[HLBANK] YoY 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- 3.24%
YoY- 11.98%
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Quarter Result
31/12/05 31/12/04 31/12/03 31/12/02 31/12/01 31/12/00 31/12/99 CAGR
Revenue 361,366 371,508 352,835 358,781 406,977 360,401 351,962 -0.02%
PBT 136,068 177,387 178,258 196,036 190,123 134,936 141,656 0.04%
Tax -37,799 -52,023 -50,070 -54,681 -63,896 -33,320 -38,862 0.02%
NP 98,269 125,364 128,188 141,355 126,227 101,616 102,794 0.04%
-
NP to SH 98,269 125,364 128,188 141,355 126,227 101,616 102,794 0.04%
-
Tax Rate 27.78% 29.33% 28.09% 27.89% 33.61% 24.69% 27.43% -
Total Cost 263,097 246,144 224,647 217,426 280,750 258,785 249,168 -0.05%
-
Net Worth 4,394,638 4,494,042 4,394,114 3,602,040 3,112,837 2,719,884 1,734,738 -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 137,332 134,032 134,352 86,104 49,976 34,516 - -100.00%
Div Payout % 139.75% 106.91% 104.81% 60.91% 39.59% 33.97% - -
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 4,394,638 4,494,042 4,394,114 3,602,040 3,112,837 2,719,884 1,734,738 -0.98%
NOSH 1,525,916 1,576,857 1,580,616 1,435,076 1,427,907 1,380,652 578,246 -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 27.19% 33.74% 36.33% 39.40% 31.02% 28.20% 29.21% -
ROE 2.24% 2.79% 2.92% 3.92% 4.06% 3.74% 5.93% -
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 23.68 23.56 22.32 25.00 28.50 26.10 60.87 1.00%
EPS 6.44 7.95 8.11 9.85 8.84 7.36 7.46 0.15%
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 17.63 18.12 17.21 17.50 19.85 17.58 17.17 -0.02%
EPS 4.79 6.12 6.25 6.90 6.16 4.96 5.01 0.04%
DPS 6.70 6.54 6.55 4.20 2.44 1.68 0.00 -100.00%
NAPS 2.1438 2.1923 2.1435 1.7571 1.5185 1.3268 0.8462 -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 21.54 23.34 23.29 18.00 12.77 12.34 0.00 -100.00%
P/EPS 79.19 69.18 64.12 45.69 41.18 43.75 0.00 -100.00%
EY 1.26 1.45 1.56 2.19 2.43 2.29 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 21.75 23.34 25.98 18.48 13.68 12.41 12.65 -0.57%
P/EPS 79.97 69.18 71.52 46.90 44.12 44.02 43.31 -0.64%
EY 1.25 1.45 1.40 2.13 2.27 2.27 2.31 0.65%
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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