[RHBBANK] QoQ Annualized Quarter Result on 31-Mar-2022 [#1]

	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	30/09/21	30/06/21	CAGR
Annualized Quarter Result
Revenue	13,278,708	12,438,014	11,687,398	11,431,120	11,748,749	11,809,286	11,661,054	9.02%
YoY %	6.76%	6.42%	2.24%	-2.70%	-0.51%	1.27%	-	-
Horiz. %	113.87%	106.66%	100.23%	98.03%	100.75%	101.27%	100.00%	-
PBT	4,170,784	3,931,522	3,818,704	3,562,200	3,528,753	3,474,928	3,554,792	11.20%
YoY %	6.09%	2.95%	7.20%	0.95%	1.55%	-2.25%	-	-
Horiz. %	117.33%	110.60%	107.42%	100.21%	99.27%	97.75%	100.00%	-
Tax	-1,458,763	-1,347,416	-1,345,034	-1,157,192	-905,621	-819,100	-846,612	43.58%
YoY %	-8.26%	-0.18%	-16.23%	-27.78%	-10.56%	3.25%	-	-
Horiz. %	172.31%	159.15%	158.87%	136.69%	106.97%	96.75%	100.00%	-
NP	2,712,021	2,584,106	2,473,670	2,405,008	2,623,132	2,655,828	2,708,180	0.09%
YoY %	4.95%	4.46%	2.85%	-8.32%	-1.23%	-1.93%	-	-
Horiz. %	100.14%	95.42%	91.34%	88.81%	96.86%	98.07%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,707,688	2,580,764	2,470,190	2,401,068	2,618,388	2,649,630	2,703,262	0.10%
YoY %	4.92%	4.48%	2.88%	-8.30%	-1.18%	-1.98%	-	-
Horiz. %	100.16%	95.47%	91.38%	88.82%	96.86%	98.02%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	34.98%	34.27%	35.22%	32.49%	25.66%	23.57%	23.82%	-
YoY %	2.07%	-2.70%	8.40%	26.62%	8.87%	-1.05%	-	-
Horiz. %	146.85%	143.87%	147.86%	136.40%	107.72%	98.95%	100.00%	-
Total Cost	10,566,687	9,853,908	9,213,728	9,026,112	9,125,617	9,153,458	8,952,874	11.64%
YoY %	7.23%	6.95%	2.08%	-1.09%	-0.30%	2.24%	-	-
Horiz. %	118.03%	110.06%	102.91%	100.82%	101.93%	102.24%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	28,619,247	28,044,431	27,051,673	28,067,858	27,806,567	27,827,307	27,520,536	2.63%
YoY %	2.05%	3.67%	-3.62%	0.94%	-0.07%	1.11%	-	-
Horiz. %	103.99%	101.90%	98.30%	101.99%	101.04%	101.11%	100.00%	-

	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	30/09/21	30/06/21	CAGR
Dividend
Div	1,693,271	842,415	1,246,295	-	1,645,821	812,784	1,203,013	25.51%
YoY %	101.00%	-32.41%	0.00%	-	102.49%	-32.44%	-	-
Horiz. %	140.75%	70.03%	103.60%	-	136.81%	67.56%	100.00%	-
Div Payout %	62.54%	32.64%	50.45%	-	62.86%	30.68%	44.50%	-
YoY %	91.61%	-35.30%	0.00%	-	104.89%	-31.06%	-	-
Horiz. %	140.54%	73.35%	113.37%	-	141.26%	68.94%	100.00%	-

	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	30/09/21	30/06/21	CAGR
Equity
Net Worth	28,619,247	28,044,431	27,051,673	28,067,858	27,806,567	27,827,307	27,520,536	2.63%
YoY %	2.05%	3.67%	-3.62%	0.94%	-0.07%	1.11%	-	-
Horiz. %	103.99%	101.90%	98.30%	101.99%	101.04%	101.11%	100.00%	-
NOSH	4,247,373	4,212,077	4,212,077	4,142,918	4,142,918	4,068,360	4,010,045	3.89%
YoY %	0.84%	0.00%	1.67%	0.00%	1.83%	1.45%	-	-
Horiz. %	105.92%	105.04%	105.04%	103.31%	103.31%	101.45%	100.00%	-

	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	30/09/21	30/06/21	CAGR
Ratio Analysis
NP Margin	20.42%	20.78%	21.17%	21.04%	22.33%	22.49%	23.22%	-
YoY %	-1.73%	-1.84%	0.62%	-5.78%	-0.71%	-3.14%	-	-
Horiz. %	87.94%	89.49%	91.17%	90.61%	96.17%	96.86%	100.00%	-
ROE	9.46%	9.20%	9.13%	8.55%	9.42%	9.52%	9.82%	-
YoY %	2.83%	0.77%	6.78%	-9.24%	-1.05%	-3.05%	-	-
Horiz. %	96.33%	93.69%	92.97%	87.07%	95.93%	96.95%	100.00%	-

	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	30/09/21	30/06/21	CAGR
Per Share
RPS	313.68	295.29	281.33	275.92	285.54	290.59	290.80	5.16%
YoY %	6.23%	4.96%	1.96%	-3.37%	-1.74%	-0.07%	-	-
Horiz. %	107.87%	101.54%	96.74%	94.88%	98.19%	99.93%	100.00%	-
EPS	64.69	61.89	59.54	57.96	64.65	65.77	67.42	-2.71%
YoY %	4.52%	3.95%	2.73%	-10.35%	-1.70%	-2.45%	-	-
Horiz. %	95.95%	91.80%	88.31%	85.97%	95.89%	97.55%	100.00%	-
DPS	40.00	20.00	30.00	0.00	40.00	20.00	30.00	21.07%
YoY %	100.00%	-33.33%	0.00%	0.00%	100.00%	-33.33%	-	-
Horiz. %	133.33%	66.67%	100.00%	0.00%	133.33%	66.67%	100.00%	-
NAPS	6.7607	6.6581	6.5117	6.7749	6.7581	6.8474	6.8629	-0.99%
YoY %	1.54%	2.25%	-3.88%	0.25%	-1.30%	-0.23%	-	-
Horiz. %	98.51%	97.02%	94.88%	98.72%	98.47%	99.77%	100.00%	-

	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	30/09/21	30/06/21	CAGR
Adjusted Per Share Value based on latest NOSH - 4,142,918
RPS	304.59	285.31	268.09	262.21	269.50	270.89	267.49	9.01%
YoY %	6.76%	6.42%	2.24%	-2.71%	-0.51%	1.27%	-	-
Horiz. %	113.87%	106.66%	100.22%	98.03%	100.75%	101.27%	100.00%	-
EPS	62.11	59.20	56.66	55.08	60.06	60.78	62.01	0.10%
YoY %	4.92%	4.48%	2.87%	-8.29%	-1.18%	-1.98%	-	-
Horiz. %	100.16%	95.47%	91.37%	88.82%	96.86%	98.02%	100.00%	-
DPS	38.84	19.32	28.59	0.00	37.75	18.64	27.60	25.49%
YoY %	101.04%	-32.42%	0.00%	0.00%	102.52%	-32.46%	-	-
Horiz. %	140.72%	70.00%	103.59%	0.00%	136.78%	67.54%	100.00%	-
NAPS	6.5648	6.433	6.2052	6.4383	6.3784	6.3832	6.3128	2.63%
YoY %	2.05%	3.67%	-3.62%	0.94%	-0.08%	1.12%	-	-
Horiz. %	103.99%	101.90%	98.30%	101.99%	101.04%	101.12%	100.00%	-

	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	30/09/21	30/06/21	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/12/22	30/09/22	30/06/22	31/03/22	31/12/21	30/09/21	30/06/21	-
Price	5.79	5.56	5.73	5.96	5.37	5.46	5.40	-
P/RPS	1.85	1.88	2.04	2.16	1.88	1.88	1.86	-0.35%
YoY %	-1.60%	-7.84%	-5.56%	14.89%	0.00%	1.08%	-	-
Horiz. %	99.46%	101.08%	109.68%	116.13%	101.08%	101.08%	100.00%	-
P/EPS	9.05	9.07	9.64	10.28	8.44	8.37	8.01	8.45%
YoY %	-0.22%	-5.91%	-6.23%	21.80%	0.84%	4.49%	-	-
Horiz. %	112.98%	113.23%	120.35%	128.34%	105.37%	104.49%	100.00%	-
EY	11.05	11.02	10.38	9.72	11.85	11.94	12.48	-7.77%
YoY %	0.27%	6.17%	6.79%	-17.97%	-0.75%	-4.33%	-	-
Horiz. %	88.54%	88.30%	83.17%	77.88%	94.95%	95.67%	100.00%	-
DY	6.91	3.60	5.24	0.00	7.45	3.66	5.56	15.54%
YoY %	91.94%	-31.30%	0.00%	0.00%	103.55%	-34.17%	-	-
Horiz. %	124.28%	64.75%	94.24%	0.00%	133.99%	65.83%	100.00%	-
P/NAPS	0.86	0.84	0.88	0.88	0.79	0.80	0.79	5.80%
YoY %	2.38%	-4.55%	0.00%	11.39%	-1.25%	1.27%	-	-
Horiz. %	108.86%	106.33%	111.39%	111.39%	100.00%	101.27%	100.00%	-

	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	30/09/21	30/06/21	CAGR
Price Multiplier on Announcement Date
Date	27/02/23	29/11/22	29/08/22	30/05/22	28/02/22	30/11/21	27/08/21	-
Price	5.60	5.67	5.81	5.91	5.80	5.31	5.51	-
P/RPS	1.79	1.92	2.07	2.14	2.03	1.83	1.89	-3.54%
YoY %	-6.77%	-7.25%	-3.27%	5.42%	10.93%	-3.17%	-	-
Horiz. %	94.71%	101.59%	109.52%	113.23%	107.41%	96.83%	100.00%	-
P/EPS	8.75	9.25	9.77	10.20	9.11	8.14	8.17	4.66%
YoY %	-5.41%	-5.32%	-4.22%	11.96%	11.92%	-0.37%	-	-
Horiz. %	107.10%	113.22%	119.58%	124.85%	111.51%	99.63%	100.00%	-
EY	11.42	10.81	10.23	9.81	10.97	12.28	12.23	-4.45%
YoY %	5.64%	5.67%	4.28%	-10.57%	-10.67%	0.41%	-	-
Horiz. %	93.38%	88.39%	83.65%	80.21%	89.70%	100.41%	100.00%	-
DY	7.14	3.53	5.16	0.00	6.90	3.77	5.44	19.81%
YoY %	102.27%	-31.59%	0.00%	0.00%	83.02%	-30.70%	-	-
Horiz. %	131.25%	64.89%	94.85%	0.00%	126.84%	69.30%	100.00%	-
P/NAPS	0.83	0.85	0.89	0.87	0.86	0.78	0.80	2.47%
YoY %	-2.35%	-4.49%	2.30%	1.16%	10.26%	-2.50%	-	-
Horiz. %	103.75%	106.25%	111.25%	108.75%	107.50%	97.50%	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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