[HLBANK] YoY Quarter Result on 30-Jun-2023 [#4]

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Quarter Result
Revenue	1,476,611	1,303,162	1,498,395	1,332,291	1,196,654	1,167,824	1,176,314	3.85%
YoY %	13.31%	-13.03%	12.47%	11.33%	2.47%	-0.72%	-	-
Horiz. %	125.53%	110.78%	127.38%	113.26%	101.73%	99.28%	100.00%	-
PBT	1,281,787	1,040,376	1,217,328	824,611	648,682	733,029	777,638	8.67%
YoY %	23.20%	-14.54%	47.62%	27.12%	-11.51%	-5.74%	-	-
Horiz. %	164.83%	133.79%	156.54%	106.04%	83.42%	94.26%	100.00%	-
Tax	-247,790	-175,699	-309,688	-135,127	-79,267	-96,581	-151,630	8.52%
YoY %	-41.03%	43.27%	-129.18%	-70.47%	17.93%	36.30%	-	-
Horiz. %	163.42%	115.87%	204.24%	89.12%	52.28%	63.70%	100.00%	-
NP	1,033,997	864,677	907,640	689,484	569,415	636,448	626,008	8.71%
YoY %	19.58%	-4.73%	31.64%	21.09%	-10.53%	1.67%	-	-
Horiz. %	165.17%	138.13%	144.99%	110.14%	90.96%	101.67%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	1,033,997	864,677	907,640	689,484	569,415	636,448	626,008	8.71%
YoY %	19.58%	-4.73%	31.64%	21.09%	-10.53%	1.67%	-	-
Horiz. %	165.17%	138.13%	144.99%	110.14%	90.96%	101.67%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	19.33%	16.89%	25.44%	16.39%	12.22%	13.18%	19.50%	-
YoY %	14.45%	-33.61%	55.22%	34.12%	-7.28%	-32.41%	-	-
Horiz. %	99.13%	86.62%	130.46%	84.05%	62.67%	67.59%	100.00%	-
Total Cost	442,614	438,485	590,755	642,807	627,239	531,376	550,306	-3.56%
YoY %	0.94%	-25.78%	-8.10%	2.48%	18.04%	-3.44%	-	-
Horiz. %	80.43%	79.68%	107.35%	116.81%	113.98%	96.56%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	37,280,169	33,988,812	31,006,211	29,461,726	27,221,136	25,472,637	23,893,507	7.68%
YoY %	9.68%	9.62%	5.24%	8.23%	6.86%	6.61%	-	-
Horiz. %	156.03%	142.25%	129.77%	123.30%	113.93%	106.61%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Dividend
Div	881,279	778,526	758,248	721,085	409,340	695,638	654,616	5.07%
YoY %	13.20%	2.67%	5.15%	76.16%	-41.16%	6.27%	-	-
Horiz. %	134.63%	118.93%	115.83%	110.15%	62.53%	106.27%	100.00%	-
Div Payout %	85.23%	90.04%	83.54%	104.58%	71.89%	109.30%	104.57%	-
YoY %	-5.34%	7.78%	-20.12%	45.47%	-34.23%	4.52%	-	-
Horiz. %	81.51%	86.11%	79.89%	100.01%	68.75%	104.52%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Equity
Net Worth	37,280,169	33,988,812	31,006,211	29,461,726	27,221,136	25,472,637	23,893,507	7.68%
YoY %	9.68%	9.62%	5.24%	8.23%	6.86%	6.61%	-	-
Horiz. %	156.03%	142.25%	129.77%	123.30%	113.93%	106.61%	100.00%	-
NOSH	2,167,718	2,167,718	2,167,718	2,167,718	2,167,718	2,167,718	2,167,718	0.00%
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Ratio Analysis
NP Margin	70.03%	66.35%	60.57%	51.75%	47.58%	54.50%	53.22%	-
YoY %	5.55%	9.54%	17.04%	8.76%	-12.70%	2.41%	-	-
Horiz. %	131.59%	124.67%	113.81%	97.24%	89.40%	102.41%	100.00%	-
ROE	2.77%	2.54%	2.93%	2.34%	2.09%	2.50%	2.62%	-
YoY %	9.06%	-13.31%	25.21%	11.96%	-16.40%	-4.58%	-	-
Horiz. %	105.73%	96.95%	111.83%	89.31%	79.77%	95.42%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Per Share
RPS	72.05	63.61	73.12	65.07	58.47	57.08	57.50	3.82%
YoY %	13.27%	-13.01%	12.37%	11.29%	2.44%	-0.73%	-	-
Horiz. %	125.30%	110.63%	127.17%	113.17%	101.69%	99.27%	100.00%	-
EPS	50.45	42.21	44.32	33.68	27.82	31.11	30.60	8.68%
YoY %	19.52%	-4.76%	31.59%	21.06%	-10.58%	1.67%	-	-
Horiz. %	164.87%	137.94%	144.84%	110.07%	90.92%	101.67%	100.00%	-
DPS	43.00	38.00	37.00	35.22	20.00	34.00	32.00	5.04%
YoY %	13.16%	2.70%	5.05%	76.10%	-41.18%	6.25%	-	-
Horiz. %	134.38%	118.75%	115.62%	110.06%	62.50%	106.25%	100.00%	-
NAPS	18.19	16.59	15.13	14.39	13.30	12.45	11.68	7.65%
YoY %	9.64%	9.65%	5.14%	8.20%	6.83%	6.59%	-	-
Horiz. %	155.74%	142.04%	129.54%	123.20%	113.87%	106.59%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Adjusted Per Share Value based on latest NOSH - 2,167,718
RPS	72.03	63.57	73.09	64.99	58.37	56.97	57.38	3.85%
YoY %	13.31%	-13.03%	12.46%	11.34%	2.46%	-0.71%	-	-
Horiz. %	125.53%	110.79%	127.38%	113.26%	101.73%	99.29%	100.00%	-
EPS	50.44	42.18	44.28	33.63	27.78	31.05	30.54	8.71%
YoY %	19.58%	-4.74%	31.67%	21.06%	-10.53%	1.67%	-	-
Horiz. %	165.16%	138.11%	144.99%	110.12%	90.96%	101.67%	100.00%	-
DPS	42.99	37.98	36.99	35.18	19.97	33.93	31.93	5.07%
YoY %	13.19%	2.68%	5.14%	76.16%	-41.14%	6.26%	-	-
Horiz. %	134.64%	118.95%	115.85%	110.18%	62.54%	106.26%	100.00%	-
NAPS	18.186	16.5804	15.1254	14.372	13.279	12.426	11.6557	7.68%
YoY %	9.68%	9.62%	5.24%	8.23%	6.86%	6.61%	-	-
Horiz. %	156.03%	142.25%	129.77%	123.30%	113.93%	106.61%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Price Multiplier on Financial Quarter End Date
Date	28/06/24	30/06/23	30/06/22	30/06/21	30/06/20	28/06/19	29/06/18	-
Price	19.20	18.96	20.46	18.72	14.08	19.00	18.20	-
P/RPS	26.65	29.81	27.98	28.77	24.08	33.29	31.65	-2.82%
YoY %	-10.60%	6.54%	-2.75%	19.48%	-27.67%	5.18%	-	-
Horiz. %	84.20%	94.19%	88.40%	90.90%	76.08%	105.18%	100.00%	-
P/EPS	38.06	44.92	46.20	55.59	50.61	61.08	59.47	-7.16%
YoY %	-15.27%	-2.77%	-16.89%	9.84%	-17.14%	2.71%	-	-
Horiz. %	64.00%	75.53%	77.69%	93.48%	85.10%	102.71%	100.00%	-
EY	2.63	2.23	2.16	1.80	1.98	1.64	1.68	7.74%
YoY %	17.94%	3.24%	20.00%	-9.09%	20.73%	-2.38%	-	-
Horiz. %	156.55%	132.74%	128.57%	107.14%	117.86%	97.62%	100.00%	-
DY	2.24	2.00	1.81	1.88	1.42	1.79	1.76	4.09%
YoY %	12.00%	10.50%	-3.72%	32.39%	-20.67%	1.70%	-	-
Horiz. %	127.27%	113.64%	102.84%	106.82%	80.68%	101.70%	100.00%	-
P/NAPS	1.06	1.14	1.35	1.30	1.06	1.53	1.56	-6.23%
YoY %	-7.02%	-15.56%	3.85%	22.64%	-30.72%	-1.92%	-	-
Horiz. %	67.95%	73.08%	86.54%	83.33%	67.95%	98.08%	100.00%	-

	30/06/24	30/06/23	30/06/22	30/06/21	30/06/20	30/06/19	30/06/18	CAGR
Price Multiplier on Announcement Date
Date	29/08/24	30/08/23	30/08/22	30/08/21	28/08/20	28/08/19	28/08/18	-
Price	21.28	20.00	20.92	19.20	14.00	16.26	20.00	-
P/RPS	29.54	31.44	28.61	29.51	23.94	28.49	34.78	-2.68%
YoY %	-6.04%	9.89%	-3.05%	23.27%	-15.97%	-18.09%	-	-
Horiz. %	84.93%	90.40%	82.26%	84.85%	68.83%	81.91%	100.00%	-
P/EPS	42.18	47.39	47.23	57.01	50.32	52.27	65.36	-7.03%
YoY %	-10.99%	0.34%	-17.15%	13.29%	-3.73%	-20.03%	-	-
Horiz. %	64.53%	72.51%	72.26%	87.22%	76.99%	79.97%	100.00%	-
EY	2.37	2.11	2.12	1.75	1.99	1.91	1.53	7.55%
YoY %	12.32%	-0.47%	21.14%	-12.06%	4.19%	24.84%	-	-
Horiz. %	154.90%	137.91%	138.56%	114.38%	130.07%	124.84%	100.00%	-
DY	2.02	1.90	1.77	1.83	1.43	2.09	1.60	3.95%
YoY %	6.32%	7.34%	-3.28%	27.97%	-31.58%	30.62%	-	-
Horiz. %	126.25%	118.75%	110.62%	114.38%	89.38%	130.62%	100.00%	-
P/NAPS	1.17	1.21	1.38	1.33	1.05	1.31	1.71	-6.12%
YoY %	-3.31%	-12.32%	3.76%	26.67%	-19.85%	-23.39%	-	-
Horiz. %	68.42%	70.76%	80.70%	77.78%	61.40%	76.61%	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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