[HLBANK] YoY Annualized Quarter Result on 31-Dec-2002 [#2]

Announcement Date
20-Feb-2003
Admission Sponsor
-
Sponsor
-
Financial Year
30-Jun-2003
Quarter
31-Dec-2002 [#2]
Profit Trend
QoQ- 1.62%
YoY- 11.66%
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Annualized Quarter Result
31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 31/12/00 31/12/99 CAGR
Revenue 1,482,068 1,453,608 1,392,084 1,464,976 1,624,394 1,466,104 1,325,658 -0.11%
PBT 667,110 744,824 718,266 786,608 756,370 626,378 507,686 -0.28%
Tax -186,310 -213,660 -201,620 -230,054 -257,950 -183,922 -137,064 -0.32%
NP 480,800 531,164 516,646 556,554 498,420 442,456 370,622 -0.27%
-
NP to SH 480,800 531,164 516,646 556,554 498,420 442,456 370,622 -0.27%
-
Tax Rate 27.93% 28.69% 28.07% 29.25% 34.10% 29.36% 27.00% -
Total Cost 1,001,268 922,444 875,438 908,422 1,125,974 1,023,648 955,036 -0.05%
-
Net Worth 4,398,678 4,497,209 4,284,832 3,600,388 3,113,339 2,717,076 1,734,244 -0.98%
Dividend
31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 31/12/00 31/12/99 CAGR
Div 274,917 268,254 262,022 172,130 99,969 68,961 - -100.00%
Div Payout % 57.18% 50.50% 50.72% 30.93% 20.06% 15.59% - -
Equity
31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 31/12/00 31/12/99 CAGR
Net Worth 4,398,678 4,497,209 4,284,832 3,600,388 3,113,339 2,717,076 1,734,244 -0.98%
NOSH 1,527,318 1,577,968 1,541,306 1,434,417 1,428,137 1,379,226 578,081 -1.02%
Ratio Analysis
31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 31/12/00 31/12/99 CAGR
NP Margin 32.44% 36.54% 37.11% 37.99% 30.68% 30.18% 27.96% -
ROE 10.93% 11.81% 12.06% 15.46% 16.01% 16.28% 21.37% -
Per Share
31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 31/12/00 31/12/99 CAGR
RPS 97.04 92.12 90.32 102.13 113.74 106.30 229.32 0.91%
EPS 31.48 33.66 33.52 38.80 34.90 32.08 26.90 -0.16%
DPS 18.00 17.00 17.00 12.00 7.00 5.00 0.00 -100.00%
NAPS 2.88 2.85 2.78 2.51 2.18 1.97 3.00 0.04%
Adjusted Per Share Value based on latest NOSH - 1,435,076
31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 31/12/00 31/12/99 CAGR
RPS 68.37 67.06 64.22 67.58 74.94 67.63 61.15 -0.11%
EPS 22.18 24.50 23.83 25.67 22.99 20.41 17.10 -0.27%
DPS 12.68 12.37 12.09 7.94 4.61 3.18 0.00 -100.00%
NAPS 2.0292 2.0746 1.9767 1.6609 1.4362 1.2534 0.80 -0.98%
Price Multiplier on Financial Quarter End Date
31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 31/12/00 31/12/99 CAGR
Date 30/12/05 31/12/04 31/12/03 31/12/02 31/12/01 26/12/00 - -
Price 5.10 5.50 5.20 4.50 3.64 3.22 0.00 -
P/RPS 5.26 5.97 5.76 4.41 3.20 3.03 0.00 -100.00%
P/EPS 16.20 16.34 15.51 11.60 10.43 10.04 0.00 -100.00%
EY 6.17 6.12 6.45 8.62 9.59 9.96 0.00 -100.00%
DY 3.53 3.09 3.27 2.67 1.92 1.55 0.00 -100.00%
P/NAPS 1.77 1.93 1.87 1.79 1.67 1.63 0.00 -100.00%
Price Multiplier on Announcement Date
31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 31/12/00 31/12/99 CAGR
Date 23/02/06 22/02/05 27/02/04 20/02/03 28/01/02 04/05/01 24/02/00 -
Price 5.15 5.50 5.80 4.62 3.90 3.24 7.70 -
P/RPS 5.31 5.97 6.42 4.52 3.43 3.05 3.36 -0.48%
P/EPS 16.36 16.34 17.30 11.91 11.17 10.10 12.01 -0.32%
EY 6.11 6.12 5.78 8.40 8.95 9.90 8.33 0.33%
DY 3.50 3.09 2.93 2.60 1.79 1.54 0.00 -100.00%
P/NAPS 1.79 1.93 2.09 1.84 1.79 1.64 2.57 0.38%

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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