[RHBBANK] QoQ TTM Result on 31-Dec-2019 [#4]

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
TTM Result
Revenue	12,937,281	13,265,254	13,410,156	13,528,465	13,413,241	13,280,052	12,522,685	2.18%
YoY %	-2.47%	-1.08%	-0.87%	0.86%	1.00%	6.05%	-	-
Horiz. %	103.31%	105.93%	107.09%	108.03%	107.11%	106.05%	100.00%	-
PBT	2,955,120	2,952,265	3,279,537	3,350,444	3,273,746	3,218,822	3,150,317	-4.16%
YoY %	0.10%	-9.98%	-2.12%	2.34%	1.71%	2.17%	-	-
Horiz. %	93.80%	93.71%	104.10%	106.35%	103.92%	102.17%	100.00%	-
Tax	-732,532	-736,848	-850,635	-862,635	-841,159	-822,850	-801,349	-5.79%
YoY %	0.59%	13.38%	1.39%	-2.55%	-2.23%	-2.68%	-	-
Horiz. %	91.41%	91.95%	106.15%	107.65%	104.97%	102.68%	100.00%	-
NP	2,222,588	2,215,417	2,428,902	2,487,809	2,432,587	2,395,972	2,348,968	-3.61%
YoY %	0.32%	-8.79%	-2.37%	2.27%	1.53%	2.00%	-	-
Horiz. %	94.62%	94.31%	103.40%	105.91%	103.56%	102.00%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,214,907	2,208,486	2,423,126	2,482,432	2,426,849	2,389,711	2,344,562	-3.71%
YoY %	0.29%	-8.86%	-2.39%	2.29%	1.55%	1.93%	-	-
Horiz. %	94.47%	94.20%	103.35%	105.88%	103.51%	101.93%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	24.79%	24.96%	25.94%	25.75%	25.69%	25.56%	25.44%	-
YoY %	-0.68%	-3.78%	0.74%	0.23%	0.51%	0.47%	-	-
Horiz. %	97.44%	98.11%	101.97%	101.22%	100.98%	100.47%	100.00%	-
Total Cost	10,714,693	11,049,837	10,981,254	11,040,656	10,980,654	10,884,080	10,173,717	3.50%
YoY %	-3.03%	0.62%	-0.54%	0.55%	0.89%	6.98%	-	-
Horiz. %	105.32%	108.61%	107.94%	108.52%	107.93%	106.98%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	27,308,406	26,546,497	26,065,292	25,784,588	25,824,690	24,862,278	24,381,073	7.82%
YoY %	2.87%	1.85%	1.09%	-0.16%	3.87%	1.97%	-	-
Horiz. %	112.01%	108.88%	106.91%	105.76%	105.92%	101.97%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Dividend
Div	741,858	741,858	1,243,113	1,243,113	1,022,561	1,022,561	822,059	-6.59%
YoY %	0.00%	-40.32%	0.00%	21.57%	0.00%	24.39%	-	-
Horiz. %	90.24%	90.24%	151.22%	151.22%	124.39%	124.39%	100.00%	-
Div Payout %	33.49%	33.59%	51.30%	50.08%	42.14%	42.79%	35.06%	-
YoY %	-0.30%	-34.52%	2.44%	18.84%	-1.52%	22.05%	-	-
Horiz. %	95.52%	95.81%	146.32%	142.84%	120.19%	122.05%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Equity
Net Worth	27,308,406	26,546,497	26,065,292	25,784,588	25,824,690	24,862,278	24,381,073	7.82%
YoY %	2.87%	1.85%	1.09%	-0.16%	3.87%	1.97%	-	-
Horiz. %	112.01%	108.88%	106.91%	105.76%	105.92%	101.97%	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%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Ratio Analysis
NP Margin	17.18%	16.70%	18.11%	18.39%	18.14%	18.04%	18.76%	-
YoY %	2.87%	-7.79%	-1.52%	1.38%	0.55%	-3.84%	-	-
Horiz. %	91.58%	89.02%	96.54%	98.03%	96.70%	96.16%	100.00%	-
ROE	8.11%	8.32%	9.30%	9.63%	9.40%	9.61%	9.62%	-
YoY %	-2.52%	-10.54%	-3.43%	2.45%	-2.19%	-0.10%	-	-
Horiz. %	84.30%	86.49%	96.67%	100.10%	97.71%	99.90%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Per Share
RPS	322.62	330.80	334.41	337.36	334.49	331.17	312.28	2.18%
YoY %	-2.47%	-1.08%	-0.87%	0.86%	1.00%	6.05%	-	-
Horiz. %	103.31%	105.93%	107.09%	108.03%	107.11%	106.05%	100.00%	-
EPS	55.23	55.07	60.43	61.91	60.52	59.59	58.47	-3.71%
YoY %	0.29%	-8.87%	-2.39%	2.30%	1.56%	1.92%	-	-
Horiz. %	94.46%	94.19%	103.35%	105.88%	103.51%	101.92%	100.00%	-
DPS	18.50	18.50	31.00	31.00	25.50	25.50	20.50	-6.59%
YoY %	0.00%	-40.32%	0.00%	21.57%	0.00%	24.39%	-	-
Horiz. %	90.24%	90.24%	151.22%	151.22%	124.39%	124.39%	100.00%	-
NAPS	6.81	6.62	6.50	6.43	6.44	6.20	6.08	7.82%
YoY %	2.87%	1.85%	1.09%	-0.16%	3.87%	1.97%	-	-
Horiz. %	112.01%	108.88%	106.91%	105.76%	105.92%	101.97%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Adjusted Per Share Value based on latest NOSH - 4,010,045
RPS	296.73	304.25	307.57	310.29	307.65	304.59	287.22	2.18%
YoY %	-2.47%	-1.08%	-0.88%	0.86%	1.00%	6.05%	-	-
Horiz. %	103.31%	105.93%	107.09%	108.03%	107.11%	106.05%	100.00%	-
EPS	50.80	50.65	55.58	56.94	55.66	54.81	53.77	-3.70%
YoY %	0.30%	-8.87%	-2.39%	2.30%	1.55%	1.93%	-	-
Horiz. %	94.48%	94.20%	103.37%	105.90%	103.51%	101.93%	100.00%	-
DPS	17.02	17.02	28.51	28.51	23.45	23.45	18.85	-6.56%
YoY %	0.00%	-40.30%	0.00%	21.58%	0.00%	24.40%	-	-
Horiz. %	90.29%	90.29%	151.25%	151.25%	124.40%	124.40%	100.00%	-
NAPS	6.2634	6.0887	5.9783	5.9139	5.9231	5.7024	5.592	7.82%
YoY %	2.87%	1.85%	1.09%	-0.16%	3.87%	1.97%	-	-
Horiz. %	112.01%	108.88%	106.91%	105.76%	105.92%	101.97%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	28/06/19	29/03/19	-
Price	4.57	4.79	4.69	5.78	5.64	5.59	5.70	-
P/RPS	1.42	1.45	1.40	1.71	1.69	1.69	1.83	-15.51%
YoY %	-2.07%	3.57%	-18.13%	1.18%	0.00%	-7.65%	-	-
Horiz. %	77.60%	79.23%	76.50%	93.44%	92.35%	92.35%	100.00%	-
P/EPS	8.27	8.70	7.76	9.34	9.32	9.38	9.75	-10.36%
YoY %	-4.94%	12.11%	-16.92%	0.21%	-0.64%	-3.79%	-	-
Horiz. %	84.82%	89.23%	79.59%	95.79%	95.59%	96.21%	100.00%	-
EY	12.09	11.50	12.88	10.71	10.73	10.66	10.26	11.52%
YoY %	5.13%	-10.71%	20.26%	-0.19%	0.66%	3.90%	-	-
Horiz. %	117.84%	112.09%	125.54%	104.39%	104.58%	103.90%	100.00%	-
DY	4.05	3.86	6.61	5.36	4.52	4.56	3.60	8.14%
YoY %	4.92%	-41.60%	23.32%	18.58%	-0.88%	26.67%	-	-
Horiz. %	112.50%	107.22%	183.61%	148.89%	125.56%	126.67%	100.00%	-
P/NAPS	0.67	0.72	0.72	0.90	0.88	0.90	0.94	-20.15%
YoY %	-6.94%	0.00%	-20.00%	2.27%	-2.22%	-4.26%	-	-
Horiz. %	71.28%	76.60%	76.60%	95.74%	93.62%	95.74%	100.00%	-

	30/09/20	30/06/20	31/03/20	31/12/19	30/09/19	30/06/19	31/03/19	CAGR
Price Multiplier on Announcement Date
Date	30/11/20	28/08/20	29/05/20	27/02/20	25/11/19	26/08/19	27/05/19	-
Price	5.15	4.58	4.77	5.61	5.78	5.62	5.70	-
P/RPS	1.60	1.38	1.43	1.66	1.73	1.70	1.83	-8.54%
YoY %	15.94%	-3.50%	-13.86%	-4.05%	1.76%	-7.10%	-	-
Horiz. %	87.43%	75.41%	78.14%	90.71%	94.54%	92.90%	100.00%	-
P/EPS	9.32	8.32	7.89	9.06	9.55	9.43	9.75	-2.95%
YoY %	12.02%	5.45%	-12.91%	-5.13%	1.27%	-3.28%	-	-
Horiz. %	95.59%	85.33%	80.92%	92.92%	97.95%	96.72%	100.00%	-
EY	10.73	12.02	12.67	11.03	10.47	10.60	10.26	3.02%
YoY %	-10.73%	-5.13%	14.87%	5.35%	-1.23%	3.31%	-	-
Horiz. %	104.58%	117.15%	123.49%	107.50%	102.05%	103.31%	100.00%	-
DY	3.59	4.04	6.50	5.53	4.41	4.54	3.60	-0.18%
YoY %	-11.14%	-37.85%	17.54%	25.40%	-2.86%	26.11%	-	-
Horiz. %	99.72%	112.22%	180.56%	153.61%	122.50%	126.11%	100.00%	-
P/NAPS	0.76	0.69	0.73	0.87	0.90	0.91	0.94	-13.17%
YoY %	10.14%	-5.48%	-16.09%	-3.33%	-1.10%	-3.19%	-	-
Horiz. %	80.85%	73.40%	77.66%	92.55%	95.74%	96.81%	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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