[RHBBANK] QoQ TTM Result on 30-Sep-2004

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
TTM Result
Revenue	4,028,118	3,892,439	3,803,866	3,672,259	3,615,658	3,641,808	3,642,436	6.94%
YoY %	3.49%	2.33%	3.58%	1.57%	-0.72%	-0.02%	-	-
Horiz. %	110.59%	106.86%	104.43%	100.82%	99.26%	99.98%	100.00%	-
PBT	521,638	501,206	486,059	529,998	529,498	507,915	500,713	2.76%
YoY %	4.08%	3.12%	-8.29%	0.09%	4.25%	1.44%	-	-
Horiz. %	104.18%	100.10%	97.07%	105.85%	105.75%	101.44%	100.00%	-
Tax	-200,525	-186,240	-175,278	-235,919	-228,280	-198,668	-216,124	-4.87%
YoY %	-7.67%	-6.25%	25.70%	-3.35%	-14.91%	8.08%	-	-
Horiz. %	92.78%	86.17%	81.10%	109.16%	105.62%	91.92%	100.00%	-
NP	321,113	314,966	310,781	294,079	301,218	309,247	284,589	8.39%
YoY %	1.95%	1.35%	5.68%	-2.37%	-2.60%	8.66%	-	-
Horiz. %	112.83%	110.67%	109.20%	103.33%	105.84%	108.66%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	321,113	314,966	310,781	294,079	301,218	309,247	284,589	8.39%
YoY %	1.95%	1.35%	5.68%	-2.37%	-2.60%	8.66%	-	-
Horiz. %	112.83%	110.67%	109.20%	103.33%	105.84%	108.66%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	38.44%	37.16%	36.06%	44.51%	43.11%	39.11%	43.16%	-
YoY %	3.44%	3.05%	-18.98%	3.25%	10.23%	-9.38%	-	-
Horiz. %	89.06%	86.10%	83.55%	103.13%	99.88%	90.62%	100.00%	-
Total Cost	3,707,005	3,577,473	3,493,085	3,378,180	3,314,440	3,332,561	3,357,847	6.82%
YoY %	3.62%	2.42%	3.40%	1.92%	-0.54%	-0.75%	-	-
Horiz. %	110.40%	106.54%	104.03%	100.61%	98.71%	99.25%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	3,174,516	3,136,725	3,020,227	2,915,105	2,896,785	2,820,999	2,835,836	7.81%
YoY %	1.20%	3.86%	3.61%	0.63%	2.69%	-0.52%	-	-
Horiz. %	111.94%	110.61%	106.50%	102.80%	102.15%	99.48%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Dividend
Div	191,290	127,066	190,766	182,711	118,943	256,633	192,933	-0.56%
YoY %	50.54%	-33.39%	4.41%	53.61%	-53.65%	33.02%	-	-
Horiz. %	99.15%	65.86%	98.88%	94.70%	61.65%	133.02%	100.00%	-
Div Payout %	59.57%	40.34%	61.38%	62.13%	39.49%	82.99%	67.79%	-
YoY %	47.67%	-34.28%	-1.21%	57.33%	-52.42%	22.42%	-	-
Horiz. %	87.87%	59.51%	90.54%	91.65%	58.25%	122.42%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Equity
Net Worth	3,174,516	3,136,725	3,020,227	2,915,105	2,896,785	2,820,999	2,835,836	7.81%
YoY %	1.20%	3.86%	3.61%	0.63%	2.69%	-0.52%	-	-
Horiz. %	111.94%	110.61%	106.50%	102.80%	102.15%	99.48%	100.00%	-
NOSH	1,834,980	1,834,342	1,808,519	1,821,941	1,821,877	1,820,000	1,841,452	-0.23%
YoY %	0.03%	1.43%	-0.74%	0.00%	0.10%	-1.16%	-	-
Horiz. %	99.65%	99.61%	98.21%	98.94%	98.94%	98.84%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Ratio Analysis
NP Margin	7.97%	8.09%	8.17%	8.01%	8.33%	8.49%	7.81%	-
YoY %	-1.48%	-0.98%	2.00%	-3.84%	-1.88%	8.71%	-	-
Horiz. %	102.05%	103.59%	104.61%	102.56%	106.66%	108.71%	100.00%	-
ROE	10.12%	10.04%	10.29%	10.09%	10.40%	10.96%	10.04%	-
YoY %	0.80%	-2.43%	1.98%	-2.98%	-5.11%	9.16%	-	-
Horiz. %	100.80%	100.00%	102.49%	100.50%	103.59%	109.16%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Per Share
RPS	219.52	212.20	210.33	201.56	198.46	200.10	197.80	7.19%
YoY %	3.45%	0.89%	4.35%	1.56%	-0.82%	1.16%	-	-
Horiz. %	110.98%	107.28%	106.33%	101.90%	100.33%	101.16%	100.00%	-
EPS	17.50	17.17	17.18	16.14	16.53	16.99	15.45	8.66%
YoY %	1.92%	-0.06%	6.44%	-2.36%	-2.71%	9.97%	-	-
Horiz. %	113.27%	111.13%	111.20%	104.47%	106.99%	109.97%	100.00%	-
DPS	10.50	7.00	10.50	10.00	6.50	14.00	10.50	0.00%
YoY %	50.00%	-33.33%	5.00%	53.85%	-53.57%	33.33%	-	-
Horiz. %	100.00%	66.67%	100.00%	95.24%	61.90%	133.33%	100.00%	-
NAPS	1.73	1.71	1.67	1.60	1.59	1.55	1.54	8.07%
YoY %	1.17%	2.40%	4.37%	0.63%	2.58%	0.65%	-	-
Horiz. %	112.34%	111.04%	108.44%	103.90%	103.25%	100.65%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Adjusted Per Share Value based on latest NOSH - 1,821,941
RPS	92.40	89.29	87.25	84.24	82.94	83.54	83.55	6.94%
YoY %	3.48%	2.34%	3.57%	1.57%	-0.72%	-0.01%	-	-
Horiz. %	110.59%	106.87%	104.43%	100.83%	99.27%	99.99%	100.00%	-
EPS	7.37	7.22	7.13	6.75	6.91	7.09	6.53	8.40%
YoY %	2.08%	1.26%	5.63%	-2.32%	-2.54%	8.58%	-	-
Horiz. %	112.86%	110.57%	109.19%	103.37%	105.82%	108.58%	100.00%	-
DPS	4.39	2.91	4.38	4.19	2.73	5.89	4.43	-0.60%
YoY %	50.86%	-33.56%	4.53%	53.48%	-53.65%	32.96%	-	-
Horiz. %	99.10%	65.69%	98.87%	94.58%	61.63%	132.96%	100.00%	-
NAPS	0.7282	0.7195	0.6928	0.6687	0.6645	0.6471	0.6505	7.81%
YoY %	1.21%	3.85%	3.60%	0.63%	2.69%	-0.52%	-	-
Horiz. %	111.94%	110.61%	106.50%	102.80%	102.15%	99.48%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	-
Price	2.10	2.30	2.34	2.06	1.87	2.27	2.08	-
P/RPS	0.96	1.08	1.11	1.02	0.94	1.13	1.05	-5.80%
YoY %	-11.11%	-2.70%	8.82%	8.51%	-16.81%	7.62%	-	-
Horiz. %	91.43%	102.86%	105.71%	97.14%	89.52%	107.62%	100.00%	-
P/EPS	12.00	13.40	13.62	12.76	11.31	13.36	13.46	-7.37%
YoY %	-10.45%	-1.62%	6.74%	12.82%	-15.34%	-0.74%	-	-
Horiz. %	89.15%	99.55%	101.19%	94.80%	84.03%	99.26%	100.00%	-
EY	8.33	7.47	7.34	7.84	8.84	7.49	7.43	7.92%
YoY %	11.51%	1.77%	-6.38%	-11.31%	18.02%	0.81%	-	-
Horiz. %	112.11%	100.54%	98.79%	105.52%	118.98%	100.81%	100.00%	-
DY	5.00	3.04	4.49	4.85	3.48	6.17	5.05	-0.66%
YoY %	64.47%	-32.29%	-7.42%	39.37%	-43.60%	22.18%	-	-
Horiz. %	99.01%	60.20%	88.91%	96.04%	68.91%	122.18%	100.00%	-
P/NAPS	1.21	1.35	1.40	1.29	1.18	1.46	1.35	-7.04%
YoY %	-10.37%	-3.57%	8.53%	9.32%	-19.18%	8.15%	-	-
Horiz. %	89.63%	100.00%	103.70%	95.56%	87.41%	108.15%	100.00%	-

	30/06/05	31/03/05	31/12/04	30/09/04	30/06/04	31/03/04	31/12/03	CAGR
Price Multiplier on Announcement Date
Date	30/08/05	25/05/05	28/02/05	19/11/04	27/08/04	27/05/04	26/02/04	-
Price	2.32	2.15	2.24	2.24	1.88	1.92	2.73	-
P/RPS	1.06	1.01	1.06	1.11	0.95	0.96	1.38	-16.14%
YoY %	4.95%	-4.72%	-4.50%	16.84%	-1.04%	-30.43%	-	-
Horiz. %	76.81%	73.19%	76.81%	80.43%	68.84%	69.57%	100.00%	-
P/EPS	13.26	12.52	13.04	13.88	11.37	11.30	17.66	-17.40%
YoY %	5.91%	-3.99%	-6.05%	22.08%	0.62%	-36.01%	-	-
Horiz. %	75.08%	70.89%	73.84%	78.60%	64.38%	63.99%	100.00%	-
EY	7.54	7.99	7.67	7.21	8.79	8.85	5.66	21.09%
YoY %	-5.63%	4.17%	6.38%	-17.97%	-0.68%	56.36%	-	-
Horiz. %	133.22%	141.17%	135.51%	127.39%	155.30%	156.36%	100.00%	-
DY	4.53	3.26	4.69	4.46	3.46	7.29	3.85	11.46%
YoY %	38.96%	-30.49%	5.16%	28.90%	-52.54%	89.35%	-	-
Horiz. %	117.66%	84.68%	121.82%	115.84%	89.87%	189.35%	100.00%	-
P/NAPS	1.34	1.26	1.34	1.40	1.18	1.24	1.77	-16.94%
YoY %	6.35%	-5.97%	-4.29%	18.64%	-4.84%	-29.94%	-	-
Horiz. %	75.71%	71.19%	75.71%	79.10%	66.67%	70.06%	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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