[RHBBANK] YoY Cumulative Quarter Result on 30-Sep-2008 [#3]

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Cumulative Result
Revenue	5,231,831	4,441,426	4,034,608	4,504,780	4,640,649	3,963,953	3,265,804	8.16%
YoY %	17.80%	10.08%	-10.44%	-2.93%	17.07%	21.38%	-	-
Horiz. %	160.20%	136.00%	123.54%	137.94%	142.10%	121.38%	100.00%	-
PBT	1,681,180	1,375,396	1,161,304	1,160,495	870,758	602,178	428,018	25.59%
YoY %	22.23%	18.44%	0.07%	33.27%	44.60%	40.69%	-	-
Horiz. %	392.78%	321.34%	271.32%	271.13%	203.44%	140.69%	100.00%	-
Tax	-414,004	-327,623	-290,636	-307,435	-223,100	-168,871	-183,763	14.48%
YoY %	-26.37%	-12.73%	5.46%	-37.80%	-32.11%	8.10%	-	-
Horiz. %	225.29%	178.29%	158.16%	167.30%	121.41%	91.90%	100.00%	-
NP	1,267,176	1,047,773	870,668	853,060	647,658	433,307	244,255	31.55%
YoY %	20.94%	20.34%	2.06%	31.71%	49.47%	77.40%	-	-
Horiz. %	518.79%	428.97%	356.46%	349.25%	265.16%	177.40%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	1,265,364	1,040,113	864,979	851,835	539,750	314,568	244,255	31.52%
YoY %	21.66%	20.25%	1.54%	57.82%	71.58%	28.79%	-	-
Horiz. %	518.05%	425.83%	354.13%	348.75%	220.98%	128.79%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	24.63%	23.82%	25.03%	26.49%	25.62%	28.04%	42.93%	-
YoY %	3.40%	-4.83%	-5.51%	3.40%	-8.63%	-34.68%	-	-
Horiz. %	57.37%	55.49%	58.30%	61.71%	59.68%	65.32%	100.00%	-
Total Cost	3,964,655	3,393,653	3,163,940	3,651,720	3,992,991	3,530,646	3,021,549	4.62%
YoY %	16.83%	7.26%	-13.36%	-8.55%	13.10%	16.85%	-	-
Horiz. %	131.21%	112.32%	104.71%	120.86%	132.15%	116.85%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	10,858,258	9,647,425	8,391,587	7,528,844	6,156,052	4,782,161	3,226,353	22.40%
YoY %	12.55%	14.97%	11.46%	22.30%	28.73%	48.22%	-	-
Horiz. %	336.55%	299.02%	260.10%	233.35%	190.81%	148.22%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Dividend
Div	173,732	107,672	107,584	193,598	96,729	36,366	63,797	18.16%
YoY %	61.35%	0.08%	-44.43%	100.14%	165.99%	-43.00%	-	-
Horiz. %	272.32%	168.77%	168.63%	303.46%	151.62%	57.00%	100.00%	-
Div Payout %	13.73%	10.35%	12.44%	22.73%	17.92%	11.56%	26.12%	-
YoY %	32.66%	-16.80%	-45.27%	26.84%	55.02%	-55.74%	-	-
Horiz. %	52.57%	39.62%	47.63%	87.02%	68.61%	44.26%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Equity
Net Worth	10,858,258	9,647,425	8,391,587	7,528,844	6,156,052	4,782,161	3,226,353	22.40%
YoY %	12.55%	14.97%	11.46%	22.30%	28.73%	48.22%	-	-
Horiz. %	336.55%	299.02%	260.10%	233.35%	190.81%	148.22%	100.00%	-
NOSH	2,171,651	2,153,443	2,151,689	2,151,098	1,934,587	1,818,312	1,822,798	2.96%
YoY %	0.85%	0.08%	0.03%	11.19%	6.39%	-0.25%	-	-
Horiz. %	119.14%	118.14%	118.04%	118.01%	106.13%	99.75%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Ratio Analysis
NP Margin	24.22%	23.59%	21.58%	18.94%	13.96%	10.93%	7.48%	-
YoY %	2.67%	9.31%	13.94%	35.67%	27.72%	46.12%	-	-
Horiz. %	323.80%	315.37%	288.50%	253.21%	186.63%	146.12%	100.00%	-
ROE	11.65%	10.78%	10.31%	11.31%	8.77%	6.58%	7.57%	-
YoY %	8.07%	4.56%	-8.84%	28.96%	33.28%	-13.08%	-	-
Horiz. %	153.90%	142.40%	136.20%	149.41%	115.85%	86.92%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Per Share
RPS	240.91	206.25	187.51	209.42	239.88	218.00	179.16	5.05%
YoY %	16.80%	9.99%	-10.46%	-12.70%	10.04%	21.68%	-	-
Horiz. %	134.47%	115.12%	104.66%	116.89%	133.89%	121.68%	100.00%	-
EPS	58.20	48.30	40.20	39.60	27.90	17.30	13.40	27.71%
YoY %	20.50%	20.15%	1.52%	41.94%	61.27%	29.10%	-	-
Horiz. %	434.33%	360.45%	300.00%	295.52%	208.21%	129.10%	100.00%	-
DPS	8.00	5.00	5.00	9.00	5.00	2.00	3.50	14.76%
YoY %	60.00%	0.00%	-44.44%	80.00%	150.00%	-42.86%	-	-
Horiz. %	228.57%	142.86%	142.86%	257.14%	142.86%	57.14%	100.00%	-
NAPS	5.00	4.48	3.90	3.50	3.1821	2.63	1.77	18.88%
YoY %	11.61%	14.87%	11.43%	9.99%	20.99%	48.59%	-	-
Horiz. %	282.49%	253.11%	220.34%	197.74%	179.78%	148.59%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Adjusted Per Share Value based on latest NOSH - 2,158,698
RPS	120.01	101.88	92.55	103.33	106.45	90.93	74.91	8.16%
YoY %	17.80%	10.08%	-10.43%	-2.93%	17.07%	21.39%	-	-
Horiz. %	160.21%	136.00%	123.55%	137.94%	142.10%	121.39%	100.00%	-
EPS	29.03	23.86	19.84	19.54	12.38	7.22	5.60	31.53%
YoY %	21.67%	20.26%	1.54%	57.84%	71.47%	28.93%	-	-
Horiz. %	518.39%	426.07%	354.29%	348.93%	221.07%	128.93%	100.00%	-
DPS	3.99	2.47	2.47	4.44	2.22	0.83	1.46	18.23%
YoY %	61.54%	0.00%	-44.37%	100.00%	167.47%	-43.15%	-	-
Horiz. %	273.29%	169.18%	169.18%	304.11%	152.05%	56.85%	100.00%	-
NAPS	2.4907	2.213	1.9249	1.727	1.4121	1.097	0.7401	22.40%
YoY %	12.55%	14.97%	11.46%	22.30%	28.72%	48.22%	-	-
Horiz. %	336.54%	299.01%	260.09%	233.35%	190.80%	148.22%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Price Multiplier on Financial Quarter End Date
Date	30/09/11	30/09/10	30/09/09	30/09/08	28/09/07	29/09/06	30/09/05	-
Price	7.00	7.23	5.07	4.00	6.00	2.84	2.47	-
P/RPS	2.91	3.51	2.70	1.91	2.50	1.30	1.38	13.23%
YoY %	-17.09%	30.00%	41.36%	-23.60%	92.31%	-5.80%	-	-
Horiz. %	210.87%	254.35%	195.65%	138.41%	181.16%	94.20%	100.00%	-
P/EPS	12.01	14.97	12.61	10.10	21.51	16.42	18.43	-6.88%
YoY %	-19.77%	18.72%	24.85%	-53.05%	31.00%	-10.91%	-	-
Horiz. %	65.17%	81.23%	68.42%	54.80%	116.71%	89.09%	100.00%	-
EY	8.32	6.68	7.93	9.90	4.65	6.09	5.43	7.36%
YoY %	24.55%	-15.76%	-19.90%	112.90%	-23.65%	12.15%	-	-
Horiz. %	153.22%	123.02%	146.04%	182.32%	85.64%	112.15%	100.00%	-
DY	1.14	0.69	0.99	2.25	0.83	0.70	1.42	-3.59%
YoY %	65.22%	-30.30%	-56.00%	171.08%	18.57%	-50.70%	-	-
Horiz. %	80.28%	48.59%	69.72%	158.45%	58.45%	49.30%	100.00%	-
P/NAPS	1.40	1.61	1.30	1.14	1.89	1.08	1.40	0.00%
YoY %	-13.04%	23.85%	14.04%	-39.68%	75.00%	-22.86%	-	-
Horiz. %	100.00%	115.00%	92.86%	81.43%	135.00%	77.14%	100.00%	-

	30/09/11	30/09/10	30/09/09	30/09/08	30/09/07	30/09/06	30/09/05	CAGR
Price Multiplier on Announcement Date
Date	29/11/11	29/11/10	18/11/09	24/11/08	19/11/07	21/11/06	21/11/05	-
Price	7.38	7.96	5.47	3.64	5.75	3.34	2.39	-
P/RPS	3.06	3.86	2.92	1.74	2.40	1.53	1.33	14.89%
YoY %	-20.73%	32.19%	67.82%	-27.50%	56.86%	15.04%	-	-
Horiz. %	230.08%	290.23%	219.55%	130.83%	180.45%	115.04%	100.00%	-
P/EPS	12.67	16.48	13.61	9.19	20.61	19.31	17.84	-5.54%
YoY %	-23.12%	21.09%	48.10%	-55.41%	6.73%	8.24%	-	-
Horiz. %	71.02%	92.38%	76.29%	51.51%	115.53%	108.24%	100.00%	-
EY	7.90	6.07	7.35	10.88	4.85	5.18	5.61	5.86%
YoY %	30.15%	-17.41%	-32.44%	124.33%	-6.37%	-7.66%	-	-
Horiz. %	140.82%	108.20%	131.02%	193.94%	86.45%	92.34%	100.00%	-
DY	1.08	0.63	0.91	2.47	0.87	0.60	1.46	-4.89%
YoY %	71.43%	-30.77%	-63.16%	183.91%	45.00%	-58.90%	-	-
Horiz. %	73.97%	43.15%	62.33%	169.18%	59.59%	41.10%	100.00%	-
P/NAPS	1.48	1.78	1.40	1.04	1.81	1.27	1.35	1.54%
YoY %	-16.85%	27.14%	34.62%	-42.54%	42.52%	-5.93%	-	-
Horiz. %	109.63%	131.85%	103.70%	77.04%	134.07%	94.07%	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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