[HLBANK] QoQ 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- 3.24%
YoY- 11.98%
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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 343,207 372,795 379,151 358,781 373,707 370,263 371,763 -5.18%
PBT 180,875 196,364 212,218 196,036 197,268 150,932 177,035 1.43%
Tax -50,740 -37,310 -68,716 -54,681 -60,346 -16,546 -57,629 -8.13%
NP 130,135 159,054 143,502 141,355 136,922 134,386 119,406 5.89%
-
NP to SH 130,135 159,054 143,502 141,355 136,922 134,386 119,406 5.89%
-
Tax Rate 28.05% 19.00% 32.38% 27.89% 30.59% 10.96% 32.55% -
Total Cost 213,072 213,741 235,649 217,426 236,785 235,877 252,357 -10.65%
-
Net Worth 4,387,923 3,901,053 3,673,651 3,602,040 3,526,996 3,391,850 3,242,244 22.32%
Dividend
30/09/03 30/06/03 31/03/03 31/12/02 30/09/02 30/06/02 31/03/02 CAGR
Div - 415,921 - 86,104 - 107,337 - -
Div Payout % - 261.50% - 60.91% - 79.87% - -
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 3,901,053 3,673,651 3,602,040 3,526,996 3,391,850 3,242,244 22.32%
NOSH 1,502,713 1,434,210 1,435,020 1,435,076 1,433,738 1,431,160 1,428,301 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% 42.67% 37.85% 39.40% 36.64% 36.29% 32.12% -
ROE 2.97% 4.08% 3.91% 3.92% 3.88% 3.96% 3.68% -
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 22.84 25.99 26.42 25.00 26.07 25.87 26.03 -8.33%
EPS 8.66 11.09 10.00 9.85 9.55 9.39 8.36 2.37%
DPS 0.00 29.00 0.00 6.00 0.00 7.50 0.00 -
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 16.74 18.19 18.50 17.50 18.23 18.06 18.14 -5.20%
EPS 6.35 7.76 7.00 6.90 6.68 6.56 5.82 5.97%
DPS 0.00 20.29 0.00 4.20 0.00 5.24 0.00 -
NAPS 2.1405 1.903 1.7921 1.7571 1.7205 1.6546 1.5816 22.32%
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 22.77 17.77 15.97 18.00 18.72 20.68 19.13 12.30%
P/EPS 60.05 41.66 42.20 45.69 51.10 56.98 59.57 0.53%
EY 1.67 2.40 2.37 2.19 1.96 1.76 1.68 -0.39%
DY 0.00 6.28 0.00 1.33 0.00 1.40 0.00 -
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 24.08 19.81 15.29 18.48 19.03 22.03 19.79 13.96%
P/EPS 63.51 46.44 40.40 46.90 51.94 60.70 61.60 2.05%
EY 1.57 2.15 2.48 2.13 1.93 1.65 1.62 -2.06%
DY 0.00 5.63 0.00 1.30 0.00 1.32 0.00 -
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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