[PBBANK] YoY TTM Result on 30-Sep-2023 [#3]

Stock

[PBBANK] PUBLIC BANK BHD

Announcement Date

29-Nov-2023

Admission Sponsor

Sponsor

Financial Year

31-Dec-2023

Quarter

30-Sep-2023 [#3]

Profit Trend

QoQ- 1.67%

YoY- 16.61%

Quarter Report

3rd Quarter and Nine Months Ended 30 September 2023 Results.pdf

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PBBANK's Result

PBBANK's Financial Summary

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YoY %

Horiz. %

	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	CAGR
TTM Result
Revenue	24,929,959	20,222,643	19,680,639	21,061,294	22,412,628	21,760,317	20,591,707	3.23%
YoY %	23.28%	2.75%	-6.56%	-6.03%	3.00%	5.68%	-	-
Horiz. %	121.07%	98.21%	95.58%	102.28%	108.84%	105.68%	100.00%	-
PBT	8,992,105	8,116,269	7,035,134	6,632,836	7,101,370	7,268,683	6,953,146	4.37%
YoY %	10.79%	15.37%	6.07%	-6.60%	-2.30%	4.54%	-	-
Horiz. %	129.32%	116.73%	101.18%	95.39%	102.13%	104.54%	100.00%	-
Tax	-2,213,162	-2,269,069	-1,538,466	-1,445,727	-1,517,110	-1,523,447	-1,412,263	7.77%
YoY %	2.46%	-47.49%	-6.41%	4.71%	0.42%	-7.87%	-	-
Horiz. %	156.71%	160.67%	108.94%	102.37%	107.42%	107.87%	100.00%	-
NP	6,778,943	5,847,200	5,496,668	5,187,109	5,584,260	5,745,236	5,540,883	3.41%
YoY %	15.93%	6.38%	5.97%	-7.11%	-2.80%	3.69%	-	-
Horiz. %	122.34%	105.53%	99.20%	93.62%	100.78%	103.69%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
NP to SH	6,747,534	5,786,653	5,423,659	5,129,610	5,511,047	5,670,723	5,467,349	3.56%
YoY %	16.61%	6.69%	5.73%	-6.92%	-2.82%	3.72%	-	-
Horiz. %	123.42%	105.84%	99.20%	93.82%	100.80%	103.72%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Tax Rate	24.61%	27.96%	21.87%	21.80%	21.36%	20.96%	20.31%	-
YoY %	-11.98%	27.85%	0.32%	2.06%	1.91%	3.20%	-	-
Horiz. %	121.17%	137.67%	107.68%	107.34%	105.17%	103.20%	100.00%	-
Total Cost	18,151,016	14,375,443	14,183,971	15,874,185	16,828,368	16,015,081	15,050,824	3.16%
YoY %	26.26%	1.35%	-10.65%	-5.67%	5.08%	6.41%	-	-
Horiz. %	120.60%	95.51%	94.24%	105.47%	111.81%	106.41%	100.00%	-
								-
YoY %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	-	-	-	-	-	-	-	-
Net Worth	53,210,531	49,213,866	46,991,345	46,081,370	42,604,914	39,800,070	35,908,418	6.77%
YoY %	8.12%	4.73%	1.97%	8.16%	7.05%	10.84%	-	-
Horiz. %	148.18%	137.05%	130.86%	128.33%	118.65%	110.84%	100.00%	-

	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	CAGR
Dividend
Div	2,717,496	3,823,906	3,979,191	1,552,855	2,717,496	2,549,366	2,278,281	2.98%
YoY %	-28.93%	-3.90%	156.25%	-42.86%	6.59%	11.90%	-	-
Horiz. %	119.28%	167.84%	174.66%	68.16%	119.28%	111.90%	100.00%	-
Div Payout %	40.27%	66.08%	73.37%	30.27%	49.31%	44.96%	41.67%	-
YoY %	-39.06%	-9.94%	142.39%	-38.61%	9.68%	7.90%	-	-
Horiz. %	96.64%	158.58%	176.07%	72.64%	118.33%	107.90%	100.00%	-

	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	CAGR
Equity
Net Worth	53,210,531	49,213,866	46,991,345	46,081,370	42,604,914	39,800,070	35,908,418	6.77%
YoY %	8.12%	4.73%	1.97%	8.16%	7.05%	10.84%	-	-
Horiz. %	148.18%	137.05%	130.86%	128.33%	118.65%	110.84%	100.00%	-
NOSH	19,410,691	19,410,691	19,410,691	3,882,138	3,882,138	3,882,138	3,882,138	30.75%
YoY %	0.00%	0.00%	400.00%	0.00%	0.00%	0.00%	-	-
Horiz. %	500.00%	500.00%	500.00%	100.00%	100.00%	100.00%	100.00%	-

	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	CAGR
Ratio Analysis
NP Margin	27.19%	28.91%	27.93%	24.63%	24.92%	26.40%	26.91%	-
YoY %	-5.95%	3.51%	13.40%	-1.16%	-5.61%	-1.90%	-	-
Horiz. %	101.04%	107.43%	103.79%	91.53%	92.60%	98.10%	100.00%	-
ROE	12.68%	11.76%	11.54%	11.13%	12.94%	14.25%	15.23%	-
YoY %	7.82%	1.91%	3.68%	-13.99%	-9.19%	-6.43%	-	-
Horiz. %	83.26%	77.22%	75.77%	73.08%	84.96%	93.57%	100.00%	-

	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	CAGR
Per Share
RPS	128.43	104.18	101.39	542.52	577.33	560.52	533.26	-21.11%
YoY %	23.28%	2.75%	-81.31%	-6.03%	3.00%	5.11%	-	-
Horiz. %	24.08%	19.54%	19.01%	101.74%	108.26%	105.11%	100.00%	-
EPS	34.76	29.81	27.94	132.13	141.96	146.07	141.59	-20.86%
YoY %	16.61%	6.69%	-78.85%	-6.92%	-2.81%	3.16%	-	-
Horiz. %	24.55%	21.05%	19.73%	93.32%	100.26%	103.16%	100.00%	-
DPS	14.00	19.70	20.50	40.00	70.00	66.00	59.00	-21.30%
YoY %	-28.93%	-3.90%	-48.75%	-42.86%	6.06%	11.86%	-	-
Horiz. %	23.73%	33.39%	34.75%	67.80%	118.64%	111.86%	100.00%	-
NAPS	2.7413	2.5354	2.4209	11.8701	10.9746	10.2521	9.2991	-18.41%
YoY %	8.12%	4.73%	-79.61%	8.16%	7.05%	10.25%	-	-
Horiz. %	29.48%	27.27%	26.03%	127.65%	118.02%	110.25%	100.00%	-

	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	CAGR
Adjusted Per Share Value based on latest NOSH - 19,410,691
RPS	128.43	104.18	101.39	108.50	115.47	112.10	106.08	3.23%
YoY %	23.28%	2.75%	-6.55%	-6.04%	3.01%	5.67%	-	-
Horiz. %	121.07%	98.21%	95.58%	102.28%	108.85%	105.67%	100.00%	-
EPS	34.76	29.81	27.94	26.43	28.39	29.21	28.17	3.56%
YoY %	16.61%	6.69%	5.71%	-6.90%	-2.81%	3.69%	-	-
Horiz. %	123.39%	105.82%	99.18%	93.82%	100.78%	103.69%	100.00%	-
DPS	14.00	19.70	20.50	8.00	14.00	13.13	11.74	2.97%
YoY %	-28.93%	-3.90%	156.25%	-42.86%	6.63%	11.84%	-	-
Horiz. %	119.25%	167.80%	174.62%	68.14%	119.25%	111.84%	100.00%	-
NAPS	2.7413	2.5354	2.4209	2.374	2.1949	2.0504	1.8499	6.77%
YoY %	8.12%	4.73%	1.98%	8.16%	7.05%	10.84%	-	-
Horiz. %	148.19%	137.06%	130.87%	128.33%	118.65%	110.84%	100.00%	-

	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	CAGR
Price Multiplier on Financial Quarter End Date
Date	29/09/23	30/09/22	30/09/21	30/09/20	30/09/19	28/09/18	29/09/17	-
Price	4.06	4.23	4.07	15.70	20.08	25.00	20.44	-
P/RPS	3.16	4.06	4.01	2.89	3.48	4.46	3.83	-3.15%
YoY %	-22.17%	1.25%	38.75%	-16.95%	-21.97%	16.45%	-	-
Horiz. %	82.51%	106.01%	104.70%	75.46%	90.86%	116.45%	100.00%	-
P/EPS	11.68	14.19	14.57	11.88	14.14	17.11	14.44	-3.47%
YoY %	-17.69%	-2.61%	22.64%	-15.98%	-17.36%	18.49%	-	-
Horiz. %	80.89%	98.27%	100.90%	82.27%	97.92%	118.49%	100.00%	-
EY	8.56	7.05	6.87	8.42	7.07	5.84	6.93	3.58%
YoY %	21.42%	2.62%	-18.41%	19.09%	21.06%	-15.73%	-	-
Horiz. %	123.52%	101.73%	99.13%	121.50%	102.02%	84.27%	100.00%	-
DY	3.45	4.66	5.04	2.55	3.49	2.64	2.89	2.99%
YoY %	-25.97%	-7.54%	97.65%	-26.93%	32.20%	-8.65%	-	-
Horiz. %	119.38%	161.25%	174.39%	88.24%	120.76%	91.35%	100.00%	-
P/NAPS	1.48	1.67	1.68	1.32	1.83	2.44	2.20	-6.39%
YoY %	-11.38%	-0.60%	27.27%	-27.87%	-25.00%	10.91%	-	-
Horiz. %	67.27%	75.91%	76.36%	60.00%	83.18%	110.91%	100.00%	-

	30/09/23	30/09/22	30/09/21	30/09/20	30/09/19	30/09/18	30/09/17	CAGR
Price Multiplier on Announcement Date
Date	29/11/23	30/11/22	29/11/21	27/11/20	07/11/19	25/10/18	26/10/17	-
Price	4.24	4.50	3.96	18.60	19.86	24.90	20.48	-
P/RPS	3.30	4.32	3.91	3.43	3.44	4.44	3.84	-2.49%
YoY %	-23.61%	10.49%	13.99%	-0.29%	-22.52%	15.63%	-	-
Horiz. %	85.94%	112.50%	101.82%	89.32%	89.58%	115.63%	100.00%	-
P/EPS	12.20	15.09	14.17	14.08	13.99	17.05	14.46	-2.79%
YoY %	-19.15%	6.49%	0.64%	0.64%	-17.95%	17.91%	-	-
Horiz. %	84.37%	104.36%	97.99%	97.37%	96.75%	117.91%	100.00%	-
EY	8.20	6.62	7.06	7.10	7.15	5.87	6.91	2.89%
YoY %	23.87%	-6.23%	-0.56%	-0.70%	21.81%	-15.05%	-	-
Horiz. %	118.67%	95.80%	102.17%	102.75%	103.47%	84.95%	100.00%	-
DY	3.30	4.38	5.18	2.15	3.52	2.65	2.88	2.29%
YoY %	-24.66%	-15.44%	140.93%	-38.92%	32.83%	-7.99%	-	-
Horiz. %	114.58%	152.08%	179.86%	74.65%	122.22%	92.01%	100.00%	-
P/NAPS	1.55	1.77	1.64	1.57	1.81	2.43	2.20	-5.66%
YoY %	-12.43%	7.93%	4.46%	-13.26%	-25.51%	10.45%	-	-
Horiz. %	70.45%	80.45%	74.55%	71.36%	82.27%	110.45%	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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