[PBBANK] QoQ Annualized Quarter Result on 31-Mar-2005 [#1]

	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	CAGR
Annualized Quarter Result
Revenue	5,863,392	5,813,797	5,666,602	5,674,292	5,045,340	4,827,080	4,719,508	15.52%
YoY %	0.85%	2.60%	-0.14%	12.47%	4.52%	2.28%	-	-
Horiz. %	124.24%	123.19%	120.07%	120.23%	106.90%	102.28%	100.00%	-
PBT	2,059,436	2,001,718	2,001,862	1,918,392	1,853,874	1,795,956	1,762,016	10.92%
YoY %	2.88%	-0.01%	4.35%	3.48%	3.22%	1.93%	-	-
Horiz. %	116.88%	113.60%	113.61%	108.87%	105.21%	101.93%	100.00%	-
Tax	-514,146	-510,405	-579,296	-537,876	-582,801	-553,090	-535,668	-2.68%
YoY %	-0.73%	11.89%	-7.70%	7.71%	-5.37%	-3.25%	-	-
Horiz. %	95.98%	95.28%	108.14%	100.41%	108.80%	103.25%	100.00%	-
NP	1,545,290	1,491,313	1,422,566	1,380,516	1,271,073	1,242,865	1,226,348	16.61%
YoY %	3.62%	4.83%	3.05%	8.61%	2.27%	1.35%	-	-
Horiz. %	126.01%	121.61%	116.00%	112.57%	103.65%	101.35%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	1,459,139	1,412,196	1,422,566	1,380,516	1,271,073	1,242,865	1,226,348	12.24%
YoY %	3.32%	-0.73%	3.05%	8.61%	2.27%	1.35%	-	-
Horiz. %	118.98%	115.15%	116.00%	112.57%	103.65%	101.35%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	24.97%	25.50%	28.94%	28.04%	31.44%	30.80%	30.40%	-
YoY %	-2.08%	-11.89%	3.21%	-10.81%	2.08%	1.32%	-	-
Horiz. %	82.14%	83.88%	95.20%	92.24%	103.42%	101.32%	100.00%	-
Total Cost	4,318,102	4,322,484	4,244,036	4,293,776	3,774,267	3,584,214	3,493,160	15.13%
YoY %	-0.10%	1.85%	-1.16%	13.76%	5.30%	2.61%	-	-
Horiz. %	123.62%	123.74%	121.50%	122.92%	108.05%	102.61%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	8,526,918	7,288,595	7,362,793	6,972,907	8,533,346	8,265,075	8,013,436	4.21%
YoY %	16.99%	-1.01%	5.59%	-18.29%	3.25%	3.14%	-	-
Horiz. %	106.41%	90.95%	91.88%	87.02%	106.49%	103.14%	100.00%	-

	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	CAGR
Dividend
Div	1,803,424	873,343	1,308,708	-	2,895,604	1,712,192	-	-
YoY %	106.50%	-33.27%	0.00%	-	69.12%	0.00%	-	-
Horiz. %	105.33%	51.01%	76.43%	-	169.12%	100.00%	-	-
Div Payout %	123.60%	61.84%	92.00%	-	227.81%	137.76%	-	-
YoY %	99.87%	-32.78%	0.00%	-	65.37%	0.00%	-	-
Horiz. %	89.72%	44.89%	66.78%	-	165.37%	100.00%	-	-

	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	CAGR
Equity
Net Worth	8,526,918	7,288,595	7,362,793	6,972,907	8,533,346	8,265,075	8,013,436	4.21%
YoY %	16.99%	-1.01%	5.59%	-18.29%	3.25%	3.14%	-	-
Horiz. %	106.41%	90.95%	91.88%	87.02%	106.49%	103.14%	100.00%	-
NOSH	3,278,953	3,275,037	3,271,770	3,255,933	3,217,338	3,210,361	3,201,660	1.59%
YoY %	0.12%	0.10%	0.49%	1.20%	0.22%	0.27%	-	-
Horiz. %	102.41%	102.29%	102.19%	101.70%	100.49%	100.27%	100.00%	-

	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	CAGR
Ratio Analysis
NP Margin	26.35%	25.65%	25.10%	24.33%	25.19%	25.75%	25.98%	-
YoY %	2.73%	2.19%	3.16%	-3.41%	-2.17%	-0.89%	-	-
Horiz. %	101.42%	98.73%	96.61%	93.65%	96.96%	99.11%	100.00%	-
ROE	17.11%	19.38%	19.32%	19.80%	14.90%	15.04%	15.30%	-
YoY %	-11.71%	0.31%	-2.42%	32.89%	-0.93%	-1.70%	-	-
Horiz. %	111.83%	126.67%	126.27%	129.41%	97.39%	98.30%	100.00%	-

	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	CAGR
Per Share
RPS	178.82	177.52	173.20	174.28	156.82	150.36	147.41	13.70%
YoY %	0.73%	2.49%	-0.62%	11.13%	4.30%	2.00%	-	-
Horiz. %	121.31%	120.43%	117.50%	118.23%	106.38%	102.00%	100.00%	-
EPS	44.50	43.12	43.48	42.40	39.50	38.71	38.30	10.48%
YoY %	3.20%	-0.83%	2.55%	7.34%	2.04%	1.07%	-	-
Horiz. %	116.19%	112.58%	113.52%	110.70%	103.13%	101.07%	100.00%	-
DPS	55.00	26.67	40.00	0.00	90.00	53.33	0.00	-
YoY %	106.22%	-33.32%	0.00%	0.00%	68.76%	0.00%	-	-
Horiz. %	103.13%	50.01%	75.00%	0.00%	168.76%	100.00%	-	-
NAPS	2.6005	2.2255	2.2504	2.1416	2.6523	2.5745	2.5029	2.57%
YoY %	16.85%	-1.11%	5.08%	-19.25%	3.02%	2.86%	-	-
Horiz. %	103.90%	88.92%	89.91%	85.56%	105.97%	102.86%	100.00%	-

	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	CAGR
Adjusted Per Share Value based on latest NOSH - 3,255,933
RPS	30.21	29.95	29.19	29.23	25.99	24.87	24.31	15.54%
YoY %	0.87%	2.60%	-0.14%	12.47%	4.50%	2.30%	-	-
Horiz. %	124.27%	123.20%	120.07%	120.24%	106.91%	102.30%	100.00%	-
EPS	7.52	7.28	7.33	7.11	6.55	6.40	6.32	12.25%
YoY %	3.30%	-0.68%	3.09%	8.55%	2.34%	1.27%	-	-
Horiz. %	118.99%	115.19%	115.98%	112.50%	103.64%	101.27%	100.00%	-
DPS	9.29	4.50	6.74	0.00	14.92	8.82	0.00	-
YoY %	106.44%	-33.23%	0.00%	0.00%	69.16%	0.00%	-	-
Horiz. %	105.33%	51.02%	76.42%	0.00%	169.16%	100.00%	-	-
NAPS	0.4393	0.3755	0.3793	0.3592	0.4396	0.4258	0.4128	4.22%
YoY %	16.99%	-1.00%	5.60%	-18.29%	3.24%	3.15%	-	-
Horiz. %	106.42%	90.96%	91.88%	87.02%	106.49%	103.15%	100.00%	-

	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	-
Price	6.55	6.75	6.70	7.50	7.10	6.35	6.05	-
P/RPS	3.66	3.80	3.87	4.30	4.53	4.22	4.10	-7.26%
YoY %	-3.68%	-1.81%	-10.00%	-5.08%	7.35%	2.93%	-	-
Horiz. %	89.27%	92.68%	94.39%	104.88%	110.49%	102.93%	100.00%	-
P/EPS	14.72	15.65	15.41	17.69	17.97	16.40	15.79	-4.55%
YoY %	-5.94%	1.56%	-12.89%	-1.56%	9.57%	3.86%	-	-
Horiz. %	93.22%	99.11%	97.59%	112.03%	113.81%	103.86%	100.00%	-
EY	6.79	6.39	6.49	5.65	5.56	6.10	6.33	4.77%
YoY %	6.26%	-1.54%	14.87%	1.62%	-8.85%	-3.63%	-	-
Horiz. %	107.27%	100.95%	102.53%	89.26%	87.84%	96.37%	100.00%	-
DY	8.40	3.95	5.97	0.00	12.68	8.40	0.00	-
YoY %	112.66%	-33.84%	0.00%	0.00%	50.95%	0.00%	-	-
Horiz. %	100.00%	47.02%	71.07%	0.00%	150.95%	100.00%	-	-
P/NAPS	2.52	3.03	2.98	3.50	2.68	2.47	2.42	2.72%
YoY %	-16.83%	1.68%	-14.86%	30.60%	8.50%	2.07%	-	-
Horiz. %	104.13%	125.21%	123.14%	144.63%	110.74%	102.07%	100.00%	-

	31/12/05	30/09/05	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	CAGR
Price Multiplier on Announcement Date
Date	23/01/06	18/10/05	21/07/05	13/04/05	18/01/05	25/10/04	22/07/04	-
Price	6.60	6.70	7.00	6.95	7.50	6.40	6.10	-
P/RPS	3.69	3.77	4.04	3.99	4.78	4.26	4.14	-7.36%
YoY %	-2.12%	-6.68%	1.25%	-16.53%	12.21%	2.90%	-	-
Horiz. %	89.13%	91.06%	97.58%	96.38%	115.46%	102.90%	100.00%	-
P/EPS	14.83	15.54	16.10	16.39	18.98	16.53	15.93	-4.64%
YoY %	-4.57%	-3.48%	-1.77%	-13.65%	14.82%	3.77%	-	-
Horiz. %	93.09%	97.55%	101.07%	102.89%	119.15%	103.77%	100.00%	-
EY	6.74	6.44	6.21	6.10	5.27	6.05	6.28	4.81%
YoY %	4.66%	3.70%	1.80%	15.75%	-12.89%	-3.66%	-	-
Horiz. %	107.32%	102.55%	98.89%	97.13%	83.92%	96.34%	100.00%	-
DY	8.33	3.98	5.71	0.00	12.00	8.33	0.00	-
YoY %	109.30%	-30.30%	0.00%	0.00%	44.06%	0.00%	-	-
Horiz. %	100.00%	47.78%	68.55%	0.00%	144.06%	100.00%	-	-
P/NAPS	2.54	3.01	3.11	3.25	2.83	2.49	2.44	2.70%
YoY %	-15.61%	-3.22%	-4.31%	14.84%	13.65%	2.05%	-	-
Horiz. %	104.10%	123.36%	127.46%	133.20%	115.98%	102.05%	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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