[HLBANK] YoY Quarter Result on 31-Dec-2017 [#2]

	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	31/12/14	CAGR
Quarter Result
Revenue	1,400,088	1,237,544	1,142,170	1,228,555	1,178,740	1,073,510	1,023,448	5.35%
YoY %	13.13%	8.35%	-7.03%	4.23%	9.80%	4.89%	-	-
Horiz. %	136.80%	120.92%	111.60%	120.04%	115.17%	104.89%	100.00%	-
PBT	815,290	856,968	823,201	833,099	696,630	425,810	707,025	2.40%
YoY %	-4.86%	4.10%	-1.19%	19.59%	63.60%	-39.77%	-	-
Horiz. %	115.31%	121.21%	116.43%	117.83%	98.53%	60.23%	100.00%	-
Tax	-144,502	-155,154	-135,955	-150,028	-146,695	-81,728	-155,423	-1.20%
YoY %	6.87%	-14.12%	9.38%	-2.27%	-79.49%	47.42%	-	-
Horiz. %	92.97%	99.83%	87.47%	96.53%	94.38%	52.58%	100.00%	-
NP	670,788	701,814	687,246	683,071	549,935	344,082	551,602	3.31%
YoY %	-4.42%	2.12%	0.61%	24.21%	59.83%	-37.62%	-	-
Horiz. %	121.61%	127.23%	124.59%	123.83%	99.70%	62.38%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	670,788	701,814	687,246	683,071	549,935	344,082	551,602	3.31%
YoY %	-4.42%	2.12%	0.61%	24.21%	59.83%	-37.62%	-	-
Horiz. %	121.61%	127.23%	124.59%	123.83%	99.70%	62.38%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	17.72%	18.10%	16.52%	18.01%	21.06%	19.19%	21.98%	-
YoY %	-2.10%	9.56%	-8.27%	-14.48%	9.74%	-12.69%	-	-
Horiz. %	80.62%	82.35%	75.16%	81.94%	95.81%	87.31%	100.00%	-
Total Cost	729,300	535,730	454,924	545,484	628,805	729,428	471,846	7.51%
YoY %	36.13%	17.76%	-16.60%	-13.25%	-13.79%	54.59%	-	-
Horiz. %	154.56%	113.54%	96.41%	115.61%	133.26%	154.59%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	28,251,912	26,051,994	24,468,126	23,197,104	21,824,994	17,654,637	15,273,230	10.78%
YoY %	8.44%	6.47%	5.48%	6.29%	23.62%	15.59%	-	-
Horiz. %	184.98%	170.57%	160.20%	151.88%	142.90%	115.59%	100.00%	-

	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	31/12/14	CAGR
Dividend
Div	302,582	327,440	327,332	327,296	306,818	265,616	264,853	2.24%
YoY %	-7.59%	0.03%	0.01%	6.67%	15.51%	0.29%	-	-
Horiz. %	114.25%	123.63%	123.59%	123.58%	115.84%	100.29%	100.00%	-
Div Payout %	45.11%	46.66%	47.63%	47.92%	55.79%	77.20%	48.02%	-
YoY %	-3.32%	-2.04%	-0.61%	-14.11%	-27.73%	60.77%	-	-
Horiz. %	93.94%	97.17%	99.19%	99.79%	116.18%	160.77%	100.00%	-

	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	31/12/14	CAGR
Equity
Net Worth	28,251,912	26,051,994	24,468,126	23,197,104	21,824,994	17,654,637	15,273,230	10.78%
YoY %	8.44%	6.47%	5.48%	6.29%	23.62%	15.59%	-	-
Horiz. %	184.98%	170.57%	160.20%	151.88%	142.90%	115.59%	100.00%	-
NOSH	2,167,718	2,167,718	2,167,718	2,167,718	2,167,718	2,167,718	1,765,691	3.47%
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	22.77%	-	-
Horiz. %	122.77%	122.77%	122.77%	122.77%	122.77%	122.77%	100.00%	-

	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	31/12/14	CAGR
Ratio Analysis
NP Margin	47.91%	56.71%	60.17%	55.60%	46.65%	32.05%	53.90%	-
YoY %	-15.52%	-5.75%	8.22%	19.19%	45.55%	-40.54%	-	-
Horiz. %	88.89%	105.21%	111.63%	103.15%	86.55%	59.46%	100.00%	-
ROE	2.37%	2.69%	2.81%	2.94%	2.52%	1.95%	3.61%	-
YoY %	-11.90%	-4.27%	-4.42%	16.67%	29.23%	-45.98%	-	-
Horiz. %	65.65%	74.52%	77.84%	81.44%	69.81%	54.02%	100.00%	-

	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	31/12/14	CAGR
Per Share
RPS	68.39	60.47	55.83	60.06	57.63	60.62	57.96	2.79%
YoY %	13.10%	8.31%	-7.04%	4.22%	-4.93%	4.59%	-	-
Horiz. %	118.00%	104.33%	96.33%	103.62%	99.43%	104.59%	100.00%	-
EPS	32.77	34.29	33.59	33.39	26.89	19.43	31.24	0.79%
YoY %	-4.43%	2.08%	0.60%	24.17%	38.39%	-37.80%	-	-
Horiz. %	104.90%	109.76%	107.52%	106.88%	86.08%	62.20%	100.00%	-
DPS	14.78	16.00	16.00	16.00	15.00	15.00	15.00	-0.24%
YoY %	-7.63%	0.00%	0.00%	6.67%	0.00%	0.00%	-	-
Horiz. %	98.53%	106.67%	106.67%	106.67%	100.00%	100.00%	100.00%	-
NAPS	13.80	12.73	11.96	11.34	10.67	9.97	8.65	8.08%
YoY %	8.41%	6.44%	5.47%	6.28%	7.02%	15.26%	-	-
Horiz. %	159.54%	147.17%	138.27%	131.10%	123.35%	115.26%	100.00%	-

	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	31/12/14	CAGR
Adjusted Per Share Value based on latest NOSH - 2,167,718
RPS	64.59	57.09	52.69	56.68	54.38	49.52	47.21	5.35%
YoY %	13.14%	8.35%	-7.04%	4.23%	9.81%	4.89%	-	-
Horiz. %	136.81%	120.93%	111.61%	120.06%	115.19%	104.89%	100.00%	-
EPS	30.94	32.38	31.70	31.51	25.37	15.87	25.45	3.30%
YoY %	-4.45%	2.15%	0.60%	24.20%	59.86%	-37.64%	-	-
Horiz. %	121.57%	127.23%	124.56%	123.81%	99.69%	62.36%	100.00%	-
DPS	13.96	15.11	15.10	15.10	14.15	12.25	12.22	2.24%
YoY %	-7.61%	0.07%	0.00%	6.71%	15.51%	0.25%	-	-
Horiz. %	114.24%	123.65%	123.57%	123.57%	115.79%	100.25%	100.00%	-
NAPS	13.033	12.0182	11.2875	10.7012	10.0682	8.1443	7.0458	10.78%
YoY %	8.44%	6.47%	5.48%	6.29%	23.62%	15.59%	-	-
Horiz. %	184.98%	170.57%	160.20%	151.88%	142.90%	115.59%	100.00%	-

	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	31/12/14	CAGR
Price Multiplier on Financial Quarter End Date
Date	31/12/20	31/12/19	31/12/18	29/12/17	30/12/16	31/12/15	31/12/14	-
Price	18.20	17.30	20.40	17.00	13.50	13.44	13.98	-
P/RPS	26.61	28.61	36.54	28.31	23.43	22.17	24.12	1.64%
YoY %	-6.99%	-21.70%	29.07%	20.83%	5.68%	-8.08%	-	-
Horiz. %	110.32%	118.62%	151.49%	117.37%	97.14%	91.92%	100.00%	-
P/EPS	55.55	50.45	60.73	50.91	50.21	69.17	44.75	3.66%
YoY %	10.11%	-16.93%	19.29%	1.39%	-27.41%	54.57%	-	-
Horiz. %	124.13%	112.74%	135.71%	113.77%	112.20%	154.57%	100.00%	-
EY	1.80	1.98	1.65	1.96	1.99	1.45	2.23	-3.50%
YoY %	-9.09%	20.00%	-15.82%	-1.51%	37.24%	-34.98%	-	-
Horiz. %	80.72%	88.79%	73.99%	87.89%	89.24%	65.02%	100.00%	-
DY	0.81	0.92	0.78	0.94	1.11	1.12	1.07	-4.52%
YoY %	-11.96%	17.95%	-17.02%	-15.32%	-0.89%	4.67%	-	-
Horiz. %	75.70%	85.98%	72.90%	87.85%	103.74%	104.67%	100.00%	-
P/NAPS	1.32	1.36	1.71	1.50	1.27	1.35	1.62	-3.35%
YoY %	-2.94%	-20.47%	14.00%	18.11%	-5.93%	-16.67%	-	-
Horiz. %	81.48%	83.95%	105.56%	92.59%	78.40%	83.33%	100.00%	-

	31/12/20	31/12/19	31/12/18	31/12/17	31/12/16	31/12/15	31/12/14	CAGR
Price Multiplier on Announcement Date
Date	26/02/21	26/02/20	26/02/19	26/02/18	21/02/17	23/02/16	25/02/15	-
Price	18.00	15.20	21.30	18.52	13.50	13.08	14.28	-
P/RPS	26.32	25.14	38.15	30.84	23.43	21.58	24.64	1.10%
YoY %	4.69%	-34.10%	23.70%	31.63%	8.57%	-12.42%	-	-
Horiz. %	106.82%	102.03%	154.83%	125.16%	95.09%	87.58%	100.00%	-
P/EPS	54.94	44.32	63.41	55.46	50.21	67.31	45.71	3.10%
YoY %	23.96%	-30.11%	14.33%	10.46%	-25.40%	47.25%	-	-
Horiz. %	120.19%	96.96%	138.72%	121.33%	109.84%	147.25%	100.00%	-
EY	1.82	2.26	1.58	1.80	1.99	1.49	2.19	-3.03%
YoY %	-19.47%	43.04%	-12.22%	-9.55%	33.56%	-31.96%	-	-
Horiz. %	83.11%	103.20%	72.15%	82.19%	90.87%	68.04%	100.00%	-
DY	0.82	1.05	0.75	0.86	1.11	1.15	1.05	-4.03%
YoY %	-21.90%	40.00%	-12.79%	-22.52%	-3.48%	9.52%	-	-
Horiz. %	78.10%	100.00%	71.43%	81.90%	105.71%	109.52%	100.00%	-
P/NAPS	1.30	1.19	1.78	1.63	1.27	1.31	1.65	-3.89%
YoY %	9.24%	-33.15%	9.20%	28.35%	-3.05%	-20.61%	-	-
Horiz. %	78.79%	72.12%	107.88%	98.79%	76.97%	79.39%	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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