[BIMB] QoQ TTM Result on 30-Sep-2022 [#3]

Stock

[BIMB] BANK ISLAM MALAYSIA BERHAD

Announcement Date

30-Nov-2022

Admission Sponsor

Sponsor

Financial Year

31-Dec-2022

Quarter

30-Sep-2022 [#3]

Profit Trend

QoQ- 10.2%

YoY- -37.32%

Quarter Report

BIMB's Financial Summary

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YoY %

Horiz. %

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
TTM Result
Revenue	4,203,623	3,906,243	3,576,354	3,346,952	3,159,488	3,583,194	4,006,070	3.27%
YoY %	7.61%	9.22%	6.85%	5.93%	-11.82%	-10.56%	-	-
Horiz. %	104.93%	97.51%	89.27%	83.55%	78.87%	89.44%	100.00%	-
PBT	752,016	749,066	746,866	635,960	569,766	687,466	841,495	-7.23%
YoY %	0.39%	0.29%	17.44%	11.62%	-17.12%	-18.30%	-	-
Horiz. %	89.37%	89.02%	88.75%	75.58%	67.71%	81.70%	100.00%	-
Tax	-229,193	-245,223	-255,194	-190,388	-165,424	-181,916	-198,059	10.25%
YoY %	6.54%	3.91%	-34.04%	-15.09%	9.07%	8.15%	-	-
Horiz. %	115.72%	123.81%	128.85%	96.13%	83.52%	91.85%	100.00%	-
NP	522,823	503,843	491,672	445,572	404,342	505,550	643,436	-12.95%
YoY %	3.77%	2.48%	10.35%	10.20%	-20.02%	-21.43%	-	-
Horiz. %	81.25%	78.31%	76.41%	69.25%	62.84%	78.57%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	522,823	503,843	491,672	445,572	404,342	471,799	568,341	-5.42%
YoY %	3.77%	2.48%	10.35%	10.20%	-14.30%	-16.99%	-	-
Horiz. %	91.99%	88.65%	86.51%	78.40%	71.14%	83.01%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	30.48%	32.74%	34.17%	29.94%	29.03%	26.46%	23.54%	-
YoY %	-6.90%	-4.18%	14.13%	3.13%	9.71%	12.40%	-	-
Horiz. %	129.48%	139.08%	145.16%	127.19%	123.32%	112.40%	100.00%	-
Total Cost	3,680,800	3,402,400	3,084,682	2,901,380	2,755,146	3,077,644	3,362,634	6.22%
YoY %	8.18%	10.30%	6.32%	5.31%	-10.48%	-8.48%	-	-
Horiz. %	109.46%	101.18%	91.73%	86.28%	81.93%	91.52%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	7,285,620	7,086,163	6,789,097	6,810,650	6,659,781	6,605,261	6,393,687	9.12%
YoY %	2.81%	4.38%	-0.32%	2.27%	0.83%	3.31%	-	-
Horiz. %	113.95%	110.83%	106.18%	106.52%	104.16%	103.31%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Dividend
Div	297,427	297,427	297,427	-	272,062	272,062	272,062	6.14%
YoY %	0.00%	0.00%	0.00%	-	0.00%	0.00%	-	-
Horiz. %	109.32%	109.32%	109.32%	-	100.00%	100.00%	100.00%	-
Div Payout %	56.89%	59.03%	60.49%	-	67.29%	57.66%	47.87%	-
YoY %	-3.63%	-2.41%	0.00%	-	16.70%	20.45%	-	-
Horiz. %	118.84%	123.31%	126.36%	-	140.57%	120.45%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Equity
Net Worth	7,285,620	7,086,163	6,789,097	6,810,650	6,659,781	6,605,261	6,393,687	9.12%
YoY %	2.81%	4.38%	-0.32%	2.27%	0.83%	3.31%	-	-
Horiz. %	113.95%	110.83%	106.18%	106.52%	104.16%	103.31%	100.00%	-
NOSH	2,266,473	2,244,005	2,155,269	2,155,269	2,155,269	2,155,269	2,075,872	6.04%
YoY %	1.00%	4.12%	0.00%	0.00%	0.00%	3.82%	-	-
Horiz. %	109.18%	108.10%	103.82%	103.82%	103.82%	103.82%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Ratio Analysis
NP Margin	12.44%	12.90%	13.75%	13.31%	12.80%	14.11%	16.06%	-
YoY %	-3.57%	-6.18%	3.31%	3.98%	-9.28%	-12.14%	-	-
Horiz. %	77.46%	80.32%	85.62%	82.88%	79.70%	87.86%	100.00%	-
ROE	7.18%	7.11%	7.24%	6.54%	6.07%	7.14%	8.89%	-
YoY %	0.98%	-1.80%	10.70%	7.74%	-14.99%	-19.69%	-	-
Horiz. %	80.76%	79.98%	81.44%	73.57%	68.28%	80.31%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Per Share
RPS	186.36	176.40	165.94	155.29	146.59	167.63	192.98	-2.30%
YoY %	5.65%	6.30%	6.86%	5.93%	-12.55%	-13.14%	-	-
Horiz. %	96.57%	91.41%	85.99%	80.47%	75.96%	86.86%	100.00%	-
EPS	23.18	22.75	22.81	20.67	18.76	22.07	27.38	-10.53%
YoY %	1.89%	-0.26%	10.35%	10.18%	-15.00%	-19.39%	-	-
Horiz. %	84.66%	83.09%	83.31%	75.49%	68.52%	80.61%	100.00%	-
DPS	13.19	13.43	13.80	0.00	12.62	12.73	13.11	0.40%
YoY %	-1.79%	-2.68%	0.00%	0.00%	-0.86%	-2.90%	-	-
Horiz. %	100.61%	102.44%	105.26%	0.00%	96.26%	97.10%	100.00%	-
NAPS	3.23	3.20	3.15	3.16	3.09	3.09	3.08	3.22%
YoY %	0.94%	1.59%	-0.32%	2.27%	0.00%	0.32%	-	-
Horiz. %	104.87%	103.90%	102.27%	102.60%	100.32%	100.32%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Adjusted Per Share Value based on latest NOSH - 2,155,269
RPS	185.47	172.35	157.79	147.67	139.40	158.10	176.75	3.27%
YoY %	7.61%	9.23%	6.85%	5.93%	-11.83%	-10.55%	-	-
Horiz. %	104.93%	97.51%	89.27%	83.55%	78.87%	89.45%	100.00%	-
EPS	23.07	22.23	21.69	19.66	17.84	20.82	25.08	-5.43%
YoY %	3.78%	2.49%	10.33%	10.20%	-14.31%	-16.99%	-	-
Horiz. %	91.99%	88.64%	86.48%	78.39%	71.13%	83.01%	100.00%	-
DPS	13.12	13.12	13.12	0.00	12.00	12.00	12.00	6.14%
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	109.33%	109.33%	109.33%	0.00%	100.00%	100.00%	100.00%	-
NAPS	3.2145	3.1265	2.9954	3.005	2.9384	2.9143	2.821	9.12%
YoY %	2.81%	4.38%	-0.32%	2.27%	0.83%	3.31%	-	-
Horiz. %	113.95%	110.83%	106.18%	106.52%	104.16%	103.31%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/06/23	31/03/23	30/12/22	30/09/22	30/06/22	31/03/22	31/12/21	-
Price	1.95	2.15	2.73	2.57	2.68	2.95	3.00	-
P/RPS	1.05	1.22	1.65	1.65	1.83	1.76	1.55	-22.92%
YoY %	-13.93%	-26.06%	0.00%	-9.84%	3.98%	13.55%	-	-
Horiz. %	67.74%	78.71%	106.45%	106.45%	118.06%	113.55%	100.00%	-
P/EPS	8.41	9.45	11.97	12.43	14.29	13.37	10.96	-16.22%
YoY %	-11.01%	-21.05%	-3.70%	-13.02%	6.88%	21.99%	-	-
Horiz. %	76.73%	86.22%	109.22%	113.41%	130.38%	121.99%	100.00%	-
EY	11.89	10.58	8.36	8.04	7.00	7.48	9.13	19.31%
YoY %	12.38%	26.56%	3.98%	14.86%	-6.42%	-18.07%	-	-
Horiz. %	130.23%	115.88%	91.57%	88.06%	76.67%	81.93%	100.00%	-
DY	6.76	6.25	5.05	0.00	4.71	4.31	4.37	33.86%
YoY %	8.16%	23.76%	0.00%	0.00%	9.28%	-1.37%	-	-
Horiz. %	154.69%	143.02%	115.56%	0.00%	107.78%	98.63%	100.00%	-
P/NAPS	0.60	0.67	0.87	0.81	0.87	0.95	0.97	-27.46%
YoY %	-10.45%	-22.99%	7.41%	-6.90%	-8.42%	-2.06%	-	-
Horiz. %	61.86%	69.07%	89.69%	83.51%	89.69%	97.94%	100.00%	-

	30/06/23	31/03/23	31/12/22	30/09/22	30/06/22	31/03/22	31/12/21	CAGR
Price Multiplier on Announcement Date
Date	29/08/23	30/05/23	27/02/23	30/11/22	30/08/22	31/05/22	28/02/22	-
Price	2.09	1.87	2.27	2.56	2.61	2.92	2.99	-
P/RPS	1.12	1.06	1.37	1.65	1.78	1.74	1.55	-19.52%
YoY %	5.66%	-22.63%	-16.97%	-7.30%	2.30%	12.26%	-	-
Horiz. %	72.26%	68.39%	88.39%	106.45%	114.84%	112.26%	100.00%	-
P/EPS	9.02	8.22	9.95	12.38	13.91	13.23	10.92	-11.99%
YoY %	9.73%	-17.39%	-19.63%	-11.00%	5.14%	21.15%	-	-
Horiz. %	82.60%	75.27%	91.12%	113.37%	127.38%	121.15%	100.00%	-
EY	11.09	12.17	10.05	8.08	7.19	7.56	9.16	13.63%
YoY %	-8.87%	21.09%	24.38%	12.38%	-4.89%	-17.47%	-	-
Horiz. %	121.07%	132.86%	109.72%	88.21%	78.49%	82.53%	100.00%	-
DY	6.31	7.18	6.08	0.00	4.84	4.36	4.38	27.64%
YoY %	-12.12%	18.09%	0.00%	0.00%	11.01%	-0.46%	-	-
Horiz. %	144.06%	163.93%	138.81%	0.00%	110.50%	99.54%	100.00%	-
P/NAPS	0.65	0.58	0.72	0.81	0.84	0.94	0.97	-23.47%
YoY %	12.07%	-19.44%	-11.11%	-3.57%	-10.64%	-3.09%	-	-
Horiz. %	67.01%	59.79%	74.23%	83.51%	86.60%	96.91%	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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