[RHBBANK] YoY Annual (Unaudited) Result on 31-Dec-2018 [#4]

	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	CAGR
Annual (Unaudited) Result
Revenue	11,748,749	12,593,365	13,528,464	12,690,208	10,570,766	10,568,789	10,776,708	1.44%
YoY %	-6.71%	-6.91%	6.61%	20.05%	0.02%	-1.93%	-	-
Horiz. %	109.02%	116.86%	125.53%	117.76%	98.09%	98.07%	100.00%	-
PBT	3,528,753	2,677,533	3,350,444	3,119,055	2,558,132	2,231,841	2,250,584	7.77%
YoY %	31.79%	-20.08%	7.42%	21.93%	14.62%	-0.83%	-	-
Horiz. %	156.79%	118.97%	148.87%	138.59%	113.67%	99.17%	100.00%	-
Tax	-905,621	-638,381	-862,635	-810,143	-602,092	-544,253	-582,032	7.63%
YoY %	-41.86%	26.00%	-6.48%	-34.55%	-10.63%	6.49%	-	-
Horiz. %	155.60%	109.68%	148.21%	139.19%	103.45%	93.51%	100.00%	-
NP	2,623,132	2,039,152	2,487,809	2,308,912	1,956,040	1,687,588	1,668,552	7.82%
YoY %	28.64%	-18.03%	7.75%	18.04%	15.91%	1.14%	-	-
Horiz. %	157.21%	122.21%	149.10%	138.38%	117.23%	101.14%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	2,618,388	2,032,530	2,482,432	2,305,196	1,950,145	1,681,624	1,664,972	7.83%
YoY %	28.82%	-18.12%	7.69%	18.21%	15.97%	1.00%	-	-
Horiz. %	157.26%	122.08%	149.10%	138.45%	117.13%	101.00%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	25.66%	23.84%	25.75%	25.97%	23.54%	24.39%	25.86%	-
YoY %	7.63%	-7.42%	-0.85%	10.32%	-3.49%	-5.68%	-	-
Horiz. %	99.23%	92.19%	99.57%	100.43%	91.03%	94.32%	100.00%	-
Total Cost	9,125,617	10,554,213	11,040,655	10,381,296	8,614,726	8,881,201	9,108,156	0.03%
YoY %	-13.54%	-4.41%	6.35%	20.51%	-3.00%	-2.49%	-	-
Horiz. %	100.19%	115.88%	121.22%	113.98%	94.58%	97.51%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	27,806,567	27,027,702	25,784,588	23,338,462	23,137,959	21,734,444	6,633,629	26.95%
YoY %	2.88%	4.82%	10.48%	0.87%	6.46%	227.64%	-	-
Horiz. %	419.18%	407.43%	388.70%	351.82%	348.80%	327.64%	100.00%	-

	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	CAGR
Dividend
Div	1,645,821	707,772	1,243,113	822,059	601,506	481,205	424,812	25.29%
YoY %	132.54%	-43.06%	51.22%	36.67%	25.00%	13.27%	-	-
Horiz. %	387.42%	166.61%	292.63%	193.51%	141.59%	113.27%	100.00%	-
Div Payout %	62.86%	34.82%	50.08%	35.66%	30.84%	28.62%	25.51%	-
YoY %	80.53%	-30.47%	40.44%	15.63%	7.76%	12.19%	-	-
Horiz. %	246.41%	136.50%	196.32%	139.79%	120.89%	112.19%	100.00%	-

	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	CAGR
Equity
Net Worth	27,806,567	27,027,702	25,784,588	23,338,462	23,137,959	21,734,444	6,633,629	26.95%
YoY %	2.88%	4.82%	10.48%	0.87%	6.46%	227.64%	-	-
Horiz. %	419.18%	407.43%	388.70%	351.82%	348.80%	327.64%	100.00%	-
NOSH	4,142,918	4,010,045	4,010,045	4,010,045	4,010,045	4,010,045	2,601,423	8.05%
YoY %	3.31%	0.00%	0.00%	0.00%	0.00%	54.15%	-	-
Horiz. %	159.26%	154.15%	154.15%	154.15%	154.15%	154.15%	100.00%	-

	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	CAGR
Ratio Analysis
NP Margin	22.33%	16.19%	18.39%	18.19%	18.50%	15.97%	15.48%	-
YoY %	37.92%	-11.96%	1.10%	-1.68%	15.84%	3.17%	-	-
Horiz. %	144.25%	104.59%	118.80%	117.51%	119.51%	103.17%	100.00%	-
ROE	9.42%	7.52%	9.63%	9.88%	8.43%	7.74%	25.10%	-
YoY %	25.27%	-21.91%	-2.53%	17.20%	8.91%	-69.16%	-	-
Horiz. %	37.53%	29.96%	38.37%	39.36%	33.59%	30.84%	100.00%	-

	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	CAGR
Per Share
RPS	285.54	314.05	337.36	316.46	263.61	263.56	414.26	-6.00%
YoY %	-9.08%	-6.91%	6.60%	20.05%	0.02%	-36.38%	-	-
Horiz. %	68.93%	75.81%	81.44%	76.39%	63.63%	63.62%	100.00%	-
EPS	64.65	50.69	61.91	57.49	48.60	43.60	24.20	17.77%
YoY %	27.54%	-18.12%	7.69%	18.29%	11.47%	80.17%	-	-
Horiz. %	267.15%	209.46%	255.83%	237.56%	200.83%	180.17%	100.00%	-
DPS	40.00	17.65	31.00	20.50	15.00	12.00	16.33	16.08%
YoY %	126.63%	-43.06%	51.22%	36.67%	25.00%	-26.52%	-	-
Horiz. %	244.95%	108.08%	189.83%	125.54%	91.86%	73.48%	100.00%	-
NAPS	6.7581	6.74	6.43	5.82	5.77	5.42	2.55	17.62%
YoY %	0.27%	4.82%	10.48%	0.87%	6.46%	112.55%	-	-
Horiz. %	265.02%	264.31%	252.16%	228.24%	226.27%	212.55%	100.00%	-

	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	CAGR
Adjusted Per Share Value based on latest NOSH - 4,010,045
RPS	269.50	288.87	310.32	291.09	242.48	242.43	247.20	1.44%
YoY %	-6.71%	-6.91%	6.61%	20.05%	0.02%	-1.93%	-	-
Horiz. %	109.02%	116.86%	125.53%	117.75%	98.09%	98.07%	100.00%	-
EPS	60.06	46.62	56.94	52.88	44.73	38.57	38.19	7.83%
YoY %	28.83%	-18.12%	7.68%	18.22%	15.97%	1.00%	-	-
Horiz. %	157.27%	122.07%	149.10%	138.47%	117.12%	101.00%	100.00%	-
DPS	37.75	16.24	28.52	18.86	13.80	11.04	9.74	25.30%
YoY %	132.45%	-43.06%	51.22%	36.67%	25.00%	13.35%	-	-
Horiz. %	387.58%	166.74%	292.81%	193.63%	141.68%	113.35%	100.00%	-
NAPS	6.3784	6.1997	5.9146	5.3535	5.3075	4.9855	1.5217	26.95%
YoY %	2.88%	4.82%	10.48%	0.87%	6.46%	227.63%	-	-
Horiz. %	419.16%	407.42%	388.68%	351.81%	348.79%	327.63%	100.00%	-

	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	CAGR
Price Multiplier on Financial Quarter End Date
Date	31/12/21	31/12/20	31/12/19	31/12/18	29/12/17	30/12/16	31/12/15	-
Price	5.37	5.45	5.78	5.29	5.00	4.71	5.67	-
P/RPS	1.88	1.74	1.71	1.67	1.90	1.79	1.37	5.41%
YoY %	8.05%	1.75%	2.40%	-12.11%	6.15%	30.66%	-	-
Horiz. %	137.23%	127.01%	124.82%	121.90%	138.69%	130.66%	100.00%	-
P/EPS	8.44	10.75	9.34	9.20	10.28	11.23	8.86	-0.80%
YoY %	-21.49%	15.10%	1.52%	-10.51%	-8.46%	26.75%	-	-
Horiz. %	95.26%	121.33%	105.42%	103.84%	116.03%	126.75%	100.00%	-
EY	11.85	9.30	10.71	10.87	9.73	8.90	11.29	0.80%
YoY %	27.42%	-13.17%	-1.47%	11.72%	9.33%	-21.17%	-	-
Horiz. %	104.96%	82.37%	94.86%	96.28%	86.18%	78.83%	100.00%	-
DY	7.45	3.24	5.36	3.88	3.00	2.55	2.88	17.14%
YoY %	129.94%	-39.55%	38.14%	29.33%	17.65%	-11.46%	-	-
Horiz. %	258.68%	112.50%	186.11%	134.72%	104.17%	88.54%	100.00%	-
P/NAPS	0.79	0.81	0.90	0.91	0.87	0.87	2.22	-15.80%
YoY %	-2.47%	-10.00%	-1.10%	4.60%	0.00%	-60.81%	-	-
Horiz. %	35.59%	36.49%	40.54%	40.99%	39.19%	39.19%	100.00%	-

	31/12/21	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	CAGR
Price Multiplier on Announcement Date
Date	28/02/22	26/02/21	27/02/20	27/02/19	27/02/18	24/02/17	26/02/16	-
Price	5.80	5.42	5.60	5.59	5.47	4.93	5.35	-
P/RPS	2.03	1.73	1.66	1.77	2.08	1.87	1.29	7.84%
YoY %	17.34%	4.22%	-6.21%	-14.90%	11.23%	44.96%	-	-
Horiz. %	157.36%	134.11%	128.68%	137.21%	161.24%	144.96%	100.00%	-
P/EPS	9.11	10.69	9.05	9.72	11.25	11.76	8.36	1.44%
YoY %	-14.78%	18.12%	-6.89%	-13.60%	-4.34%	40.67%	-	-
Horiz. %	108.97%	127.87%	108.25%	116.27%	134.57%	140.67%	100.00%	-
EY	10.97	9.35	11.05	10.28	8.89	8.51	11.96	-1.42%
YoY %	17.33%	-15.38%	7.49%	15.64%	4.47%	-28.85%	-	-
Horiz. %	91.72%	78.18%	92.39%	85.95%	74.33%	71.15%	100.00%	-
DY	6.90	3.26	5.54	3.67	2.74	2.43	3.05	14.56%
YoY %	111.66%	-41.16%	50.95%	33.94%	12.76%	-20.33%	-	-
Horiz. %	226.23%	106.89%	181.64%	120.33%	89.84%	79.67%	100.00%	-
P/NAPS	0.86	0.80	0.87	0.96	0.95	0.91	2.10	-13.81%
YoY %	7.50%	-8.05%	-9.38%	1.05%	4.40%	-56.67%	-	-
Horiz. %	40.95%	38.10%	41.43%	45.71%	45.24%	43.33%	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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