[HLBANK] QoQ Quarter Result on 30-Sep-2002 [#1]

Announcement Date
25-Oct-2002
Admission Sponsor
-
Sponsor
-
Financial Year
30-Jun-2003
Quarter
30-Sep-2002 [#1]
Profit Trend
QoQ- 1.89%
YoY- 11.33%
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Quarter Result
30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 31/12/01 CAGR
Revenue 372,795 379,151 358,781 373,707 370,263 371,763 406,977 -5.69%
PBT 196,364 212,218 196,036 197,268 150,932 177,035 190,123 2.18%
Tax -37,310 -68,716 -54,681 -60,346 -16,546 -57,629 -63,896 -30.20%
NP 159,054 143,502 141,355 136,922 134,386 119,406 126,227 16.71%
-
NP to SH 159,054 143,502 141,355 136,922 134,386 119,406 126,227 16.71%
-
Tax Rate 19.00% 32.38% 27.89% 30.59% 10.96% 32.55% 33.61% -
Total Cost 213,741 235,649 217,426 236,785 235,877 252,357 280,750 -16.66%
-
Net Worth 3,901,053 3,673,651 3,602,040 3,526,996 3,391,850 3,242,244 3,112,837 16.28%
Dividend
30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 31/12/01 CAGR
Div 415,921 - 86,104 - 107,337 - 49,976 312.27%
Div Payout % 261.50% - 60.91% - 79.87% - 39.59% -
Equity
30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 31/12/01 CAGR
Net Worth 3,901,053 3,673,651 3,602,040 3,526,996 3,391,850 3,242,244 3,112,837 16.28%
NOSH 1,434,210 1,435,020 1,435,076 1,433,738 1,431,160 1,428,301 1,427,907 0.29%
Ratio Analysis
30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 31/12/01 CAGR
NP Margin 42.67% 37.85% 39.40% 36.64% 36.29% 32.12% 31.02% -
ROE 4.08% 3.91% 3.92% 3.88% 3.96% 3.68% 4.06% -
Per Share
30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 31/12/01 CAGR
RPS 25.99 26.42 25.00 26.07 25.87 26.03 28.50 -5.97%
EPS 11.09 10.00 9.85 9.55 9.39 8.36 8.84 16.36%
DPS 29.00 0.00 6.00 0.00 7.50 0.00 3.50 311.05%
NAPS 2.72 2.56 2.51 2.46 2.37 2.27 2.18 15.94%
Adjusted Per Share Value based on latest NOSH - 1,433,738
30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 31/12/01 CAGR
RPS 18.19 18.50 17.50 18.23 18.06 18.14 19.85 -5.67%
EPS 7.76 7.00 6.90 6.68 6.56 5.82 6.16 16.69%
DPS 20.29 0.00 4.20 0.00 5.24 0.00 2.44 312.04%
NAPS 1.903 1.7921 1.7571 1.7205 1.6546 1.5816 1.5185 16.28%
Price Multiplier on Financial Quarter End Date
30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 31/12/01 CAGR
Date 30/06/03 31/03/03 31/12/02 30/09/02 28/06/02 29/03/02 31/12/01 -
Price 4.62 4.22 4.50 4.88 5.35 4.98 3.64 -
P/RPS 17.77 15.97 18.00 18.72 20.68 19.13 12.77 24.71%
P/EPS 41.66 42.20 45.69 51.10 56.98 59.57 41.18 0.77%
EY 2.40 2.37 2.19 1.96 1.76 1.68 2.43 -0.82%
DY 6.28 0.00 1.33 0.00 1.40 0.00 0.96 250.98%
P/NAPS 1.70 1.65 1.79 1.98 2.26 2.19 1.67 1.19%
Price Multiplier on Announcement Date
30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 31/12/01 CAGR
Date 18/08/03 08/05/03 20/02/03 25/10/02 15/08/02 19/04/02 28/01/02 -
Price 5.15 4.04 4.62 4.96 5.70 5.15 3.90 -
P/RPS 19.81 15.29 18.48 19.03 22.03 19.79 13.68 28.08%
P/EPS 46.44 40.40 46.90 51.94 60.70 61.60 44.12 3.48%
EY 2.15 2.48 2.13 1.93 1.65 1.62 2.27 -3.56%
DY 5.63 0.00 1.30 0.00 1.32 0.00 0.90 240.64%
P/NAPS 1.89 1.58 1.84 2.02 2.41 2.27 1.79 3.70%

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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