[HLBANK] QoQ Annualized Quarter Result on 31-Dec-2002 [#2]

Announcement Date
20-Feb-2003
Admission Sponsor
-
Sponsor
-
Financial Year
30-Jun-2003
Quarter
31-Dec-2002 [#2]
Profit Trend
QoQ- 1.62%
YoY- 11.66%
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Annualized Quarter Result
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
Revenue 1,372,828 1,484,434 1,482,185 1,464,976 1,494,828 1,554,223 1,578,613 -8.88%
PBT 723,500 801,886 807,362 786,608 789,072 706,152 740,293 -1.51%
Tax -202,960 -221,053 -244,990 -230,054 -241,384 -203,150 -248,805 -12.68%
NP 520,540 580,833 562,372 556,554 547,688 503,002 491,488 3.89%
-
NP to SH 520,540 580,833 562,372 556,554 547,688 503,002 491,488 3.89%
-
Tax Rate 28.05% 27.57% 30.34% 29.25% 30.59% 28.77% 33.61% -
Total Cost 852,288 903,601 919,813 908,422 947,140 1,051,221 1,087,125 -14.96%
-
Net Worth 4,387,923 3,901,866 3,672,633 3,600,388 3,526,996 3,386,689 3,241,992 22.33%
Dividend
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
Div - 502,078 114,769 172,130 - 157,188 66,648 -
Div Payout % - 86.44% 20.41% 30.93% - 31.25% 13.56% -
Equity
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
Net Worth 4,387,923 3,901,866 3,672,633 3,600,388 3,526,996 3,386,689 3,241,992 22.33%
NOSH 1,502,713 1,434,509 1,434,622 1,434,417 1,433,738 1,428,982 1,428,190 3.44%
Ratio Analysis
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
NP Margin 37.92% 39.13% 37.94% 37.99% 36.64% 32.36% 31.13% -
ROE 11.86% 14.89% 15.31% 15.46% 15.53% 14.85% 15.16% -
Per Share
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
RPS 91.36 103.48 103.32 102.13 104.26 108.76 110.53 -11.91%
EPS 34.64 40.49 39.20 38.80 38.20 35.20 34.41 0.44%
DPS 0.00 35.00 8.00 12.00 0.00 11.00 4.67 -
NAPS 2.92 2.72 2.56 2.51 2.46 2.37 2.27 18.26%
Adjusted Per Share Value based on latest NOSH - 1,435,076
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
RPS 66.97 72.41 72.30 71.46 72.92 75.82 77.01 -8.88%
EPS 25.39 28.33 27.43 27.15 26.72 24.54 23.98 3.87%
DPS 0.00 24.49 5.60 8.40 0.00 7.67 3.25 -
NAPS 2.1405 1.9034 1.7916 1.7563 1.7205 1.6521 1.5815 22.33%
Price Multiplier on Financial Quarter End Date
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
Date 30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 28/06/02 29/03/02 -
Price 5.20 4.62 4.22 4.50 4.88 5.35 4.98 -
P/RPS 5.69 4.46 4.08 4.41 4.68 4.92 4.51 16.74%
P/EPS 15.01 11.41 10.77 11.60 12.77 15.20 14.47 2.47%
EY 6.66 8.76 9.29 8.62 7.83 6.58 6.91 -2.42%
DY 0.00 7.58 1.90 2.67 0.00 2.06 0.94 -
P/NAPS 1.78 1.70 1.65 1.79 1.98 2.26 2.19 -12.89%
Price Multiplier on Announcement Date
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
Date 05/11/03 18/08/03 08/05/03 20/02/03 25/10/02 15/08/02 19/04/02 -
Price 5.50 5.15 4.04 4.62 4.96 5.70 5.15 -
P/RPS 6.02 4.98 3.91 4.52 4.76 5.24 4.66 18.59%
P/EPS 15.88 12.72 10.31 11.91 12.98 16.19 14.97 4.00%
EY 6.30 7.86 9.70 8.40 7.70 6.18 6.68 -3.82%
DY 0.00 6.80 1.98 2.60 0.00 1.93 0.91 -
P/NAPS 1.88 1.89 1.58 1.84 2.02 2.41 2.27 -11.79%

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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