[HLBANK] YoY Cumulative 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- 103.24%
YoY- 11.66%
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Cumulative Result
31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 31/12/00 31/12/99 CAGR
Revenue 741,034 726,804 696,042 732,488 812,197 733,052 662,829 -0.11%
PBT 333,555 372,412 359,133 393,304 378,185 313,189 253,843 -0.28%
Tax -93,155 -106,830 -100,810 -115,027 -128,975 -91,961 -68,532 -0.32%
NP 240,400 265,582 258,323 278,277 249,210 221,228 185,311 -0.27%
-
NP to SH 240,400 265,582 258,323 278,277 249,210 221,228 185,311 -0.27%
-
Tax Rate 27.93% 28.69% 28.07% 29.25% 34.10% 29.36% 27.00% -
Total Cost 500,634 461,222 437,719 454,211 562,987 511,824 477,518 -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 137,458 134,127 131,011 86,065 49,984 34,480 - -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 5.47% 5.91% 6.03% 7.73% 8.00% 8.14% 10.69% -
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 48.52 46.06 45.16 51.07 56.87 53.15 114.66 0.91%
EPS 15.74 16.83 16.76 19.40 17.45 16.04 13.45 -0.16%
DPS 9.00 8.50 8.50 6.00 3.50 2.50 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 36.15 35.45 33.95 35.73 39.62 35.76 32.33 -0.11%
EPS 11.73 12.96 12.60 13.57 12.16 10.79 9.04 -0.27%
DPS 6.71 6.54 6.39 4.20 2.44 1.68 0.00 -100.00%
NAPS 2.1458 2.1938 2.0902 1.7563 1.5187 1.3254 0.846 -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 10.51 11.94 11.51 8.81 6.40 6.06 0.00 -100.00%
P/EPS 32.40 32.68 31.03 23.20 20.86 20.07 0.00 -100.00%
EY 3.09 3.06 3.22 4.31 4.79 4.98 0.00 -100.00%
DY 1.76 1.55 1.63 1.33 0.96 0.78 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 10.61 11.94 12.84 9.05 6.86 6.10 6.72 -0.48%
P/EPS 32.72 32.68 34.61 23.81 22.35 20.20 24.02 -0.32%
EY 3.06 3.06 2.89 4.20 4.47 4.95 4.16 0.32%
DY 1.75 1.55 1.47 1.30 0.90 0.77 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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