[RHBBANK] QoQ TTM Result on 31-Mar-2021 [#1]

	31/12/21	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	CAGR
TTM Result
Revenue	11,749,107	11,938,344	11,921,562	12,268,161	12,593,365	12,937,281	13,265,254	-7.75%
YoY %	-1.59%	0.14%	-2.83%	-2.58%	-2.66%	-2.47%	-	-
Horiz. %	88.57%	90.00%	89.87%	92.48%	94.93%	97.53%	100.00%	-
PBT	3,528,753	3,180,403	3,188,424	2,789,224	2,677,533	2,955,120	2,952,265	12.59%
YoY %	10.95%	-0.25%	14.31%	4.17%	-9.39%	0.10%	-	-
Horiz. %	119.53%	107.73%	108.00%	94.48%	90.69%	100.10%	100.00%	-
Tax	-905,621	-749,191	-771,017	-671,604	-638,381	-732,532	-736,848	14.69%
YoY %	-20.88%	2.83%	-14.80%	-5.20%	12.85%	0.59%	-	-
Horiz. %	122.90%	101.68%	104.64%	91.15%	86.64%	99.41%	100.00%	-
NP	2,623,132	2,431,212	2,417,407	2,117,620	2,039,152	2,222,588	2,215,417	11.88%
YoY %	7.89%	0.57%	14.16%	3.85%	-8.25%	0.32%	-	-
Horiz. %	118.40%	109.74%	109.12%	95.59%	92.04%	100.32%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,618,388	2,425,854	2,412,511	2,111,938	2,032,530	2,214,907	2,208,486	11.98%
YoY %	7.94%	0.55%	14.23%	3.91%	-8.23%	0.29%	-	-
Horiz. %	118.56%	109.84%	109.24%	95.63%	92.03%	100.29%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	25.66%	23.56%	24.18%	24.08%	23.84%	24.79%	24.96%	-
YoY %	8.91%	-2.56%	0.42%	1.01%	-3.83%	-0.68%	-	-
Horiz. %	102.80%	94.39%	96.88%	96.47%	95.51%	99.32%	100.00%	-
Total Cost	9,125,975	9,507,132	9,504,155	10,150,541	10,554,213	10,714,693	11,049,837	-11.94%
YoY %	-4.01%	0.03%	-6.37%	-3.82%	-1.50%	-3.03%	-	-
Horiz. %	82.59%	86.04%	86.01%	91.86%	95.51%	96.97%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	27,806,567	27,827,307	27,520,536	26,666,799	27,027,702	27,308,406	26,546,497	3.13%
YoY %	-0.07%	1.11%	3.20%	-1.34%	-1.03%	2.87%	-	-
Horiz. %	104.75%	104.82%	103.67%	100.45%	101.81%	102.87%	100.00%	-

	31/12/21	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	CAGR
Dividend
Div	1,630,145	1,309,279	1,309,279	707,772	707,772	741,858	741,858	68.77%
YoY %	24.51%	0.00%	84.99%	0.00%	-4.59%	0.00%	-	-
Horiz. %	219.74%	176.49%	176.49%	95.41%	95.41%	100.00%	100.00%	-
Div Payout %	62.26%	53.97%	54.27%	33.51%	34.82%	33.49%	33.59%	-
YoY %	15.36%	-0.55%	61.95%	-3.76%	3.97%	-0.30%	-	-
Horiz. %	185.35%	160.67%	161.57%	99.76%	103.66%	99.70%	100.00%	-

	31/12/21	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	CAGR
Equity
Net Worth	27,806,567	27,827,307	27,520,536	26,666,799	27,027,702	27,308,406	26,546,497	3.13%
YoY %	-0.07%	1.11%	3.20%	-1.34%	-1.03%	2.87%	-	-
Horiz. %	104.75%	104.82%	103.67%	100.45%	101.81%	102.87%	100.00%	-
NOSH	4,142,918	4,068,360	4,010,045	4,010,045	4,010,045	4,010,045	4,010,045	2.19%
YoY %	1.83%	1.45%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	103.31%	101.45%	100.00%	100.00%	100.00%	100.00%	100.00%	-

	31/12/21	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	CAGR
Ratio Analysis
NP Margin	22.33%	20.36%	20.28%	17.26%	16.19%	17.18%	16.70%	-
YoY %	9.68%	0.39%	17.50%	6.61%	-5.76%	2.87%	-	-
Horiz. %	133.71%	121.92%	121.44%	103.35%	96.95%	102.87%	100.00%	-
ROE	9.42%	8.72%	8.77%	7.92%	7.52%	8.11%	8.32%	-
YoY %	8.03%	-0.57%	10.73%	5.32%	-7.27%	-2.52%	-	-
Horiz. %	113.22%	104.81%	105.41%	95.19%	90.38%	97.48%	100.00%	-

	31/12/21	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	CAGR
Per Share
RPS	285.55	293.76	297.29	305.94	314.05	322.62	330.80	-9.31%
YoY %	-2.79%	-1.19%	-2.83%	-2.58%	-2.66%	-2.47%	-	-
Horiz. %	86.32%	88.80%	89.87%	92.48%	94.94%	97.53%	100.00%	-
EPS	63.64	59.69	60.16	52.67	50.69	55.23	55.07	10.09%
YoY %	6.62%	-0.78%	14.22%	3.91%	-8.22%	0.29%	-	-
Horiz. %	115.56%	108.39%	109.24%	95.64%	92.05%	100.29%	100.00%	-
DPS	39.62	32.65	32.65	17.65	17.65	18.50	18.50	65.91%
YoY %	21.35%	0.00%	84.99%	0.00%	-4.59%	0.00%	-	-
Horiz. %	214.16%	176.49%	176.49%	95.41%	95.41%	100.00%	100.00%	-
NAPS	6.7581	6.8474	6.8629	6.65	6.74	6.81	6.62	1.38%
YoY %	-1.30%	-0.23%	3.20%	-1.34%	-1.03%	2.87%	-	-
Horiz. %	102.09%	103.44%	103.67%	100.45%	101.81%	102.87%	100.00%	-

	31/12/21	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	CAGR
Adjusted Per Share Value based on latest NOSH - 4,010,045
RPS	269.48	273.82	273.43	281.38	288.84	296.73	304.25	-7.75%
YoY %	-1.58%	0.14%	-2.83%	-2.58%	-2.66%	-2.47%	-	-
Horiz. %	88.57%	90.00%	89.87%	92.48%	94.94%	97.53%	100.00%	-
EPS	60.06	55.64	55.33	48.44	46.62	50.80	50.65	11.99%
YoY %	7.94%	0.56%	14.22%	3.90%	-8.23%	0.30%	-	-
Horiz. %	118.58%	109.85%	109.24%	95.64%	92.04%	100.30%	100.00%	-
DPS	37.39	30.03	30.03	16.23	16.23	17.02	17.02	68.74%
YoY %	24.51%	0.00%	85.03%	0.00%	-4.64%	0.00%	-	-
Horiz. %	219.68%	176.44%	176.44%	95.36%	95.36%	100.00%	100.00%	-
NAPS	6.3777	6.3824	6.3121	6.1163	6.1991	6.2634	6.0887	3.13%
YoY %	-0.07%	1.11%	3.20%	-1.34%	-1.03%	2.87%	-	-
Horiz. %	104.75%	104.82%	103.67%	100.45%	101.81%	102.87%	100.00%	-

	31/12/21	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	CAGR
Price Multiplier on Financial Quarter End Date
Date	31/12/21	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	-
Price	5.37	5.46	5.40	5.37	5.45	4.57	4.79	-
P/RPS	1.88	1.86	1.82	1.76	1.74	1.42	1.45	18.84%
YoY %	1.08%	2.20%	3.41%	1.15%	22.54%	-2.07%	-	-
Horiz. %	129.66%	128.28%	125.52%	121.38%	120.00%	97.93%	100.00%	-
P/EPS	8.44	9.15	8.98	10.20	10.75	8.27	8.70	-1.99%
YoY %	-7.76%	1.89%	-11.96%	-5.12%	29.99%	-4.94%	-	-
Horiz. %	97.01%	105.17%	103.22%	117.24%	123.56%	95.06%	100.00%	-
EY	11.85	10.93	11.14	9.81	9.30	12.09	11.50	2.01%
YoY %	8.42%	-1.89%	13.56%	5.48%	-23.08%	5.13%	-	-
Horiz. %	103.04%	95.04%	96.87%	85.30%	80.87%	105.13%	100.00%	-
DY	7.38	5.98	6.05	3.29	3.24	4.05	3.86	53.86%
YoY %	23.41%	-1.16%	83.89%	1.54%	-20.00%	4.92%	-	-
Horiz. %	191.19%	154.92%	156.74%	85.23%	83.94%	104.92%	100.00%	-
P/NAPS	0.79	0.80	0.79	0.81	0.81	0.67	0.72	6.36%
YoY %	-1.25%	1.27%	-2.47%	0.00%	20.90%	-6.94%	-	-
Horiz. %	109.72%	111.11%	109.72%	112.50%	112.50%	93.06%	100.00%	-

	31/12/21	30/09/21	30/06/21	31/03/21	31/12/20	30/09/20	30/06/20	CAGR
Price Multiplier on Announcement Date
Date	28/02/22	30/11/21	27/08/21	27/05/21	26/02/21	30/11/20	28/08/20	-
Price	5.90	5.28	5.51	5.15	5.42	5.15	4.58	-
P/RPS	2.07	1.80	1.85	1.68	1.73	1.60	1.38	30.94%
YoY %	15.00%	-2.70%	10.12%	-2.89%	8.12%	15.94%	-	-
Horiz. %	150.00%	130.43%	134.06%	121.74%	125.36%	115.94%	100.00%	-
P/EPS	9.27	8.85	9.16	9.78	10.69	9.32	8.32	7.45%
YoY %	4.75%	-3.38%	-6.34%	-8.51%	14.70%	12.02%	-	-
Horiz. %	111.42%	106.37%	110.10%	117.55%	128.49%	112.02%	100.00%	-
EY	10.79	11.31	10.92	10.23	9.35	10.73	12.02	-6.92%
YoY %	-4.60%	3.57%	6.74%	9.41%	-12.86%	-10.73%	-	-
Horiz. %	89.77%	94.09%	90.85%	85.11%	77.79%	89.27%	100.00%	-
DY	6.72	6.18	5.93	3.43	3.26	3.59	4.04	40.25%
YoY %	8.74%	4.22%	72.89%	5.21%	-9.19%	-11.14%	-	-
Horiz. %	166.34%	152.97%	146.78%	84.90%	80.69%	88.86%	100.00%	-
P/NAPS	0.87	0.77	0.80	0.77	0.80	0.76	0.69	16.66%
YoY %	12.99%	-3.75%	3.90%	-3.75%	5.26%	10.14%	-	-
Horiz. %	126.09%	111.59%	115.94%	111.59%	115.94%	110.14%	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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