[RHBBANK] QoQ TTM Result on 30-Jun-2020 [#2]

	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	CAGR
TTM Result
Revenue	12,268,161	12,593,365	12,937,281	13,265,254	13,410,156	13,528,465	13,413,241	-5.77%
YoY %	-2.58%	-2.66%	-2.47%	-1.08%	-0.87%	0.86%	-	-
Horiz. %	91.46%	93.89%	96.45%	98.90%	99.98%	100.86%	100.00%	-
PBT	2,789,224	2,677,533	2,955,120	2,952,265	3,279,537	3,350,444	3,273,746	-10.11%
YoY %	4.17%	-9.39%	0.10%	-9.98%	-2.12%	2.34%	-	-
Horiz. %	85.20%	81.79%	90.27%	90.18%	100.18%	102.34%	100.00%	-
Tax	-671,604	-638,381	-732,532	-736,848	-850,635	-862,635	-841,159	-13.92%
YoY %	-5.20%	12.85%	0.59%	13.38%	1.39%	-2.55%	-	-
Horiz. %	79.84%	75.89%	87.09%	87.60%	101.13%	102.55%	100.00%	-
NP	2,117,620	2,039,152	2,222,588	2,215,417	2,428,902	2,487,809	2,432,587	-8.82%
YoY %	3.85%	-8.25%	0.32%	-8.79%	-2.37%	2.27%	-	-
Horiz. %	87.05%	83.83%	91.37%	91.07%	99.85%	102.27%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,111,938	2,032,530	2,214,907	2,208,486	2,423,126	2,482,432	2,426,849	-8.84%
YoY %	3.91%	-8.23%	0.29%	-8.86%	-2.39%	2.29%	-	-
Horiz. %	87.02%	83.75%	91.27%	91.00%	99.85%	102.29%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	24.08%	23.84%	24.79%	24.96%	25.94%	25.75%	25.69%	-
YoY %	1.01%	-3.83%	-0.68%	-3.78%	0.74%	0.23%	-	-
Horiz. %	93.73%	92.80%	96.50%	97.16%	100.97%	100.23%	100.00%	-
Total Cost	10,150,541	10,554,213	10,714,693	11,049,837	10,981,254	11,040,656	10,980,654	-5.10%
YoY %	-3.82%	-1.50%	-3.03%	0.62%	-0.54%	0.55%	-	-
Horiz. %	92.44%	96.12%	97.58%	100.63%	100.01%	100.55%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	26,666,799	27,027,702	27,308,406	26,546,497	26,065,292	25,784,588	25,824,690	2.16%
YoY %	-1.34%	-1.03%	2.87%	1.85%	1.09%	-0.16%	-	-
Horiz. %	103.26%	104.66%	105.75%	102.80%	100.93%	99.84%	100.00%	-

	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	CAGR
Dividend
Div	707,772	707,772	741,858	741,858	1,243,113	1,243,113	1,022,561	-21.73%
YoY %	0.00%	-4.59%	0.00%	-40.32%	0.00%	21.57%	-	-
Horiz. %	69.22%	69.22%	72.55%	72.55%	121.57%	121.57%	100.00%	-
Div Payout %	33.51%	34.82%	33.49%	33.59%	51.30%	50.08%	42.14%	-
YoY %	-3.76%	3.97%	-0.30%	-34.52%	2.44%	18.84%	-	-
Horiz. %	79.52%	82.63%	79.47%	79.71%	121.74%	118.84%	100.00%	-

	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	CAGR
Equity
Net Worth	26,666,799	27,027,702	27,308,406	26,546,497	26,065,292	25,784,588	25,824,690	2.16%
YoY %	-1.34%	-1.03%	2.87%	1.85%	1.09%	-0.16%	-	-
Horiz. %	103.26%	104.66%	105.75%	102.80%	100.93%	99.84%	100.00%	-
NOSH	4,010,045	4,010,045	4,010,045	4,010,045	4,010,045	4,010,045	4,010,045	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%	-

	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	CAGR
Ratio Analysis
NP Margin	17.26%	16.19%	17.18%	16.70%	18.11%	18.39%	18.14%	-
YoY %	6.61%	-5.76%	2.87%	-7.79%	-1.52%	1.38%	-	-
Horiz. %	95.15%	89.25%	94.71%	92.06%	99.83%	101.38%	100.00%	-
ROE	7.92%	7.52%	8.11%	8.32%	9.30%	9.63%	9.40%	-
YoY %	5.32%	-7.27%	-2.52%	-10.54%	-3.43%	2.45%	-	-
Horiz. %	84.26%	80.00%	86.28%	88.51%	98.94%	102.45%	100.00%	-

	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	CAGR
Per Share
RPS	305.94	314.05	322.62	330.80	334.41	337.36	334.49	-5.76%
YoY %	-2.58%	-2.66%	-2.47%	-1.08%	-0.87%	0.86%	-	-
Horiz. %	91.46%	93.89%	96.45%	98.90%	99.98%	100.86%	100.00%	-
EPS	52.67	50.69	55.23	55.07	60.43	61.91	60.52	-8.83%
YoY %	3.91%	-8.22%	0.29%	-8.87%	-2.39%	2.30%	-	-
Horiz. %	87.03%	83.76%	91.26%	90.99%	99.85%	102.30%	100.00%	-
DPS	17.65	17.65	18.50	18.50	31.00	31.00	25.50	-21.73%
YoY %	0.00%	-4.59%	0.00%	-40.32%	0.00%	21.57%	-	-
Horiz. %	69.22%	69.22%	72.55%	72.55%	121.57%	121.57%	100.00%	-
NAPS	6.65	6.74	6.81	6.62	6.50	6.43	6.44	2.16%
YoY %	-1.34%	-1.03%	2.87%	1.85%	1.09%	-0.16%	-	-
Horiz. %	103.26%	104.66%	105.75%	102.80%	100.93%	99.84%	100.00%	-

	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	CAGR
Adjusted Per Share Value based on latest NOSH - 4,010,045
RPS	281.41	288.87	296.76	304.28	307.61	310.32	307.68	-5.77%
YoY %	-2.58%	-2.66%	-2.47%	-1.08%	-0.87%	0.86%	-	-
Horiz. %	91.46%	93.89%	96.45%	98.89%	99.98%	100.86%	100.00%	-
EPS	48.44	46.62	50.81	50.66	55.58	56.94	55.67	-8.84%
YoY %	3.90%	-8.25%	0.30%	-8.85%	-2.39%	2.28%	-	-
Horiz. %	87.01%	83.74%	91.27%	91.00%	99.84%	102.28%	100.00%	-
DPS	16.24	16.24	17.02	17.02	28.52	28.52	23.46	-21.72%
YoY %	0.00%	-4.58%	0.00%	-40.32%	0.00%	21.57%	-	-
Horiz. %	69.22%	69.22%	72.55%	72.55%	121.57%	121.57%	100.00%	-
NAPS	6.117	6.1997	6.2641	6.0894	5.979	5.9146	5.9238	2.16%
YoY %	-1.33%	-1.03%	2.87%	1.85%	1.09%	-0.16%	-	-
Horiz. %	103.26%	104.66%	105.74%	102.80%	100.93%	99.84%	100.00%	-

	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	CAGR
Price Multiplier on Financial Quarter End Date
Date	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	-
Price	5.37	5.45	4.57	4.79	4.69	5.78	5.64	-
P/RPS	1.76	1.74	1.42	1.45	1.40	1.71	1.69	2.74%
YoY %	1.15%	22.54%	-2.07%	3.57%	-18.13%	1.18%	-	-
Horiz. %	104.14%	102.96%	84.02%	85.80%	82.84%	101.18%	100.00%	-
P/EPS	10.20	10.75	8.27	8.70	7.76	9.34	9.32	6.19%
YoY %	-5.12%	29.99%	-4.94%	12.11%	-16.92%	0.21%	-	-
Horiz. %	109.44%	115.34%	88.73%	93.35%	83.26%	100.21%	100.00%	-
EY	9.81	9.30	12.09	11.50	12.88	10.71	10.73	-5.79%
YoY %	5.48%	-23.08%	5.13%	-10.71%	20.26%	-0.19%	-	-
Horiz. %	91.43%	86.67%	112.67%	107.18%	120.04%	99.81%	100.00%	-
DY	3.29	3.24	4.05	3.86	6.61	5.36	4.52	-19.06%
YoY %	1.54%	-20.00%	4.92%	-41.60%	23.32%	18.58%	-	-
Horiz. %	72.79%	71.68%	89.60%	85.40%	146.24%	118.58%	100.00%	-
P/NAPS	0.81	0.81	0.67	0.72	0.72	0.90	0.88	-5.37%
YoY %	0.00%	20.90%	-6.94%	0.00%	-20.00%	2.27%	-	-
Horiz. %	92.05%	92.05%	76.14%	81.82%	81.82%	102.27%	100.00%	-

	31/03/21	31/12/20	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	CAGR
Price Multiplier on Announcement Date
Date	27/05/21	26/02/21	30/11/20	28/08/20	29/05/20	27/02/20	25/11/19	-
Price	5.15	5.42	5.15	4.58	4.77	5.61	5.78	-
P/RPS	1.68	1.73	1.60	1.38	1.43	1.66	1.73	-1.93%
YoY %	-2.89%	8.12%	15.94%	-3.50%	-13.86%	-4.05%	-	-
Horiz. %	97.11%	100.00%	92.49%	79.77%	82.66%	95.95%	100.00%	-
P/EPS	9.78	10.69	9.32	8.32	7.89	9.06	9.55	1.59%
YoY %	-8.51%	14.70%	12.02%	5.45%	-12.91%	-5.13%	-	-
Horiz. %	102.41%	111.94%	97.59%	87.12%	82.62%	94.87%	100.00%	-
EY	10.23	9.35	10.73	12.02	12.67	11.03	10.47	-1.53%
YoY %	9.41%	-12.86%	-10.73%	-5.13%	14.87%	5.35%	-	-
Horiz. %	97.71%	89.30%	102.48%	114.80%	121.01%	105.35%	100.00%	-
DY	3.43	3.26	3.59	4.04	6.50	5.53	4.41	-15.41%
YoY %	5.21%	-9.19%	-11.14%	-37.85%	17.54%	25.40%	-	-
Horiz. %	77.78%	73.92%	81.41%	91.61%	147.39%	125.40%	100.00%	-
P/NAPS	0.77	0.80	0.76	0.69	0.73	0.87	0.90	-9.86%
YoY %	-3.75%	5.26%	10.14%	-5.48%	-16.09%	-3.33%	-	-
Horiz. %	85.56%	88.89%	84.44%	76.67%	81.11%	96.67%	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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