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

	31/12/07	31/12/06	31/12/05	31/12/04	31/12/03	31/12/02	31/12/01	CAGR
Quarter Result
Revenue	524,221	436,794	361,366	371,508	352,835	358,781	406,977	4.30%
YoY %	20.02%	20.87%	-2.73%	5.29%	-1.66%	-11.84%	-	-
Horiz. %	128.81%	107.33%	88.79%	91.28%	86.70%	88.16%	100.00%	-
PBT	293,088	212,432	136,068	177,387	178,258	196,036	190,123	7.47%
YoY %	37.97%	56.12%	-23.29%	-0.49%	-9.07%	3.11%	-	-
Horiz. %	154.16%	111.73%	71.57%	93.30%	93.76%	103.11%	100.00%	-
Tax	-78,801	-57,355	-37,799	-52,023	-50,070	-54,681	-63,896	3.55%
YoY %	-37.39%	-51.74%	27.34%	-3.90%	8.43%	14.42%	-	-
Horiz. %	123.33%	89.76%	59.16%	81.42%	78.36%	85.58%	100.00%	-
NP	214,287	155,077	98,269	125,364	128,188	141,355	126,227	9.21%
YoY %	38.18%	57.81%	-21.61%	-2.20%	-9.31%	11.98%	-	-
Horiz. %	169.76%	122.86%	77.85%	99.32%	101.55%	111.98%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	213,844	155,557	98,269	125,364	128,188	141,355	126,227	9.17%
YoY %	37.47%	58.30%	-21.61%	-2.20%	-9.31%	11.98%	-	-
Horiz. %	169.41%	123.24%	77.85%	99.32%	101.55%	111.98%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	26.89%	27.00%	27.78%	29.33%	28.09%	27.89%	33.61%	-
YoY %	-0.41%	-2.81%	-5.28%	4.41%	0.72%	-17.02%	-	-
Horiz. %	80.01%	80.33%	82.65%	87.27%	83.58%	82.98%	100.00%	-
Total Cost	309,934	281,717	263,097	246,144	224,647	217,426	280,750	1.66%
YoY %	10.02%	7.08%	6.89%	9.57%	3.32%	-22.56%	-	-
Horiz. %	110.40%	100.34%	93.71%	87.67%	80.02%	77.44%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	4,853,505	4,463,300	4,394,638	4,494,042	4,394,114	3,602,040	3,112,837	7.68%
YoY %	8.74%	1.56%	-2.21%	2.27%	21.99%	15.72%	-	-
Horiz. %	155.92%	143.38%	141.18%	144.37%	141.16%	115.72%	100.00%	-

	31/12/07	31/12/06	31/12/05	31/12/04	31/12/03	31/12/02	31/12/01	CAGR
Dividend
Div	130,392	131,703	137,332	134,032	134,352	86,104	49,976	17.32%
YoY %	-1.00%	-4.10%	2.46%	-0.24%	56.03%	72.29%	-	-
Horiz. %	260.91%	263.53%	274.80%	268.19%	268.83%	172.29%	100.00%	-
Div Payout %	60.98%	84.67%	139.75%	106.91%	104.81%	60.91%	39.59%	-
YoY %	-27.98%	-39.41%	30.72%	2.00%	72.07%	53.85%	-	-
Horiz. %	154.03%	213.87%	352.99%	270.04%	264.74%	153.85%	100.00%	-

	31/12/07	31/12/06	31/12/05	31/12/04	31/12/03	31/12/02	31/12/01	CAGR
Equity
Net Worth	4,853,505	4,463,300	4,394,638	4,494,042	4,394,114	3,602,040	3,112,837	7.68%
YoY %	8.74%	1.56%	-2.21%	2.27%	21.99%	15.72%	-	-
Horiz. %	155.92%	143.38%	141.18%	144.37%	141.16%	115.72%	100.00%	-
NOSH	1,448,807	1,463,377	1,525,916	1,576,857	1,580,616	1,435,076	1,427,907	0.24%
YoY %	-1.00%	-4.10%	-3.23%	-0.24%	10.14%	0.50%	-	-
Horiz. %	101.46%	102.48%	106.86%	110.43%	110.69%	100.50%	100.00%	-

	31/12/07	31/12/06	31/12/05	31/12/04	31/12/03	31/12/02	31/12/01	CAGR
Ratio Analysis
NP Margin	40.88%	35.50%	27.19%	33.74%	36.33%	39.40%	31.02%	-
YoY %	15.15%	30.56%	-19.41%	-7.13%	-7.79%	27.01%	-	-
Horiz. %	131.79%	114.44%	87.65%	108.77%	117.12%	127.01%	100.00%	-
ROE	4.41%	3.49%	2.24%	2.79%	2.92%	3.92%	4.06%	-
YoY %	26.36%	55.80%	-19.71%	-4.45%	-25.51%	-3.45%	-	-
Horiz. %	108.62%	85.96%	55.17%	68.72%	71.92%	96.55%	100.00%	-

	31/12/07	31/12/06	31/12/05	31/12/04	31/12/03	31/12/02	31/12/01	CAGR
Per Share
RPS	36.18	29.85	23.68	23.56	22.32	25.00	28.50	4.05%
YoY %	21.21%	26.06%	0.51%	5.56%	-10.72%	-12.28%	-	-
Horiz. %	126.95%	104.74%	83.09%	82.67%	78.32%	87.72%	100.00%	-
EPS	14.76	10.63	6.44	7.95	8.11	9.85	8.84	8.91%
YoY %	38.85%	65.06%	-18.99%	-1.97%	-17.66%	11.43%	-	-
Horiz. %	166.97%	120.25%	72.85%	89.93%	91.74%	111.43%	100.00%	-
DPS	9.00	9.00	9.00	8.50	8.50	6.00	3.50	17.03%
YoY %	0.00%	0.00%	5.88%	0.00%	41.67%	71.43%	-	-
Horiz. %	257.14%	257.14%	257.14%	242.86%	242.86%	171.43%	100.00%	-
NAPS	3.35	3.05	2.88	2.85	2.78	2.51	2.18	7.41%
YoY %	9.84%	5.90%	1.05%	2.52%	10.76%	15.14%	-	-
Horiz. %	153.67%	139.91%	132.11%	130.73%	127.52%	115.14%	100.00%	-

	31/12/07	31/12/06	31/12/05	31/12/04	31/12/03	31/12/02	31/12/01	CAGR
Adjusted Per Share Value based on latest NOSH - 1,576,857
RPS	24.18	20.15	16.67	17.14	16.28	16.55	18.77	4.30%
YoY %	20.00%	20.88%	-2.74%	5.28%	-1.63%	-11.83%	-	-
Horiz. %	128.82%	107.35%	88.81%	91.32%	86.73%	88.17%	100.00%	-
EPS	9.86	7.18	4.53	5.78	5.91	6.52	5.82	9.17%
YoY %	37.33%	58.50%	-21.63%	-2.20%	-9.36%	12.03%	-	-
Horiz. %	169.42%	123.37%	77.84%	99.31%	101.55%	112.03%	100.00%	-
DPS	6.02	6.08	6.34	6.18	6.20	3.97	2.31	17.30%
YoY %	-0.99%	-4.10%	2.59%	-0.32%	56.17%	71.86%	-	-
Horiz. %	260.61%	263.20%	274.46%	267.53%	268.40%	171.86%	100.00%	-
NAPS	2.239	2.059	2.0273	2.0732	2.0271	1.6617	1.436	7.68%
YoY %	8.74%	1.56%	-2.21%	2.27%	21.99%	15.72%	-	-
Horiz. %	155.92%	143.38%	141.18%	144.37%	141.16%	115.72%	100.00%	-

	31/12/07	31/12/06	31/12/05	31/12/04	31/12/03	31/12/02	31/12/01	CAGR
Price Multiplier on Financial Quarter End Date
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	17.55	18.59	21.54	23.34	23.29	18.00	12.77	5.43%
YoY %	-5.59%	-13.70%	-7.71%	0.21%	29.39%	40.96%	-	-
Horiz. %	137.43%	145.58%	168.68%	182.77%	182.38%	140.96%	100.00%	-
P/EPS	43.02	52.21	79.19	69.18	64.12	45.69	41.18	0.73%
YoY %	-17.60%	-34.07%	14.47%	7.89%	40.34%	10.95%	-	-
Horiz. %	104.47%	126.78%	192.30%	167.99%	155.71%	110.95%	100.00%	-
EY	2.32	1.92	1.26	1.45	1.56	2.19	2.43	-0.76%
YoY %	20.83%	52.38%	-13.10%	-7.05%	-28.77%	-9.88%	-	-
Horiz. %	95.47%	79.01%	51.85%	59.67%	64.20%	90.12%	100.00%	-
DY	1.42	1.62	1.76	1.55	1.63	1.33	0.96	6.73%
YoY %	-12.35%	-7.95%	13.55%	-4.91%	22.56%	38.54%	-	-
Horiz. %	147.92%	168.75%	183.33%	161.46%	169.79%	138.54%	100.00%	-
P/NAPS	1.90	1.82	1.77	1.93	1.87	1.79	1.67	2.17%
YoY %	4.40%	2.82%	-8.29%	3.21%	4.47%	7.19%	-	-
Horiz. %	113.77%	108.98%	105.99%	115.57%	111.98%	107.19%	100.00%	-

	31/12/07	31/12/06	31/12/05	31/12/04	31/12/03	31/12/02	31/12/01	CAGR
Price Multiplier on Announcement Date
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	16.58	22.78	21.75	23.34	25.98	18.48	13.68	3.25%
YoY %	-27.22%	4.74%	-6.81%	-10.16%	40.58%	35.09%	-	-
Horiz. %	121.20%	166.52%	158.99%	170.61%	189.91%	135.09%	100.00%	-
P/EPS	40.65	63.97	79.97	69.18	71.52	46.90	44.12	-1.35%
YoY %	-36.45%	-20.01%	15.60%	-3.27%	52.49%	6.30%	-	-
Horiz. %	92.14%	144.99%	181.26%	156.80%	162.10%	106.30%	100.00%	-
EY	2.46	1.56	1.25	1.45	1.40	2.13	2.27	1.34%
YoY %	57.69%	24.80%	-13.79%	3.57%	-34.27%	-6.17%	-	-
Horiz. %	108.37%	68.72%	55.07%	63.88%	61.67%	93.83%	100.00%	-
DY	1.50	1.32	1.75	1.55	1.47	1.30	0.90	8.88%
YoY %	13.64%	-24.57%	12.90%	5.44%	13.08%	44.44%	-	-
Horiz. %	166.67%	146.67%	194.44%	172.22%	163.33%	144.44%	100.00%	-
P/NAPS	1.79	2.23	1.79	1.93	2.09	1.84	1.79	0.00%
YoY %	-19.73%	24.58%	-7.25%	-7.66%	13.59%	2.79%	-	-
Horiz. %	100.00%	124.58%	100.00%	107.82%	116.76%	102.79%	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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