[RHBBANK] YoY Cumulative 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
Cumulative Result
Revenue	13,331,085	12,181,411	9,328,511	8,856,965	9,512,344	10,103,528	9,379,867	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	2,972,770	2,947,590	2,948,642	2,606,196	2,103,326	2,498,650	2,343,959	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	-684,377	-724,376	-1,010,562	-614,325	-503,515	-633,618	-602,602	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	2,288,393	2,223,214	1,938,080	1,991,871	1,599,811	1,865,032	1,741,357	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	2,285,669	2,220,317	1,935,573	1,987,223	1,593,899	1,861,424	1,739,771	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	11,042,692	9,958,197	7,390,431	6,865,094	7,912,533	8,238,496	7,638,510	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	648,478	642,952	631,811	609,588	-	501,255	300,753	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	7.27%	7.42%	6.90%	7.14%	5.84%	7.21%	7.45%	-
YoY %	-2.02%	7.54%	-3.36%	22.26%	-19.00%	-3.22%	-	-
Horiz. %	97.58%	99.60%	92.62%	95.84%	78.39%	96.78%	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	308.36	284.19	221.47	217.94	237.21	251.96	233.91	4.70%
YoY %	8.50%	28.32%	1.62%	-8.12%	-5.85%	7.72%	-	-
Horiz. %	131.83%	121.50%	94.68%	93.17%	101.41%	107.72%	100.00%	-
EPS	52.87	52.03	46.42	49.33	39.75	46.42	43.40	3.34%
YoY %	1.61%	12.09%	-5.90%	24.10%	-14.37%	6.96%	-	-
Horiz. %	121.82%	119.88%	106.96%	113.66%	91.59%	106.96%	100.00%	-
DPS	15.00	15.00	15.00	15.00	0.00	12.50	7.50	12.23%
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	66.67%	-	-
Horiz. %	200.00%	200.00%	200.00%	200.00%	0.00%	166.67%	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	305.76	279.39	213.96	203.14	218.17	231.73	215.14	6.02%
YoY %	9.44%	30.58%	5.33%	-6.89%	-5.85%	7.71%	-	-
Horiz. %	142.12%	129.86%	99.45%	94.42%	101.41%	107.71%	100.00%	-
EPS	52.42	50.93	44.39	45.58	36.56	42.69	39.90	4.64%
YoY %	2.93%	14.73%	-2.61%	24.67%	-14.36%	6.99%	-	-
Horiz. %	131.38%	127.64%	111.25%	114.24%	91.63%	106.99%	100.00%	-
DPS	14.87	14.75	14.49	13.98	0.00	11.50	6.90	13.63%
YoY %	0.81%	1.79%	3.65%	0.00%	0.00%	66.67%	-	-
Horiz. %	215.51%	213.77%	210.00%	202.61%	0.00%	166.67%	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	2.00	1.91	2.51	2.51	1.93	2.24	2.31	-2.37%
YoY %	4.71%	-23.90%	0.00%	30.05%	-13.84%	-3.03%	-	-
Horiz. %	86.58%	82.68%	108.66%	108.66%	83.55%	96.97%	100.00%	-
P/EPS	11.69	10.48	12.10	11.17	11.50	12.15	12.45	-1.04%
YoY %	11.55%	-13.39%	8.33%	-2.87%	-5.35%	-2.41%	-	-
Horiz. %	93.90%	84.18%	97.19%	89.72%	92.37%	97.59%	100.00%	-
EY	8.56	9.54	8.26	8.96	8.70	8.23	8.03	1.06%
YoY %	-10.27%	15.50%	-7.81%	2.99%	5.71%	2.49%	-	-
Horiz. %	106.60%	118.80%	102.86%	111.58%	108.34%	102.49%	100.00%	-
DY	2.43	2.76	2.70	2.75	0.00	2.22	1.39	9.74%
YoY %	-11.96%	2.22%	-1.82%	0.00%	0.00%	59.71%	-	-
Horiz. %	174.82%	198.56%	194.24%	197.84%	0.00%	159.71%	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	2.17	1.96	2.56	2.44	2.18	2.29	2.24	-0.52%
YoY %	10.71%	-23.44%	4.92%	11.93%	-4.80%	2.23%	-	-
Horiz. %	96.87%	87.50%	114.29%	108.93%	97.32%	102.23%	100.00%	-
P/EPS	12.65	10.75	12.34	10.86	13.01	12.41	12.10	0.74%
YoY %	17.67%	-12.88%	13.63%	-16.53%	4.83%	2.56%	-	-
Horiz. %	104.55%	88.84%	101.98%	89.75%	107.52%	102.56%	100.00%	-
EY	7.90	9.30	8.10	9.21	7.69	8.06	8.26	-0.73%
YoY %	-15.05%	14.81%	-12.05%	19.77%	-4.59%	-2.42%	-	-
Horiz. %	95.64%	112.59%	98.06%	111.50%	93.10%	97.58%	100.00%	-
DY	2.24	2.69	2.65	2.82	0.00	2.17	1.43	7.75%
YoY %	-16.73%	1.51%	-6.03%	0.00%	0.00%	51.75%	-	-
Horiz. %	156.64%	188.11%	185.31%	197.20%	0.00%	151.75%	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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