[RHBBANK] QoQ TTM Result on 30-Jun-2023 [#2]

	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	CAGR
TTM Result
Revenue	17,064,869	16,580,531	16,131,608	15,400,681	14,338,899	13,278,708	12,220,295	24.90%
YoY %	2.92%	2.78%	4.75%	7.40%	7.98%	8.66%	-	-
Horiz. %	139.64%	135.68%	132.01%	126.03%	117.34%	108.66%	100.00%	-
PBT	3,658,323	3,753,344	4,169,732	4,329,704	4,285,416	4,170,784	3,871,199	-3.69%
YoY %	-2.53%	-9.99%	-3.69%	1.03%	2.75%	7.74%	-	-
Horiz. %	94.50%	96.96%	107.71%	111.84%	110.70%	107.74%	100.00%	-
Tax	-879,103	-942,845	-1,172,577	-1,282,190	-1,412,018	-1,458,763	-1,301,858	-23.01%
YoY %	6.76%	19.59%	8.55%	9.19%	3.20%	-12.05%	-	-
Horiz. %	67.53%	72.42%	90.07%	98.49%	108.46%	112.05%	100.00%	-
NP	2,779,220	2,810,499	2,997,155	3,047,514	2,873,398	2,712,021	2,569,341	5.36%
YoY %	-1.11%	-6.23%	-1.65%	6.06%	5.95%	5.55%	-	-
Horiz. %	108.17%	109.39%	116.65%	118.61%	111.83%	105.55%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,774,730	2,806,228	2,992,432	3,042,961	2,869,089	2,707,688	2,566,738	5.32%
YoY %	-1.12%	-6.22%	-1.66%	6.06%	5.96%	5.49%	-	-
Horiz. %	108.10%	109.33%	116.59%	118.55%	111.78%	105.49%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	24.03%	25.12%	28.12%	29.61%	32.95%	34.98%	33.63%	-
YoY %	-4.34%	-10.67%	-5.03%	-10.14%	-5.80%	4.01%	-	-
Horiz. %	71.45%	74.70%	83.62%	88.05%	97.98%	104.01%	100.00%	-
Total Cost	14,285,649	13,770,032	13,134,453	12,353,167	11,465,501	10,566,687	9,650,954	29.85%
YoY %	3.74%	4.84%	6.32%	7.74%	8.51%	9.49%	-	-
Horiz. %	148.02%	142.68%	136.09%	128.00%	118.80%	109.49%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	31,710,831	30,874,565	29,910,137	29,907,515	29,884,096	28,619,247	28,044,431	8.52%
YoY %	2.71%	3.22%	0.01%	0.08%	4.42%	2.05%	-	-
Horiz. %	113.07%	110.09%	106.65%	106.64%	106.56%	102.05%	100.00%	-

	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	CAGR
Dividend
Div	1,711,712	1,711,712	1,698,419	1,698,419	1,681,442	1,681,442	1,651,786	2.40%
YoY %	0.00%	0.78%	0.00%	1.01%	0.00%	1.80%	-	-
Horiz. %	103.63%	103.63%	102.82%	102.82%	101.80%	101.80%	100.00%	-
Div Payout %	61.69%	61.00%	56.76%	55.81%	58.61%	62.10%	64.35%	-
YoY %	1.13%	7.47%	1.70%	-4.78%	-5.62%	-3.50%	-	-
Horiz. %	95.87%	94.79%	88.21%	86.73%	91.08%	96.50%	100.00%	-

	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	CAGR
Equity
Net Worth	31,710,831	30,874,565	29,910,137	29,907,515	29,884,096	28,619,247	28,044,431	8.52%
YoY %	2.71%	3.22%	0.01%	0.08%	4.42%	2.05%	-	-
Horiz. %	113.07%	110.09%	106.65%	106.64%	106.56%	102.05%	100.00%	-
NOSH	4,286,348	4,286,348	4,286,348	4,286,348	4,247,373	4,247,373	4,212,077	1.17%
YoY %	0.00%	0.00%	0.00%	0.92%	0.00%	0.84%	-	-
Horiz. %	101.76%	101.76%	101.76%	101.76%	100.84%	100.84%	100.00%	-

	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	CAGR
Ratio Analysis
NP Margin	16.29%	16.95%	18.58%	19.79%	20.04%	20.42%	21.03%	-
YoY %	-3.89%	-8.77%	-6.11%	-1.25%	-1.86%	-2.90%	-	-
Horiz. %	77.46%	80.60%	88.35%	94.10%	95.29%	97.10%	100.00%	-
ROE	8.75%	9.09%	10.00%	10.17%	9.60%	9.46%	9.15%	-
YoY %	-3.74%	-9.10%	-1.67%	5.94%	1.48%	3.39%	-	-
Horiz. %	95.63%	99.34%	109.29%	111.15%	104.92%	103.39%	100.00%	-

	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	CAGR
Per Share
RPS	398.12	386.82	376.35	360.88	337.59	313.68	290.13	23.46%
YoY %	2.92%	2.78%	4.29%	6.90%	7.62%	8.12%	-	-
Horiz. %	137.22%	133.33%	129.72%	124.39%	116.36%	108.12%	100.00%	-
EPS	64.73	65.47	69.81	71.31	67.55	63.96	60.94	4.10%
YoY %	-1.13%	-6.22%	-2.10%	5.57%	5.61%	4.96%	-	-
Horiz. %	106.22%	107.43%	114.56%	117.02%	110.85%	104.96%	100.00%	-
DPS	40.00	40.00	40.00	40.00	39.59	39.72	39.22	1.32%
YoY %	0.00%	0.00%	0.00%	1.04%	-0.33%	1.27%	-	-
Horiz. %	101.99%	101.99%	101.99%	101.99%	100.94%	101.27%	100.00%	-
NAPS	7.3981	7.203	6.978	7.0082	7.0359	6.7607	6.6581	7.27%
YoY %	2.71%	3.22%	-0.43%	-0.39%	4.07%	1.54%	-	-
Horiz. %	111.11%	108.18%	104.80%	105.26%	105.67%	101.54%	100.00%	-

	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	CAGR
Adjusted Per Share Value based on latest NOSH - 4,286,348
RPS	391.40	380.29	369.99	353.23	328.88	304.56	280.28	24.91%
YoY %	2.92%	2.78%	4.74%	7.40%	7.99%	8.66%	-	-
Horiz. %	139.65%	135.68%	132.01%	126.03%	117.34%	108.66%	100.00%	-
EPS	63.64	64.36	68.63	69.79	65.81	62.10	58.87	5.32%
YoY %	-1.12%	-6.22%	-1.66%	6.05%	5.97%	5.49%	-	-
Horiz. %	108.10%	109.33%	116.58%	118.55%	111.79%	105.49%	100.00%	-
DPS	39.26	39.26	38.95	38.95	38.57	38.57	37.89	2.39%
YoY %	0.00%	0.80%	0.00%	0.99%	0.00%	1.79%	-	-
Horiz. %	103.62%	103.62%	102.80%	102.80%	101.79%	101.79%	100.00%	-
NAPS	7.2732	7.0814	6.8602	6.8596	6.8542	6.5641	6.4322	8.52%
YoY %	2.71%	3.22%	0.01%	0.08%	4.42%	2.05%	-	-
Horiz. %	113.07%	110.09%	106.65%	106.64%	106.56%	102.05%	100.00%	-

	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	CAGR
Price Multiplier on Financial Quarter End Date
Date	29/03/24	29/12/23	29/09/23	30/06/23	31/03/23	30/12/22	30/09/22	-
Price	5.67	5.45	5.43	5.43	5.58	5.79	5.56	-
P/RPS	1.42	1.41	1.44	1.50	1.65	1.85	1.92	-18.20%
YoY %	0.71%	-2.08%	-4.00%	-9.09%	-10.81%	-3.65%	-	-
Horiz. %	73.96%	73.44%	75.00%	78.12%	85.94%	96.35%	100.00%	-
P/EPS	8.76	8.32	7.78	7.62	8.26	9.05	9.12	-2.64%
YoY %	5.29%	6.94%	2.10%	-7.75%	-8.73%	-0.77%	-	-
Horiz. %	96.05%	91.23%	85.31%	83.55%	90.57%	99.23%	100.00%	-
EY	11.42	12.01	12.86	13.13	12.11	11.05	10.96	2.77%
YoY %	-4.91%	-6.61%	-2.06%	8.42%	9.59%	0.82%	-	-
Horiz. %	104.20%	109.58%	117.34%	119.80%	110.49%	100.82%	100.00%	-
DY	7.05	7.34	7.37	7.37	7.09	6.86	7.05	0.00%
YoY %	-3.95%	-0.41%	0.00%	3.95%	3.35%	-2.70%	-	-
Horiz. %	100.00%	104.11%	104.54%	104.54%	100.57%	97.30%	100.00%	-
P/NAPS	0.77	0.76	0.78	0.77	0.79	0.86	0.84	-5.63%
YoY %	1.32%	-2.56%	1.30%	-2.53%	-8.14%	2.38%	-	-
Horiz. %	91.67%	90.48%	92.86%	91.67%	94.05%	102.38%	100.00%	-

	31/03/24	31/12/23	30/09/23	30/06/23	31/03/23	31/12/22	30/09/22	CAGR
Price Multiplier on Announcement Date
Date	29/05/24	27/02/24	27/11/23	29/08/23	26/05/23	27/02/23	29/11/22	-
Price	5.48	5.68	5.57	5.70	5.46	5.61	5.67	-
P/RPS	1.38	1.47	1.48	1.58	1.62	1.79	1.95	-20.56%
YoY %	-6.12%	-0.68%	-6.33%	-2.47%	-9.50%	-8.21%	-	-
Horiz. %	70.77%	75.38%	75.90%	81.03%	83.08%	91.79%	100.00%	-
P/EPS	8.47	8.68	7.98	7.99	8.08	8.77	9.30	-6.03%
YoY %	-2.42%	8.77%	-0.13%	-1.11%	-7.87%	-5.70%	-	-
Horiz. %	91.08%	93.33%	85.81%	85.91%	86.88%	94.30%	100.00%	-
EY	11.81	11.53	12.53	12.51	12.37	11.40	10.75	6.46%
YoY %	2.43%	-7.98%	0.16%	1.13%	8.51%	6.05%	-	-
Horiz. %	109.86%	107.26%	116.56%	116.37%	115.07%	106.05%	100.00%	-
DY	7.30	7.04	7.18	7.02	7.25	7.08	6.92	3.62%
YoY %	3.69%	-1.95%	2.28%	-3.17%	2.40%	2.31%	-	-
Horiz. %	105.49%	101.73%	103.76%	101.45%	104.77%	102.31%	100.00%	-
P/NAPS	0.74	0.79	0.80	0.81	0.78	0.83	0.85	-8.81%
YoY %	-6.33%	-1.25%	-1.23%	3.85%	-6.02%	-2.35%	-	-
Horiz. %	87.06%	92.94%	94.12%	95.29%	91.76%	97.65%	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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