Horiz. %	120.18%	104.11%	122.56%	137.81%	124.84%	111.96%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Per Share
RPS	250.16	251.60	278.66	279.22	278.59	278.41	309.17	-13.17%
YoY %	-0.57%	-9.71%	-0.20%	0.23%	0.06%	-9.95%	-	-
Horiz. %	80.91%	81.38%	90.13%	90.31%	90.11%	90.05%	100.00%	-
EPS	49.20	42.40	48.70	52.80	45.80	41.20	35.80	23.63%
YoY %	16.04%	-12.94%	-7.77%	15.28%	11.17%	15.08%	-	-
Horiz. %	137.43%	118.44%	136.03%	147.49%	127.93%	115.08%	100.00%	-
DPS	10.00	0.00	19.60	12.00	18.00	0.00	13.60	-18.54%
YoY %	0.00%	0.00%	63.33%	-33.33%	0.00%	0.00%	-	-
Horiz. %	73.53%	0.00%	144.12%	88.24%	132.35%	0.00%	100.00%	-
NAPS	3.74	3.72	3.63	3.50	3.35	3.36	3.27	9.37%
YoY %	0.54%	2.48%	3.71%	4.48%	-0.30%	2.75%	-	-
Horiz. %	114.37%	113.76%	111.01%	107.03%	102.45%	102.75%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Adjusted Per Share Value based on latest NOSH - 2,158,698
RPS	123.67	124.49	137.65	137.78	137.71	137.91	141.23	-8.47%
YoY %	-0.66%	-9.56%	-0.09%	0.05%	-0.15%	-2.35%	-	-
Horiz. %	87.57%	88.15%	97.47%	97.56%	97.51%	97.65%	100.00%	-
EPS	24.32	20.98	24.06	26.05	22.64	20.41	16.35	30.33%
YoY %	15.92%	-12.80%	-7.64%	15.06%	10.93%	24.83%	-	-
Horiz. %	148.75%	128.32%	147.16%	159.33%	138.47%	124.83%	100.00%	-
DPS	4.94	0.00	9.68	5.92	8.90	0.00	6.21	-14.15%
YoY %	0.00%	0.00%	63.51%	-33.48%	0.00%	0.00%	-	-
Horiz. %	79.55%	0.00%	155.88%	95.33%	143.32%	0.00%	100.00%	-
NAPS	1.8489	1.8406	1.7931	1.727	1.656	1.6643	1.4937	15.29%
YoY %	0.45%	2.65%	3.83%	4.29%	-0.50%	11.42%	-	-
Horiz. %	123.78%	123.22%	120.04%	115.62%	110.87%	111.42%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	-
Price	4.14	3.54	3.90	4.00	4.22	4.78	5.85	-
P/RPS	1.65	1.41	1.40	1.43	1.51	1.72	1.89	-8.66%
YoY %	17.02%	0.71%	-2.10%	-5.30%	-12.21%	-8.99%	-	-
Horiz. %	87.30%	74.60%	74.07%	75.66%	79.89%	91.01%	100.00%	-
P/EPS	8.41	8.35	8.01	7.58	9.21	11.60	16.34	-35.80%
YoY %	0.72%	4.24%	5.67%	-17.70%	-20.60%	-29.01%	-	-
Horiz. %	51.47%	51.10%	49.02%	46.39%	56.36%	70.99%	100.00%	-
EY	11.88	11.98	12.49	13.20	10.85	8.62	6.12	55.67%
YoY %	-0.83%	-4.08%	-5.38%	21.66%	25.87%	40.85%	-	-
Horiz. %	194.12%	195.75%	204.08%	215.69%	177.29%	140.85%	100.00%	-
DY	2.42	0.00	5.03	3.00	4.27	0.00	2.32	2.85%
YoY %	0.00%	0.00%	67.67%	-29.74%	0.00%	0.00%	-	-
Horiz. %	104.31%	0.00%	216.81%	129.31%	184.05%	0.00%	100.00%	-
P/NAPS	1.11	0.95	1.07	1.14	1.26	1.42	1.79	-27.30%
YoY %	16.84%	-11.21%	-6.14%	-9.52%	-11.27%	-20.67%	-	-
Horiz. %	62.01%	53.07%	59.78%	63.69%	70.39%	79.33%	100.00%	-

	30/06/09	31/03/09	31/12/08	30/09/08	30/06/08	31/03/08	31/12/07	CAGR
Price Multiplier on Announcement Date
Date	24/08/09	19/05/09	24/02/09	24/11/08	29/08/08	20/05/08	28/02/08	-
Price	4.60	4.12	3.74	3.64	4.18	5.25	5.20	-
P/RPS	1.84	1.64	1.34	1.30	1.50	1.89	1.68	6.25%
YoY %	12.20%	22.39%	3.08%	-13.33%	-20.63%	12.50%	-	-
Horiz. %	109.52%	97.62%	79.76%	77.38%	89.29%	112.50%	100.00%	-
P/EPS	9.35	9.72	7.68	6.89	9.13	12.74	14.53	-25.48%
YoY %	-3.81%	26.56%	11.47%	-24.53%	-28.34%	-12.32%	-	-
Horiz. %	64.35%	66.90%	52.86%	47.42%	62.84%	87.68%	100.00%	-
EY	10.70	10.29	13.02	14.51	10.96	7.85	6.88	34.27%
YoY %	3.98%	-20.97%	-10.27%	32.39%	39.62%	14.10%	-	-
Horiz. %	155.52%	149.56%	189.24%	210.90%	159.30%	114.10%	100.00%	-
DY	2.17	0.00	5.24	3.30	4.31	0.00	2.62	-11.81%
YoY %	0.00%	0.00%	58.79%	-23.43%	0.00%	0.00%	-	-
Horiz. %	82.82%	0.00%	200.00%	125.95%	164.50%	0.00%	100.00%	-
P/NAPS	1.23	1.11	1.03	1.04	1.25	1.56	1.59	-15.74%
YoY %	10.81%	7.77%	-0.96%	-16.80%	-19.87%	-1.89%	-	-
Horiz. %	77.36%	69.81%	64.78%	65.41%	78.62%	98.11%	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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