[RHBBANK] YoY Annualized Quarter Result on 30-Sep-2023 [#3]

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Annualized Quarter Result
Revenue	17,774,780	16,241,881	12,438,014	11,809,286	12,683,125	13,471,370	12,506,489	6.02%
YoY %	9.44%	30.58%	5.32%	-6.89%	-5.85%	7.72%	-	-
Horiz. %	142.12%	129.87%	99.45%	94.43%	101.41%	107.72%	100.00%	-
PBT	3,963,693	3,930,120	3,931,522	3,474,928	2,804,434	3,331,533	3,125,278	4.03%
YoY %	0.85%	-0.04%	13.14%	23.91%	-15.82%	6.60%	-	-
Horiz. %	126.83%	125.75%	125.80%	111.19%	89.73%	106.60%	100.00%	-
Tax	-912,502	-965,834	-1,347,416	-819,100	-671,353	-844,824	-803,469	2.14%
YoY %	5.52%	28.32%	-64.50%	-22.01%	20.53%	-5.15%	-	-
Horiz. %	113.57%	120.21%	167.70%	101.95%	83.56%	105.15%	100.00%	-
NP	3,051,190	2,964,285	2,584,106	2,655,828	2,133,081	2,486,709	2,321,809	4.65%
YoY %	2.93%	14.71%	-2.70%	24.51%	-14.22%	7.10%	-	-
Horiz. %	131.41%	127.67%	111.30%	114.39%	91.87%	107.10%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	3,047,558	2,960,422	2,580,764	2,649,630	2,125,198	2,481,898	2,319,694	4.64%
YoY %	2.94%	14.71%	-2.60%	24.68%	-14.37%	6.99%	-	-
Horiz. %	131.38%	127.62%	111.25%	114.22%	91.62%	106.99%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	23.02%	24.58%	34.27%	23.57%	23.94%	25.36%	25.71%	-
YoY %	-6.35%	-28.28%	45.40%	-1.55%	-5.60%	-1.36%	-	-
Horiz. %	89.54%	95.60%	133.29%	91.68%	93.12%	98.64%	100.00%	-
Total Cost	14,723,589	13,277,596	9,853,908	9,153,458	10,550,044	10,984,661	10,184,680	6.32%
YoY %	10.89%	34.74%	7.65%	-13.24%	-3.96%	7.85%	-	-
Horiz. %	144.57%	130.37%	96.75%	89.87%	103.59%	107.85%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	31,460,265	29,910,137	28,044,431	27,827,307	27,308,406	25,824,690	23,338,462	5.09%
YoY %	5.18%	6.65%	0.78%	1.90%	5.75%	10.65%	-	-
Horiz. %	134.80%	128.16%	120.16%	119.23%	117.01%	110.65%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Dividend
Div	864,637	857,269	842,415	812,784	-	668,340	401,004	13.64%
YoY %	0.86%	1.76%	3.65%	0.00%	-	66.67%	-	-
Horiz. %	215.62%	213.78%	210.08%	202.69%	-	166.67%	100.00%	-
Div Payout %	28.37%	28.96%	32.64%	30.68%	-	26.93%	17.29%	-
YoY %	-2.04%	-11.27%	6.39%	0.00%	-	55.75%	-	-
Horiz. %	164.08%	167.50%	188.78%	177.44%	-	155.75%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Equity
Net Worth	31,460,265	29,910,137	28,044,431	27,827,307	27,308,406	25,824,690	23,338,462	5.09%
YoY %	5.18%	6.65%	0.78%	1.90%	5.75%	10.65%	-	-
Horiz. %	134.80%	128.16%	120.16%	119.23%	117.01%	110.65%	100.00%	-
NOSH	4,323,187	4,286,348	4,212,077	4,068,360	4,010,045	4,010,045	4,010,045	1.25%
YoY %	0.86%	1.76%	3.53%	1.45%	0.00%	0.00%	-	-
Horiz. %	107.81%	106.89%	105.04%	101.45%	100.00%	100.00%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Ratio Analysis
NP Margin	17.17%	18.25%	20.78%	22.49%	16.82%	18.46%	18.56%	-
YoY %	-5.92%	-12.18%	-7.60%	33.71%	-8.88%	-0.54%	-	-
Horiz. %	92.51%	98.33%	111.96%	121.17%	90.63%	99.46%	100.00%	-
ROE	9.69%	9.90%	9.20%	9.52%	7.78%	9.61%	9.94%	-
YoY %	-2.12%	7.61%	-3.36%	22.37%	-19.04%	-3.32%	-	-
Horiz. %	97.48%	99.60%	92.56%	95.77%	78.27%	96.68%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Per Share
RPS	411.15	378.92	295.29	290.59	316.28	335.94	311.88	4.70%
YoY %	8.51%	28.32%	1.62%	-8.12%	-5.85%	7.71%	-	-
Horiz. %	131.83%	121.50%	94.68%	93.17%	101.41%	107.71%	100.00%	-
EPS	70.49	69.37	61.89	65.77	53.00	61.89	57.87	3.33%
YoY %	1.61%	12.09%	-5.90%	24.09%	-14.36%	6.95%	-	-
Horiz. %	121.81%	119.87%	106.95%	113.65%	91.58%	106.95%	100.00%	-
DPS	20.00	20.00	20.00	20.00	0.00	16.67	10.00	12.23%
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	66.70%	-	-
Horiz. %	200.00%	200.00%	200.00%	200.00%	0.00%	166.70%	100.00%	-
NAPS	7.2771	6.978	6.6581	6.8474	6.81	6.44	5.82	3.79%
YoY %	4.29%	4.80%	-2.76%	0.55%	5.75%	10.65%	-	-
Horiz. %	125.04%	119.90%	114.40%	117.65%	117.01%	110.65%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Adjusted Per Share Value based on latest NOSH - 4,286,348
RPS	407.68	372.52	285.28	270.86	290.90	308.98	286.85	6.02%
YoY %	9.44%	30.58%	5.32%	-6.89%	-5.85%	7.71%	-	-
Horiz. %	142.12%	129.87%	99.45%	94.43%	101.41%	107.71%	100.00%	-
EPS	69.90	67.90	59.19	60.77	48.74	56.92	53.20	4.65%
YoY %	2.95%	14.72%	-2.60%	24.68%	-14.37%	6.99%	-	-
Horiz. %	131.39%	127.63%	111.26%	114.23%	91.62%	106.99%	100.00%	-
DPS	19.83	19.66	19.32	18.64	0.00	15.33	9.20	13.64%
YoY %	0.86%	1.76%	3.65%	0.00%	0.00%	66.63%	-	-
Horiz. %	215.54%	213.70%	210.00%	202.61%	0.00%	166.63%	100.00%	-
NAPS	7.2157	6.8602	6.4322	6.3824	6.2634	5.9231	5.3529	5.09%
YoY %	5.18%	6.65%	0.78%	1.90%	5.75%	10.65%	-	-
Horiz. %	134.80%	128.16%	120.16%	119.23%	117.01%	110.65%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/24	29/09/23	30/09/22	30/09/21	30/09/20	30/09/19	28/09/18	-
Price	6.18	5.43	5.56	5.46	4.57	5.64	5.40	-
P/RPS	1.50	1.43	1.88	1.88	1.44	1.68	1.73	-2.34%
YoY %	4.90%	-23.94%	0.00%	30.56%	-14.29%	-2.89%	-	-
Horiz. %	86.71%	82.66%	108.67%	108.67%	83.24%	97.11%	100.00%	-
P/EPS	8.77	7.86	9.07	8.37	8.62	9.11	9.33	-1.02%
YoY %	11.58%	-13.34%	8.36%	-2.90%	-5.38%	-2.36%	-	-
Horiz. %	94.00%	84.24%	97.21%	89.71%	92.39%	97.64%	100.00%	-
EY	11.41	12.72	11.02	11.94	11.60	10.97	10.71	1.05%
YoY %	-10.30%	15.43%	-7.71%	2.93%	5.74%	2.43%	-	-
Horiz. %	106.54%	118.77%	102.89%	111.48%	108.31%	102.43%	100.00%	-
DY	3.24	3.68	3.60	3.66	0.00	2.96	1.85	9.78%
YoY %	-11.96%	2.22%	-1.64%	0.00%	0.00%	60.00%	-	-
Horiz. %	175.14%	198.92%	194.59%	197.84%	0.00%	160.00%	100.00%	-
P/NAPS	0.85	0.78	0.84	0.80	0.67	0.88	0.93	-1.48%
YoY %	8.97%	-7.14%	5.00%	19.40%	-23.86%	-5.38%	-	-
Horiz. %	91.40%	83.87%	90.32%	86.02%	72.04%	94.62%	100.00%	-

	30/09/24	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	CAGR
Price Multiplier on Announcement Date
Date	29/11/24	27/11/23	29/11/22	30/11/21	30/11/20	25/11/19	27/11/18	-
Price	6.69	5.57	5.67	5.31	5.17	5.76	5.25	-
P/RPS	1.63	1.47	1.92	1.83	1.63	1.71	1.68	-0.50%
YoY %	10.88%	-23.44%	4.92%	12.27%	-4.68%	1.79%	-	-
Horiz. %	97.02%	87.50%	114.29%	108.93%	97.02%	101.79%	100.00%	-
P/EPS	9.49	8.06	9.25	8.14	9.76	9.31	9.08	0.73%
YoY %	17.74%	-12.86%	13.64%	-16.60%	4.83%	2.53%	-	-
Horiz. %	104.52%	88.77%	101.87%	89.65%	107.49%	102.53%	100.00%	-
EY	10.54	12.40	10.81	12.28	10.25	10.75	11.02	-0.73%
YoY %	-15.00%	14.71%	-11.97%	19.80%	-4.65%	-2.45%	-	-
Horiz. %	95.64%	112.52%	98.09%	111.43%	93.01%	97.55%	100.00%	-
DY	2.99	3.59	3.53	3.77	0.00	2.89	1.90	7.84%
YoY %	-16.71%	1.70%	-6.37%	0.00%	0.00%	52.11%	-	-
Horiz. %	157.37%	188.95%	185.79%	198.42%	0.00%	152.11%	100.00%	-
P/NAPS	0.92	0.80	0.85	0.78	0.76	0.89	0.90	0.36%
YoY %	15.00%	-5.88%	8.97%	2.63%	-14.61%	-1.11%	-	-
Horiz. %	102.22%	88.89%	94.44%	86.67%	84.44%	98.89%	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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