[PBBANK] QoQ Annualized Quarter Result on 30-Sep-2024 [#3]

Stock

[PBBANK] PUBLIC BANK BHD

Announcement Date

29-Nov-2024

Admission Sponsor

Sponsor

Financial Year

31-Dec-2024

Quarter

30-Sep-2024 [#3]

Profit Trend

QoQ- 3.79%

YoY- 6.23%

Quarter Report

3rd Quarter and Nine Months Ended 30 September 2024 Results.pdf

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PBBANK's Result

PBBANK's Financial Summary

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YoY %

Horiz. %

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Annualized Quarter Result
Revenue	27,058,952	26,970,418	27,178,892	25,415,010	25,156,065	24,773,062	24,492,948	6.84%
YoY %	0.33%	-0.77%	6.94%	1.03%	1.55%	1.14%	-	-
Horiz. %	110.48%	110.12%	110.97%	103.76%	102.71%	101.14%	100.00%	-
PBT	9,147,552	8,823,512	8,526,828	8,538,788	8,628,217	8,608,902	8,835,932	2.33%
YoY %	3.67%	3.48%	-0.14%	-1.04%	0.22%	-2.57%	-	-
Horiz. %	103.53%	99.86%	96.50%	96.64%	97.65%	97.43%	100.00%	-
Tax	-2,015,041	-1,948,382	-1,898,316	-1,883,775	-1,884,308	-1,907,264	-1,943,912	2.41%
YoY %	-3.42%	-2.64%	-0.77%	0.03%	1.20%	1.89%	-	-
Horiz. %	103.66%	100.23%	97.65%	96.91%	96.93%	98.11%	100.00%	-
NP	7,132,510	6,875,130	6,628,512	6,655,013	6,743,909	6,701,638	6,892,020	2.30%
YoY %	3.74%	3.72%	-0.40%	-1.32%	0.63%	-2.76%	-	-
Horiz. %	103.49%	99.75%	96.18%	96.56%	97.85%	97.24%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	7,130,065	6,870,024	6,613,396	6,649,314	6,711,809	6,665,076	6,855,852	2.64%
YoY %	3.79%	3.88%	-0.54%	-0.93%	0.70%	-2.78%	-	-
Horiz. %	104.00%	100.21%	96.46%	96.99%	97.90%	97.22%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	22.03%	22.08%	22.26%	22.06%	21.84%	22.15%	22.00%	-
YoY %	-0.23%	-0.81%	0.91%	1.01%	-1.40%	0.68%	-	-
Horiz. %	100.14%	100.36%	101.18%	100.27%	99.27%	100.68%	100.00%	-
Total Cost	19,926,441	20,095,288	20,550,380	18,759,997	18,412,156	18,071,424	17,600,928	8.60%
YoY %	-0.84%	-2.21%	9.54%	1.89%	1.89%	2.67%	-	-
Horiz. %	113.21%	114.17%	116.76%	106.59%	104.61%	102.67%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	55,480,577	56,294,886	54,586,748	54,674,095	53,210,531	53,303,699	51,308,282	5.33%
YoY %	-1.45%	3.13%	-0.16%	2.75%	-0.17%	3.89%	-	-
Horiz. %	108.13%	109.72%	106.39%	106.56%	103.71%	103.89%	100.00%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Dividend
Div	2,588,045	3,882,138	-	3,688,031	2,329,283	3,493,924	-	-
YoY %	-33.33%	0.00%	-	58.33%	-33.33%	0.00%	-	-
Horiz. %	74.07%	111.11%	-	105.56%	66.67%	100.00%	-	-
Div Payout %	36.30%	56.51%	-	55.46%	34.70%	52.42%	-	-
YoY %	-35.76%	0.00%	-	59.83%	-33.80%	0.00%	-	-
Horiz. %	69.25%	107.80%	-	105.80%	66.20%	100.00%	-	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Equity
Net Worth	55,480,577	56,294,886	54,586,748	54,674,095	53,210,531	53,303,699	51,308,282	5.33%
YoY %	-1.45%	3.13%	-0.16%	2.75%	-0.17%	3.89%	-	-
Horiz. %	108.13%	109.72%	106.39%	106.56%	103.71%	103.89%	100.00%	-
NOSH	19,410,341	19,410,691	19,410,691	19,410,691	19,410,691	19,410,691	19,410,691	-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%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Ratio Analysis
NP Margin	26.36%	25.49%	24.39%	26.19%	26.81%	27.05%	28.14%	-
YoY %	3.41%	4.51%	-6.87%	-2.31%	-0.89%	-3.87%	-	-
Horiz. %	93.67%	90.58%	86.67%	93.07%	95.27%	96.13%	100.00%	-
ROE	12.85%	12.20%	12.12%	12.16%	12.61%	12.50%	13.36%	-
YoY %	5.33%	0.66%	-0.33%	-3.57%	0.88%	-6.44%	-	-
Horiz. %	96.18%	91.32%	90.72%	91.02%	94.39%	93.56%	100.00%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Per Share
RPS	139.40	138.95	140.02	130.93	129.60	127.63	126.18	6.84%
YoY %	0.32%	-0.76%	6.94%	1.03%	1.54%	1.15%	-	-
Horiz. %	110.48%	110.12%	110.97%	103.76%	102.71%	101.15%	100.00%	-
EPS	36.73	35.40	34.08	34.26	34.57	34.34	35.32	2.63%
YoY %	3.76%	3.87%	-0.53%	-0.90%	0.67%	-2.77%	-	-
Horiz. %	103.99%	100.23%	96.49%	97.00%	97.88%	97.23%	100.00%	-
DPS	13.33	20.00	0.00	19.00	12.00	18.00	0.00	-
YoY %	-33.35%	0.00%	0.00%	58.33%	-33.33%	0.00%	-	-
Horiz. %	74.06%	111.11%	0.00%	105.56%	66.67%	100.00%	-	-
NAPS	2.8583	2.9002	2.8122	2.8167	2.7413	2.7461	2.6433	5.33%
YoY %	-1.44%	3.13%	-0.16%	2.75%	-0.17%	3.89%	-	-
Horiz. %	108.13%	109.72%	106.39%	106.56%	103.71%	103.89%	100.00%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Adjusted Per Share Value based on latest NOSH - 19,416,618
RPS	139.36	138.90	139.98	130.89	129.56	127.59	126.14	6.85%
YoY %	0.33%	-0.77%	6.94%	1.03%	1.54%	1.15%	-	-
Horiz. %	110.48%	110.12%	110.97%	103.77%	102.71%	101.15%	100.00%	-
EPS	36.72	35.38	34.06	34.25	34.57	34.33	35.31	2.63%
YoY %	3.79%	3.88%	-0.55%	-0.93%	0.70%	-2.78%	-	-
Horiz. %	103.99%	100.20%	96.46%	97.00%	97.90%	97.22%	100.00%	-
DPS	13.33	19.99	0.00	18.99	12.00	17.99	0.00	-
YoY %	-33.32%	0.00%	0.00%	58.25%	-33.30%	0.00%	-	-
Horiz. %	74.10%	111.12%	0.00%	105.56%	66.70%	100.00%	-	-
NAPS	2.8574	2.8993	2.8113	2.8158	2.7405	2.7453	2.6425	5.33%
YoY %	-1.45%	3.13%	-0.16%	2.75%	-0.17%	3.89%	-	-
Horiz. %	108.13%	109.72%	106.39%	106.56%	103.71%	103.89%	100.00%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/24	28/06/24	29/03/24	29/12/23	29/09/23	30/06/23	31/03/23	-
Price	4.56	4.02	4.22	4.29	4.06	3.85	4.00	-
P/RPS	3.27	2.89	3.01	3.28	3.13	3.02	3.17	2.08%
YoY %	13.15%	-3.99%	-8.23%	4.79%	3.64%	-4.73%	-	-
Horiz. %	103.15%	91.17%	94.95%	103.47%	98.74%	95.27%	100.00%	-
P/EPS	12.41	11.36	12.39	12.52	11.74	11.21	11.33	6.24%
YoY %	9.24%	-8.31%	-1.04%	6.64%	4.73%	-1.06%	-	-
Horiz. %	109.53%	100.26%	109.36%	110.50%	103.62%	98.94%	100.00%	-
EY	8.06	8.80	8.07	7.99	8.52	8.92	8.83	-5.88%
YoY %	-8.41%	9.05%	1.00%	-6.22%	-4.48%	1.02%	-	-
Horiz. %	91.28%	99.66%	91.39%	90.49%	96.49%	101.02%	100.00%	-
DY	2.92	4.98	0.00	4.43	2.96	4.68	0.00	-
YoY %	-41.37%	0.00%	0.00%	49.66%	-36.75%	0.00%	-	-
Horiz. %	62.39%	106.41%	0.00%	94.66%	63.25%	100.00%	-	-
P/NAPS	1.60	1.39	1.50	1.52	1.48	1.40	1.51	3.92%
YoY %	15.11%	-7.33%	-1.32%	2.70%	5.71%	-7.28%	-	-
Horiz. %	105.96%	92.05%	99.34%	100.66%	98.01%	92.72%	100.00%	-

	30/09/24	30/06/24	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	CAGR
Price Multiplier on Announcement Date
Date	29/11/24	27/08/24	20/05/24	28/02/24	29/11/23	29/08/23	25/05/23	-
Price	4.46	4.68	4.19	4.43	4.24	4.12	3.89	-
P/RPS	3.20	3.37	2.99	3.38	3.27	3.23	3.08	2.57%
YoY %	-5.04%	12.71%	-11.54%	3.36%	1.24%	4.87%	-	-
Horiz. %	103.90%	109.42%	97.08%	109.74%	106.17%	104.87%	100.00%	-
P/EPS	12.14	13.22	12.30	12.93	12.26	12.00	11.01	6.71%
YoY %	-8.17%	7.48%	-4.87%	5.46%	2.17%	8.99%	-	-
Horiz. %	110.26%	120.07%	111.72%	117.44%	111.35%	108.99%	100.00%	-
EY	8.24	7.56	8.13	7.73	8.16	8.33	9.08	-6.25%
YoY %	8.99%	-7.01%	5.17%	-5.27%	-2.04%	-8.26%	-	-
Horiz. %	90.75%	83.26%	89.54%	85.13%	89.87%	91.74%	100.00%	-
DY	2.99	4.27	0.00	4.29	2.83	4.37	0.00	-
YoY %	-29.98%	0.00%	0.00%	51.59%	-35.24%	0.00%	-	-
Horiz. %	68.42%	97.71%	0.00%	98.17%	64.76%	100.00%	-	-
P/NAPS	1.56	1.61	1.49	1.57	1.55	1.50	1.47	4.02%
YoY %	-3.11%	8.05%	-5.10%	1.29%	3.33%	2.04%	-	-
Horiz. %	106.12%	109.52%	101.36%	106.80%	105.44%	102.04%	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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