[HLBANK] YoY Cumulative Quarter Result on 31-Dec-2004 [#2]

Announcement Date
22-Feb-2005
Admission Sponsor
-
Sponsor
-
Financial Year
30-Jun-2005
Quarter
31-Dec-2004 [#2]
Profit Trend
QoQ- 89.41%
YoY- 2.81%
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Cumulative Result
31/12/07 31/12/06 31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 CAGR
Revenue 999,067 858,545 741,034 726,804 696,042 732,488 812,197 3.50%
PBT 548,790 410,832 333,555 372,412 359,133 393,304 378,185 6.39%
Tax -146,397 -111,388 -93,155 -106,830 -100,810 -115,027 -128,975 2.13%
NP 402,393 299,444 240,400 265,582 258,323 278,277 249,210 8.30%
-
NP to SH 402,110 299,924 240,400 265,582 258,323 278,277 249,210 8.29%
-
Tax Rate 26.68% 27.11% 27.93% 28.69% 28.07% 29.25% 34.10% -
Total Cost 596,674 559,101 500,634 461,222 437,719 454,211 562,987 0.97%
-
Net Worth 4,854,300 4,481,960 4,398,678 4,497,209 4,284,832 3,600,388 3,113,339 7.68%
Dividend
31/12/07 31/12/06 31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 CAGR
Div 130,414 132,254 137,458 134,127 131,011 86,065 49,984 17.32%
Div Payout % 32.43% 44.10% 57.18% 50.50% 50.72% 30.93% 20.06% -
Equity
31/12/07 31/12/06 31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 CAGR
Net Worth 4,854,300 4,481,960 4,398,678 4,497,209 4,284,832 3,600,388 3,113,339 7.68%
NOSH 1,449,045 1,469,495 1,527,318 1,577,968 1,541,306 1,434,417 1,428,137 0.24%
Ratio Analysis
31/12/07 31/12/06 31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 CAGR
NP Margin 40.28% 34.88% 32.44% 36.54% 37.11% 37.99% 30.68% -
ROE 8.28% 6.69% 5.47% 5.91% 6.03% 7.73% 8.00% -
Per Share
31/12/07 31/12/06 31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 CAGR
RPS 68.95 58.42 48.52 46.06 45.16 51.07 56.87 3.26%
EPS 27.75 20.41 15.74 16.83 16.76 19.40 17.45 8.03%
DPS 9.00 9.00 9.00 8.50 8.50 6.00 3.50 17.03%
NAPS 3.35 3.05 2.88 2.85 2.78 2.51 2.18 7.41%
Adjusted Per Share Value based on latest NOSH - 1,576,857
31/12/07 31/12/06 31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 CAGR
RPS 48.74 41.88 36.15 35.45 33.95 35.73 39.62 3.51%
EPS 19.62 14.63 11.73 12.96 12.60 13.57 12.16 8.29%
DPS 6.36 6.45 6.71 6.54 6.39 4.20 2.44 17.30%
NAPS 2.368 2.1864 2.1458 2.1938 2.0902 1.7563 1.5187 7.68%
Price Multiplier on Financial Quarter End Date
31/12/07 31/12/06 31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 CAGR
Date 31/12/07 29/12/06 30/12/05 31/12/04 31/12/03 31/12/02 31/12/01 -
Price 6.35 5.55 5.10 5.50 5.20 4.50 3.64 -
P/RPS 9.21 9.50 10.51 11.94 11.51 8.81 6.40 6.25%
P/EPS 22.88 27.19 32.40 32.68 31.03 23.20 20.86 1.55%
EY 4.37 3.68 3.09 3.06 3.22 4.31 4.79 -1.51%
DY 1.42 1.62 1.76 1.55 1.63 1.33 0.96 6.73%
P/NAPS 1.90 1.82 1.77 1.93 1.87 1.79 1.67 2.17%
Price Multiplier on Announcement Date
31/12/07 31/12/06 31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 CAGR
Date 14/02/08 26/02/07 23/02/06 22/02/05 27/02/04 20/02/03 28/01/02 -
Price 6.00 6.80 5.15 5.50 5.80 4.62 3.90 -
P/RPS 8.70 11.64 10.61 11.94 12.84 9.05 6.86 4.03%
P/EPS 21.62 33.32 32.72 32.68 34.61 23.81 22.35 -0.55%
EY 4.63 3.00 3.06 3.06 2.89 4.20 4.47 0.58%
DY 1.50 1.32 1.75 1.55 1.47 1.30 0.90 8.88%
P/NAPS 1.79 2.23 1.79 1.93 2.09 1.84 1.79 0.00%

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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