Hong Leong Bank Bhd
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I guess you are interested in Hong Leong Bank Bhd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

Let's analyse Hong Leong Bank Bhd

Let's start. I'm going to help you getting a better view of Hong Leong Bank Bhd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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Company's Financial Health
A deep dive into the books. How are the numbers doing? Is Hong Leong Bank Bhd even making a profit? Is the company skyrocketing? Or is it sinking like the Titanic. The trend is your friend.
Market Valuation
Finally, you now have an insight of how Hong Leong Bank Bhd is doing in the market. If the company is worth buying. The latest step is to find out how other investors value Hong Leong Bank Bhd. The closing price on 2022-10-04 was RM20.62 per share. Is the company over- or underpriced?
Key Performance Indicators
A total overlook on how the company is doing. Based on the (trends in) the key performance indicators.

Hong Leong Bank Bhd Daily Candlestick Chart

Summary

Financial Health

Profitability Details

	Compared to previous year	Compared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.

Operating Efficiency Details

	Compared to previous year	Compared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.

Liquidity Details

	Compared to previous year	Compared to industry

Solvency Details

	Compared to previous year	Compared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

1.1. Profitability of Hong Leong Bank Bhd.

1.1. Profitability

An important factor of a company's health is the profitability.

1.1.1. Net Profit Margin

Measures how much net profit Hong Leong Bank Bhd earns for each RM1 of revenue.

Above 10% is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
A Net Profit Margin of 58.8% means that RM[indicator name=netProfitMargin&period=MRQ&percentage=1 for each RM1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Hong Leong Bank Bhd:

The MRQ is 58.8%. The company is making a huge profit. +2
The TTM is 57.1%. The company is making a huge profit. +2

Trends

Current period		Compared to		+/-
MRQ	58.8%	TTM	57.1%	+1.7%
TTM	57.1%	YOY	51.8%	+5.2%
TTM	57.1%	5Y	54.8%	+2.3%
5Y	54.8%	10Y	52.3%	+2.5%

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
MRQ	58.8%	23.8%	+35.0%
TTM	57.1%	23.8%	+33.3%
YOY	51.8%	21.4%	+30.4%
5Y	54.8%	23.7%	+31.1%
10Y	52.3%	23.2%	+29.1%

Measures how much net profit Hong Leong Bank Bhd earns for each RM1 of revenue.

Revenue is the amount of profit Hong Leong Bank Bhd generates before taxes and all other costs. For example, when you buy a cup of coffee it will cost you RM3. The company does not earn RM3 in profit but also has to pay various costs and taxes to create that cup of coffee. Let's assume the cost of creating a cup of coffee is RM1.5.

The RM3 you pay for a cup of coffee is called revenue.
The RM1.5 that’s left over when all costs to create that cup of coffee (including taxes) are deduced from the revenue is called net profit.

The net profit margin looks at how much net profit Hong Leong Bank Bhd earns for each RM1 in revenue.

How to use net profit margin

Higher profit margin is better (more profit).
Above 10% is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
Can be used to compare companies within the Banks industry.

You typically want a high profit margin. This means that for each RM1 in sales, Hong Leong Bank Bhd makes more profit. This shows the investor how efficiently Hong Leong Bank Bhd is operating in general and compared to other companies in the same industry. Hong Leong Bank Bhd operates in the Banks industry.

Why do investors use net profit margin in their analysis

It helps investors to determine the efficiency of Hong Leong Bank Bhd. If profit margins remain low (compared to the Banks industry mean) and there are no improvements to make in production costs or other areas that might be a warning sign. If profit margins are high that means the company has low overhead costs and is efficiently using its resources to generate profit.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Net Profit Margin of Hong Leong Bank Bhd is 0.59. This means that Hong Leong Bank Bhd earned RM0.59 for each RM1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Net Profit Margin of the Banks industry is 23.8%.
What is the trend?
The trend is important because it shows you how Hong Leong Bank Bhd is performing over time. The most recent quarter might be important if Hong Leong Bank Bhd released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Hong Leong Bank Bhd up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare Hong Leong Bank Bhd with other companies in the same industry (Banks).
Net profit margin should rise over the years.
Can be influenced when Hong Leong Bank Bhd sells assets (profit will increase while costs remain the same).
It won’t show what part of Hong Leong Bank Bhd is doing great or needs improvement (it only looks at total revenue and total net income).

How to calculate net profit margin

Net profit margin = net income / total revenue * 100%

Real example of Hong Leong Bank Bhd

You need the following data to determine net profit margin:

Income statement from the period you want to calculate (for example, MRQ or TTM).

Net income MRQ Hong Leong Bank Bhd = 784,798
Total revenue MRQ Hong Leong Bank Bhd = 1,334,435
RM784,798 / RM1,334,435 = 0.59 or 58.8%

Higher is better

The higher the net profit margin, the more efficient the company is generating income. This helps investors to determine how the company is managing money. The net profit margin is an important indicator when diving into the financial health of a company. Overall, you want to see the net profit margin rising over the years. That means the company improved their production and made it more efficient (if possible).

You can use the net profit margin to compare companies within the same industry. If there are two companies where one is much bigger but the smaller one has a higher net profit margin, that means the smaller company is more efficiently using operational costs.

Important: Profit margins can be very different between industries. Companies with assembly lines or transports are much more prone to see shifting in prices for fuel, ingredients and maintenance compared to companies that only provide services. You should never compare net profit margin between different industries.

1.1.2. Return on Assets

Shows how efficient Hong Leong Bank Bhd is using its assets to generate profit.

Above 5% is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
0.3% Return on Assets means that Hong Leong Bank Bhd generated RM0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Hong Leong Bank Bhd:

The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1

Trends

Current period		Compared to		+/-
MRQ	0.3%	TTM	0.3%	0.0%
TTM	0.3%	YOY	0.3%	+0.0%
TTM	0.3%	5Y	0.3%	0.0%
5Y	0.3%	10Y	0.3%	+0.0%

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
MRQ	0.3%	0.2%	+0.1%
TTM	0.3%	0.2%	+0.1%
YOY	0.3%	0.2%	+0.1%
5Y	0.3%	0.3%	+0.0%
10Y	0.3%	0.3%	+0.0%

Shows how efficient Hong Leong Bank Bhd is using its assets to generate profit.

For a farm, a tractor is considered an asset. The tractor helps ploughing the land making it possible to plant and harvest crops. But the tractor might be old and needing maintenance all the time reducing its efficiency. Return on assets indicates how effectively the farm is using the tractor (and other assets that help the core business) to plough the land.

How to use return on assets

Higher is better
Above 5% is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
Can be very different between industries
Can be used to compare companies

Why do investors use return on assets in their analysis

Shows the investor how effectively Hong Leong Bank Bhd is using its resources to generate profit. If the return on assets (0.3%) from Hong Leong Bank Bhd are higher than the Banks mean (0.2%) that means Hong Leong Bank Bhd is using its resources better than their competitors. If not, that means their competitors are more efficient in using their resources to generate profit.

An investor should always look at:

What is the current return on assets?
The current most recent quarter (MRQ) Return on Assets of Hong Leong Bank Bhd is 0.3%. This means the company generated RM0.00 for each RM1 in assets.
How does it compare to the industry?
The mean MRQ Return on Assets of the Banks industry is 0.2%.
What is the trend?
The trend is important because it shows you how Hong Leong Bank Bhd is performing over time. The most recent quarter might be important if Hong Leong Bank Bhd released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Hong Leong Bank Bhd up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
If a company has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

How to calculate return on assets

Return on assets = net income / total assets * 100%

Real example Hong Leong Bank Bhd

You need the following data to determine return on assets (ROA):

Income statement
Balance sheet

Net income MRQ (income statement) from Hong Leong Bank Bhd = 784,798
Total assets MRQ (balance sheet) from Hong Leong Bank Bhd = 251,881,706
784,798 / 251,881,706 = 0.00 or 0.3%

ROA is an important ratio as it will tell you how effectively Hong Leong Bank Bhd is using its resources to generate profits. Example:

Bob and Kristin both sell ice cream in the summer. They both have an ice cream truck. The truck Bob owes cost him $20.000 and the truck Kristin owes cost her $1500. Over the summer, Bob earned $2000 and Kristin earned $200. To calculate the return on assets:

Bob: $2000 / $20.000 * 100% = 10%
Kristin: $200 / $1500 * 100% = 13.3%

This tells you Bob’s company is more valuable but Kristin's company is more efficient. Be aware that total assets can change over time. A transportation business will buy and sell trucks or planes all the time. Before using return on assets as a guideline, you have to know what the exact assets are. For a company that has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

1.1.3. Return on Equity

Shows how efficient Hong Leong Bank Bhd is using its investors money to generate profit.

Above 15%-20% is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
2.6% Return on Equity means Hong Leong Bank Bhd generated RM0.03 for each RM1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Hong Leong Bank Bhd:

The MRQ is 2.6%. Using its investors money, the company is inefficient in making profit. -1
The TTM is 2.6%. Using its investors money, the company is inefficient in making profit. -1

Trends

Current period		Compared to		+/-
MRQ	2.6%	TTM	2.6%	+0.0%
TTM	2.6%	YOY	2.4%	+0.1%
TTM	2.6%	5Y	2.9%	-0.3%
5Y	2.9%	10Y	3.0%	-0.2%

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
MRQ	2.6%	2.7%	-0.1%
TTM	2.6%	2.6%	0.0%
YOY	2.4%	2.8%	-0.4%
5Y	2.9%	2.7%	+0.2%
10Y	3.0%	2.7%	+0.3%

Shows how efficient Hong Leong Bank Bhd is using its investors money to generate profit.

A publicly traded company (any company that issues shares to the public) is owned by its shareholders. Return on equity calculates the amount of profit for every $1 the shareholders invested.

How to use return on equity

Higher is better.
Above 15%-20% is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on equity in their analysis

To find out the owners/management's attitude toward their company. You typically want the owners/management to invest in the company and focus on generating profit. If not enough profit is generated (compared to the Banks industry mean), the company might not be investing their money efficiently.

The three steps every investor should look at:

What is the current return on equity?
The current most recent quarter (MRQ) Return on Equity of Hong Leong Bank Bhd is 2.6%. This means Hong Leong Bank Bhd generated RM0.03 for each RM1 the owners (shareholders) invested.
How does it compare to the industry?
The mean MRQ Return on Equity of the Banks industry is 2.7%.
What is the trend?
The trend is important because it shows you how Hong Leong Bank Bhd is performing over time. The most recent quarter might be important if Hong Leong Bank Bhd released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Hong Leong Bank Bhd up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Does not include intangible assets (non physical assets like licences, computer software, etc.).
Stockholders equity and shareholders equity refer to the same thing.
Liabilities should not be more than three times return on equity.

How to calculate return on equity

Return on equity = net profit / shareholders equity * 100%

Real example of Hong Leong Bank Bhd

You need the following data to determine ROE:

Income statement
Balance sheet
Net profit MRQ (income statement) Hong Leong Bank Bhd = 784,798
Shareholders equity (balance sheet) MRQ Hong Leong Bank Bhd = 30,360,930
784,798 / 30,360,930 = 0.03 or 2.6%

A negative shareholder equity is a warning sign. It means the company has more liabilities than assets. It might also mean that the owners did not invest enough money or they are taking money out of the business.

1.2. Operating Efficiency of Hong Leong Bank Bhd.

1.2. Operating Efficiency

1.2.1. Operating Margin

Measures how efficient Hong Leong Bank Bhd is operating .

Measures how much profit Hong Leong Bank Bhd makes for each RM1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
Above 15% is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
An Operating Margin of 113.3% means the company generated RM1.13 for each RM1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Hong Leong Bank Bhd:

The MRQ is 113.3%. The company is operating very efficient. +2
The TTM is 108.8%. The company is operating very efficient. +2

Trends

Current period		Compared to		+/-
MRQ	113.3%	TTM	108.8%	+4.6%
TTM	108.8%	YOY	107.9%	+0.9%
TTM	108.8%	5Y	130.1%	-21.3%
5Y	130.1%	10Y	125.8%	+4.3%

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
MRQ	113.3%	106.0%	+7.3%
TTM	108.8%	73.6%	+35.2%
YOY	107.9%	36.5%	+71.4%
5Y	130.1%	30.5%	+99.6%
10Y	125.8%	28.2%	+97.6%

Measures how efficient Hong Leong Bank Bhd is operating .

The more effecient a company creates products or provides services, the more profit it generates.

How to use operating margin

Higher is better
Above 15% is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
Can be very different between industries
Can be used to compare companies

Why do investors use operating margin in their analysis

To determine how much profit Hong Leong Bank Bhd is making from it’s core business.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Operating Margin of Hong Leong Bank Bhd is 113.3%. This means that Hong Leong Bank Bhd earned RM1.13 for each RM1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Margin of the Banks industry is 106.0%.
What is the trend?
The trend is important because it shows you how Hong Leong Bank Bhd is performing over time. The most recent quarter might be important if Hong Leong Bank Bhd released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Hong Leong Bank Bhd up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Can be calculated in different ways

How to calculate operating margin

Operating margin = operating earnings / total revenue

Real example of Hong Leong Bank Bhd

You need the following data to determine operating margin:

Income statement
Operating earnings MRQ Hong Leong Bank Bhd =
Total revenue MRQ Hong Leong Bank Bhd = 1,334,435
RM / RM1,334,435 = 1.13 or 113.3%

Operating margin is used to calculate how much profit a company makes after variable costs of production but before paying interest and taxes. Some variable costs examples are wages, raw materials, packaging, and transaction fees. The amount of variable costs is different for each company and industry. In general, a higher operating margin is better as this implicates that a company is running efficiently.

For investors, a higher operating margin is a good sign. Although you should always look at operating margin in the long term. If operating margin is fluctuating over the years this might be a sign that things are not running efficiently enough. It’s a way to check how much profit a company is making from its core business.

Operation earnings can be calculated in multiple ways:

Operation earnings = EBIT - non operating income + non operating expense
Operation earnings = Gross profit - operating expense - depreciation and amortisation
Operation earnings = Total revenue - COGS (costs of goods sold) - indirect costs

1.2.2. Operating Ratio

Measures how efficient Hong Leong Bank Bhd is keeping operating costs low.

Below 1 is considered healthy (always compare to Banks industry mean).
An Operation Ratio of 0.38 means that the operating costs are RM0.38 for each RM1 in net sales.

Let's take a look of the Operating Ratio trends of Hong Leong Bank Bhd:

The MRQ is 0.379. The company is very efficient in keeping operating costs low. +2
The TTM is 0.375. The company is very efficient in keeping operating costs low. +2

Trends

Current period		Compared to		+/-
MRQ	0.379	TTM	0.375	+0.003
TTM	0.375	YOY	0.385	-0.010
TTM	0.375	5Y	0.413	-0.038
5Y	0.413	10Y	0.435	-0.022

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
MRQ	0.379	0.408	-0.029
TTM	0.375	0.490	-0.115
YOY	0.385	0.375	+0.010
5Y	0.413	0.215	+0.198
10Y	0.435	0.190	+0.245

Measures how efficient Hong Leong Bank Bhd is keeping operating costs low.

If the operating ratio is below 1 that means the company is making money. The lower the operating ratio, the more efficient the company.

How to use operating ratio

Lower is better.
Below 1 is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use operating ratio in their analysis

Shows if costs of creating products and or services is increasing or decreasing. The lower the operating ratio, the more efficient the company is creating products and services.

The three steps every investor should look at:

What is the current Operatin ratio?
The current most recent quarter (MRQ) Operating Ratio of Hong Leong Bank Bhd is 37.9%. This means that Hong Leong Bank Bhd earned RM0.38 for each RM1 in net sales in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Ratio of the Banks industry is 0.41.
What is the trend?
The trend is important because it shows you how Hong Leong Bank Bhd is performing over time. The most recent quarter might be important if Hong Leong Bank Bhd released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Hong Leong Bank Bhd up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
You need COGS to calculate operating ratio which is not always shown in the income statement.
Does not consider debt.

How to calculate operating ratio

Operating ratio = Operating expenses + COGS \ Net sales

Real life example Hong Leong Bank Bhd

You need the following data to determine operating ratio:

Income statement

COGS is not always specified on the income statement. If so you can use the following calculation:

(cost of revenue + total operating expenses) \ total revenue
( +505,429) \ 1,334,435 = 0.38

The operating ratio measures the efficiency of a company at keeping low costs while generating profits from sales. It compares the total operating expenses to the net amount of sales. The total operating expenses exists of:

COGS (materials, labour, rent of facility, repairs)
Operating expenses (legal fees, marketing, wages, rent, maintenance/repairs)

Operating expenses are all the costs the company makes that are not directly tied to the production of the service or product. Where COGS are costs that are directly tied to the production of a product or service.

Do note that COGS is not always available in the income statement. Some companies include COGS in the operating expenses while others list COGS separately. To make it even more confusing, COGS is also known as “costs of sales” and costs of sales is the same as costs of revenue.

The operating ratio tells you how efficient the company is creating its products or services while keeping prices low. In this case, a lower ratio is better. Higher or rising operating ratios might tell you that costs are rising while sales are not improving or staying the same.

1.3. Liquidity of Hong Leong Bank Bhd.

1.3. Liquidity

1.3.1. Current Ratio

Measures if Hong Leong Bank Bhd is able to pay off Short-term Debt.

Above 1.5 is considered healthy (always compare to Banks industry mean).
A Current Ratio of 0.00 means the company has RM0.00 in assets for each RM1 in short-term debts.

Let's take a look of the Current Ratio trends of Hong Leong Bank Bhd:

The MRQ is 0.000. The data is not here.

Trends

Current period		Compared to		+/-
MRQ	-	TTM	-	0.000
TTM	-	YOY	-	0.000
TTM	-	5Y	-	0.000
5Y	-	10Y	0.025	-0.025

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
MRQ	-	0.602	-0.602
TTM	-	0.198	-0.198
YOY	-	0.119	-0.119
5Y	-	0.061	-0.061
10Y	0.025	0.061	-0.036

Measures if Hong Leong Bank Bhd is able to pay off Short-term Debt.

How to use current ratio

Higher is better
Above 1.5 is considered healthy (always compare to Banks industry mean).
Can be very different between industries
Can be used to compare companies

Why do investors use current ratio in their analysis

Shows if the company can pay of short term debts if needed. A company that can't pay off it's short term debts might get in trouble if they have to pay off their short term debts for whatever reason. For example, markets can change due to global events like covid-19 or the war in Ukraine versus Russia. Because debts are always taken based on future income, it might become troublesome for Hong Leong Bank Bhd if something happens in the market that will cause sales to plummet.

The three steps every investor should look at:

What is the current current Ratio?
The current most recent quarter (MRQ) Current Ratio of Hong Leong Bank Bhd is 0.00. This means Hong Leong Bank Bhd has RM0.00 in assets for each RM1 in short-term debts.
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks industry is 0.60.
What is the trend?
The trend is important because it shows you how Hong Leong Bank Bhd is performing over time. The most recent quarter might be important if Hong Leong Bank Bhd released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Hong Leong Bank Bhd up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Might be deluded.
Not all assets can always be quickly sold.
Can be manipulated by increasing or decreasing the assets and/or liabilities.

How to calculate current ratio

Current ratio = current assets \ current liabilities

Real life example Hong Leong Bank Bhd

You need the following data to determine operating ratio:

Balance sheet
Current ratio = current assets \ current liabilities
\ ) = 0.00

The current ratio measures if Hong Leong Bank Bhd is able to pay short-term debts (obligations). Short term in this context means all debt obligations that are about to expire within one year. The current ratio incorporates current liabilities and current assets. Current assets are all the assets a company has that are expected to be consumed or sold within standard business operations. You can find the current assets in the balance sheet. They consist of:

Inventory
Accounts receivable
Marketable securities
Prepaid expenses
Cash
Cash equivalents
liquid assets

The current liabilities are short term obligations that are due within one year. These consist of:

Short term debts
Dividends
Income taxes
Short-term debts
Accounts payable
Interest payments

The result shows an investor if Hong Leong Bank Bhd is able to pay all its short-term debts if they were due all at once. When the result of the above formula is below 1, then Hong Leong Bank Bhd does not have enough capital after selling all its assets to pay all short-term debts. If the ratio drops far below 1 that might indicate Hong Leong Bank Bhd is or will be in financial trouble anytime soon.

Although this gives an investor some clues, the current ratio may also be deluded. Because owning assets does not mean the company can easily sell them. Also, Accounts receivable may be quite old (they will probably never pay) which deludes the current ratio. As with all ratios, you should only compare them between the same industries and companies.

1.3.2. Quick Ratio

Measures if Hong Leong Bank Bhd is able to pay off Short-term Debt but only using the most liquid assets.

Above 1 is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
A Quick Ratio of 0.00 means the company can pay off RM0.00 for each RM1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Hong Leong Bank Bhd:

The MRQ is 0.000. The data is not here.

Trends

Current period		Compared to		+/-
MRQ	-	TTM	-	0.000
TTM	-	YOY	-	0.000
TTM	-	5Y	-	0.000
5Y	-	10Y	0.016	-0.016

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
MRQ	-	5.691	-5.691
TTM	-	14.755	-14.755
YOY	-	0.044	-0.044
5Y	-	0.015	-0.015
10Y	0.016	0.014	+0.002

Measures if Hong Leong Bank Bhd is able to pay off Short-term Debt but only using the most liquid assets.

How to use quick ratio

Higher is better.
Above 1 is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use quick ratio in their analysis

Shows how fast Hong Leong Bank Bhd can pay off its short term debts. This shows if Hong Leong Bank Bhd can survive emergencies due to market changes or other reasons.

The three steps every investor should look at:

What is the current Quick Ratio?
The current most recent quarter (MRQ) quickRatio of Hong Leong Bank Bhd is 0.00. This means that Hong Leong Bank Bhd can pay off RM0.00 for each RM1 in debt (using most liquid assets).
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks industry is 5.69.
What is the trend?
The trend is important because it shows you how Hong Leong Bank Bhd is performing over time. The most recent quarter might be important if Hong Leong Bank Bhd released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Hong Leong Bank Bhd up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Incorporates only most liquid assets.

How to calculate quick ratio

Quick ratio = cash and equivalents + marketable securities + accounts receivable / current liabilities

Real life example Hong Leong Bank Bhd

You need the following data to determine operating ratio:

Balance sheet
Quick ratio = cash and short-term investments + short-term investments + netReceivables / total current liabilities
MRQ quick ratio Hong Leong Bank Bhd: (9,793,935 + +3,284,733) / = 0.00

The quick ratio measures the same thing as the current ratio, only it uses the most liquid assets a company has. Meaning, the assets that can be sold for cash the easiest and fastest.

As the quick ratio only incorporates the most liquid assets, you should also check the current ratio which also includes less liquid assets. But they may be harder to sell.

1.4. Solvency of Hong Leong Bank Bhd.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Measures how much % of Hong Leong Bank Bhd assets are financed with debt.

Below 1 (100%) is considered healthy (always compare to Banks industry mean).
A Debt to Asset Ratio of 0.88 means that Hong Leong Bank Bhd assets are financed with 87.9% credit (debt) and the remaining percentage (100% - 87.9%) is financed by its owners/shareholders.

Let's take a look of the Debt to Asset Ratio trends of Hong Leong Bank Bhd:

The MRQ is 0.879. The company is just able to pay all its debts by selling its assets.
The TTM is 0.878. The company is just able to pay all its debts by selling its assets.

Trends

Current period		Compared to		+/-
MRQ	0.879	TTM	0.878	+0.002
TTM	0.878	YOY	0.877	+0.001
TTM	0.878	5Y	0.879	-0.002
5Y	0.879	10Y	0.894	-0.014

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
MRQ	0.879	0.920	-0.041
TTM	0.878	0.916	-0.038
YOY	0.877	0.913	-0.036
5Y	0.879	0.914	-0.035
10Y	0.894	0.909	-0.015

Measures how much % of Hong Leong Bank Bhd assets are financed with debt.

When there are more debts than assets, that means creditors have a larger stake Hong Leong Bank Bhd than its shareholders.

How to use debt to asset ratio

Lower is better.
below 1 (100%) is considered healthy (always use industry average).
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to asset ratio in their analysis

It shows how much debt the company used to finance its assets. If a company is almost entirely financed with debt that means the company might get into serious trouble when emergencies arise like a raise in interest.

The three steps every investor should look at:

What is the current debt to asset ratio?
The current most recent quarter (MRQ) Debt to Asset Ratio of Hong Leong Bank Bhd is 0.88. This means means that Hong Leong Bank Bhd is financed with 87.9% credit and the remaining percentage is financed by it's owners (shareholders).
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks industry is 60.2%.
What is the trend?
The trend is important because it shows you how Hong Leong Bank Bhd is performing over time. The most recent quarter might be important if Hong Leong Bank Bhd released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Hong Leong Bank Bhd up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Some companies can have higher debt to assets ratio's (for example, banks).
Debt to asset ratio should improve over the years.
If the debt to asset ratio is above 1, look at the industry mean and find out why Hong Leong Bank Bhd has so much debt.

How to calculate debt to asset ratio

Debt to asset ratio = total debt \ total assets

Real life example Hong Leong Bank Bhd

You need the following data to determine debt to asset ratio:

Balance sheet
Debt to asset ratio = total debt \ total assets
221,520,776 \ 251,881,706 = 87.9% or 0.88.

The debt to total assets ratio shows if the company is owned by creditors or shareholders. Or in other words, the total debt in relation to the total amount of assets. It shows how much debt the company used to finance its assets.

1.4.2. Debt to Equity Ratio

Measures if Hong Leong Bank Bhd is able to pay off its debts by using shareholders equity.

Below 2 is considered healthy but always compare Hong Leong Bank Bhd to the Banks industry mean.
A Debt to Equity ratio of 729.6% means that company has RM7.30 debt for each RM1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Hong Leong Bank Bhd:

The MRQ is 7.296. The company is unable to pay all its debts with equity. -1
The TTM is 7.180. The company is unable to pay all its debts with equity. -1

Trends

Current period		Compared to		+/-
MRQ	7.296	TTM	7.180	+0.116
TTM	7.180	YOY	7.107	+0.073
TTM	7.180	5Y	7.290	-0.109
5Y	7.290	10Y	8.687	-1.398

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
MRQ	7.296	11.450	-4.154
TTM	7.180	10.963	-3.783
YOY	7.107	10.590	-3.483
5Y	7.290	10.849	-3.559
10Y	8.687	9.744	-1.057

Measures if Hong Leong Bank Bhd is able to pay off its debts by using shareholders equity.

How to use debt to equity ratio

Lower is better.
Below 2 is considered healthy (always use industry average).
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to shareholders equity ratio in their analysis

It shows how much debt the company uses to finance their operations. Shareholders equity is whats left over when you subtract total liabilities from total assets. It's another way to meassure how much of Hong Leong Bank Bhd is financed with debt or own resources.

The three steps every investor should look at:

What is the current debt to equity ratio?
The current most recent quarter (MRQ) quickRatio of Hong Leong Bank Bhd is 7.30. This means that Hong Leong Bank Bhd can pay off RM7.30 for each RM1 in debt.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks industry is 11.45.
What is the trend?
The trend is important because it shows you how Hong Leong Bank Bhd is performing over time. The most recent quarter might be important if Hong Leong Bank Bhd released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Hong Leong Bank Bhd up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Not all debt is equally risky (for example, short term risk is less risky).

How to calculate debt to equity ratio

Debt to equity ratio = total debt \ shareholders equity.

Real life example Hong Leong Bank Bhd

You need the following data to determine equity ratio:

Balance sheet
Debt to equity ratio = total debt \ shareholders equity
221,520,776 \ 30,360,930 = 7.30 or 729.6%

Debt to equity measures the total debt versus the total shareholders equity. While the total debts to total assets ratio uses total assets, the debt to equity ratio looks at the total equity of shareholders. Where equity of shareholders are:

Common shares.
Preferred shares.
Retained earnings.

You can find the shareholders' equity in the balance sheet. A ratio between 0,5 and 1,5 is preferred. If the ratio is above 1.5, that would indicate creditors have significantly more stake (debt) in the company than the shareholders. In other words, the company is using a lot of debt to finance their operations.

Not all debt is equally risky. Meaning you can adjust the ratio by including or excluding certain amounts of debt. Short term debts are less risky because they have to be paid back within one year anyway. It’s much easier to plan one year ahead versus five or ten years.

2. Market Valuation of Hong Leong Bank Bhd

2. Earnings

2.1. Price to Earnings Ratio

Measures how much money you pays for each share for every $1 in earnings Hong Leong Bank Bhd generates.

Above 15 is considered overpriced but always compare Hong Leong Bank Bhd to the Banks industry mean.
A PE ratio of 13.48 means the investor is paying RM13.48 for every RM1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Hong Leong Bank Bhd:

The EOD is 13.756. Good. +1
The MRQ is 13.475. Good. +1
The TTM is 13.073. Good. +1

Trends

Current period		Compared to		+/-
EOD	13.756	MRQ	13.475	+0.280
MRQ	13.475	TTM	13.073	+0.402
TTM	13.073	YOY	13.139	-0.065
TTM	13.073	5Y	13.827	-0.754
5Y	13.827	10Y	12.604	+1.224

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
EOD	13.756	9.822	+3.934
MRQ	13.475	11.304	+2.171
TTM	13.073	9.367	+3.706
YOY	13.139	9.009	+4.130
5Y	13.827	9.599	+4.228
10Y	12.604	8.231	+4.373

Measures how much money the investor pays for each share for every $1 in earnings Hong Leong Bank Bhd generates.

Indicates if the company’s shares are under or overvalued.

How to use PE ratio

Above 15 is considered overpriced but is hard to determine. Always compare Hong Leong Bank Bhd to the Banks industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use PE ratio in their analysis

The PE ratio tells investors the current sentiment in the market for that company. As with every stock, the stock price never shows the real valuation of a company but rather how the market thinks how much the stock is worth.

In other words, the current stock price also incorporates any future earnings or business opportunities in the future. The best example is the stock market crash in 2000. The PE ratio for any internet based company was going through the roof. Only based on the general assumption the internet and all associated businesses would thrive in the future. But this was based on nothing. A business still needs a good product or service to be able to survive. Instead, every investor bought any stock which did something related to the internet.

Many investors were willing to pay premium prices and that was causing the PE ratio to rise. A high PE ratio is a warning sign that investors might be overvaluing a stock based on future earnings.

The three steps every investor should look at:

What is the current PE Ratio?
The current most recent quarter (MRQ) PE Ratio of Hong Leong Bank Bhd is 13.48. This means the investor is paying RM13.48 for every RM1 in earnings.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks industry is 11.30.
What is the trend?
The trend is important because it shows you how Hong Leong Bank Bhd is performing over time. The most recent quarter might be important if Hong Leong Bank Bhd released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Hong Leong Bank Bhd up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Some industries might have very high or very low PE ratios in general.
PE ratios can be high for several years, it does not mean a sudden collapse is imminent.
Earnings growth is not included in the PE ratio.

How to calculate PE ratio

PE ratio = market value per share \ earnings per share

Real life example Hong Leong Bank Bhd

You need the following data to determine the PE ratio:

Balance sheet
Income statement

The PE ratio is a very commonly used ratio to determine the value of a company by comparing the current stock price relative to its earnings per share (EPS). Before we can calculate the PE ratio we need to know the EPS. EPS is calculated as follows:

EPS = (net profit - preferred dividends) \ end of period outstanding shares*
Net profit = revenue - expenses
784,798 \ 2,049,235 = 13.48

* The net profit minus preferred dividends can be found in the incomestatement as netIncomeApplicableToCommonShares.

The PE value helps investors to determine if the current stock price is under or overvalued. It also projects future growth.

In general, a higher PE ratio means that investors predict higher future growth. If the PE ratio is too high, then investors expect way too much future growth the company can never fulfil. This is most likely to happen in faster moving companies like tech companies or automobile companies like Tesla. These are hot and booming markets where investors expect much future growth driven by new technology (electric cars). When looking at the current MRQ (most recent quarter) PE ratio of Tesla ( jan. 2021) it's about 247 while the average in the industry is only 6. That might be a clue that Tesla is trading for way too high prices compared to their current assets and is more based on future growth.

2.2. Price Earnings to Growth Ratio

Measures the predicted future growth of Hong Leong Bank Bhd.

Lower is better
A PEG ratio of 1 means the investor is paying a fair price for the stock

Let's take a look of the Price Earnings to Growth Ratio trends of Hong Leong Bank Bhd:

The MRQ is 1.124. Seems overpriced? -1
The TTM is 0.831. Good. +1

Trends

Current period		Compared to		+/-
MRQ	1.124	TTM	0.831	+0.293
TTM	0.831	YOY	-1.338	+2.169
TTM	0.831	5Y	0.854	-0.022
5Y	0.854	10Y	1.970	-1.116

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
MRQ	1.124	0.015	+1.109
TTM	0.831	0.004	+0.827
YOY	-1.338	-0.041	-1.297
5Y	0.854	0.007	+0.847
10Y	1.970	0.013	+1.957

PEG Ratio	Meaning
0.5	You can buy the stock cheap
1	You pay a fair price
2.5	The stock is overpriced

2. Books

2.3. Price to Book Ratio

Measures if the stock price of Hong Leong Bank Bhd is to cheap or to expensive compared to its book value.

At or below 1 is considered healthy (always compare to Banks industry mean).
A PB ratio of 1.36 means the investor is paying RM1.36 for each RM1 in book value.

Let's take a look of the Price to Book Ratio trends of Hong Leong Bank Bhd:

The EOD is 1.392. Good. +1
The MRQ is 1.363. Good. +1
The TTM is 1.312. Good. +1

Trends

Current period		Compared to		+/-
EOD	1.392	MRQ	1.363	+0.028
MRQ	1.363	TTM	1.312	+0.051
TTM	1.312	YOY	1.204	+0.109
TTM	1.312	5Y	1.396	-0.083
5Y	1.396	10Y	1.515	-0.120

Compared to industry (Banks)

Period	Company	Industry (mean)	+/-
EOD	1.392	0.808	+0.584
MRQ	1.363	0.844	+0.519
TTM	1.312	0.814	+0.498
YOY	1.204	0.712	+0.492
5Y	1.396	0.805	+0.591
10Y	1.515	0.791	+0.724

Measures if the stock price of Hong Leong Bank Bhd is to cheap or to expensive compared to its [abbr name=book value&text=What the company is worth when you subtract total liabilities from total assets).

The book value of a company is what remains when you subtract total liabilities from total assets. This can also become negative which means the company has more debts than assets.

The price to book ratio shows the investor if the stock is under or overvalued. A high price to book ratio means that the investor is paying more for a share than the company has in total assets.

How to use PB ratio

A PB ratio of 3 means the investor is paying $3 for each $1 in book value.

Lower is better
At or below 1 is considered healthy
Can be very different between industries
Can be used to compare companies

Why do investors use PB ratio in their analysis

Helps investors to determine if the current stock price is under or overvalued. A low PB ratio means the company’s stock is trading for less than the leftover of total assets - total liabilities. PB ratios can also turn negative which means the company might be in serious financial trouble. In other words, the company has more liabilities than assets.

Things to be aware of

Only compare with other companies in the same industry
Negative PB ratio means that the company might be in serious financial trouble
A higher PB ratio than 1 also means that you are last in line (shareholders get paid last when a company defaults) when the company goes bankrupt for whatever reason.

How to calculate price to book ratio

Calculate the book value: total assets - total liabilities
Calculate book value per share: book value / total outstanding shares
Price to book ratio = share price / book value per share

Real life example

You need the following data to determine Price to book ratio:

Balance sheet
Current stock price
Key performance indicators

1. Calculate the book value: total assets - total liabilities:

Book value = $68,513,000 - $30,855,000 = $37,658,000

2. Calculate book value per share:

Book value per share = $37,658,000 / total outstanding shares (can be found in the latest balance sheet):

Book value per share = $37,658,000 / 3,465,000 = $10.868

3. Price to book ratio = share price / $10.868:

MRQ (most recent quarter) PB ratio = $673.420 / $10.868 = $61,96

The price to book ratio is another way to determine if a stock is under or overvalued. The PB ratio is used to compare the current stock price to its book value. In other words, the PB ratio is used to compare all the assets minus liabilities in relation to the stock price.

If the PB ratio is greater than 1 that means the stock is trading for a higher price than the intrinsic value of the company. Meaning, you pay more than what the company is worth. Although future growth is hard to measure. A higher PB ratio than 1 also means that you are last in line (shareholders get paid last when a company defaults) when the company goes bankrupt for whatever reason.

Book value is limited for companies that offer services because there are not many tangible assets on the balance sheet compared to large manufacturing companies. It also does not take brand names, patents and other things in consideration.

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Hong Leong Bank Bhd compared to the Most Recent Quarter (MRQ).

	End of day	+/-	Most Recent Quarter	Trailing 12 Months	+/-	Year-Over-Year	+/-	5 Year	+/-	10 Year	+/-
Book Value Per Share	-	-	14.816	14.560	+2%	13.690	+8%	12.830	+15%	10.779	+37%
Book Value Per Share Growth	-	-	0.142	0.219	-35%	0.265	-46%	0.201	-29%	0.210	-32%
Current Ratio	-	-	-	-	0%	-	0%	-	0%	0.025	-100%
Debt To Asset Ratio	-	-	0.879	0.878	+0%	0.877	+0%	0.879	+0%	0.894	-2%
Debt To Equity Ratio	-	-	7.296	7.180	+2%	7.107	+3%	7.290	+0%	8.687	-16%
Dividend Per Share	-	-	0.180	0.220	-18%	0.212	-15%	0.151	+19%	0.094	+92%
Eps	-	-	0.383	0.375	+2%	0.335	+14%	0.330	+16%	0.302	+27%
Eps Growth	-	-	11.988	16.658	-28%	-2.305	+119%	7.001	+71%	4.580	+162%
Gains Per Share	-	-	0.322	0.438	-27%	0.477	-33%	0.352	-9%	0.303	+6%
Gross Profit Margin	-	-	0.938	0.947	-1%	0.952	-1%	0.940	0%	0.937	+0%
Net Profit Margin	-	-	0.588	0.571	+3%	0.518	+13%	0.548	+7%	0.523	+13%
Operating Margin	-	-	1.133	1.088	+4%	1.079	+5%	1.301	-13%	1.258	-10%
Operating Ratio	-	-	0.379	0.375	+1%	0.385	-2%	0.413	-8%	0.435	-13%
Pb Ratio	1.392	+2%	1.363	1.312	+4%	1.204	+13%	1.396	-2%	1.515	-10%
Pe Ratio	13.756	+2%	13.475	13.073	+3%	13.139	+3%	13.827	-3%	12.604	+7%
Peg Ratio	-	-	1.124	0.831	+35%	-1.338	+219%	0.854	+32%	1.970	-43%
Price Per Share	20.620	+2%	20.200	19.110	+6%	16.505	+22%	17.769	+14%	15.764	+28%
Quick Ratio	-	-	-	-	0%	-	0%	-	0%	0.016	-100%
Return On Assets	-	-	0.003	0.003	-1%	0.003	+3%	0.003	-9%	0.003	-2%
Return On Equity	-	-	0.026	0.026	+0%	0.024	+6%	0.029	-9%	0.030	-15%
	EOD	+0 -3	MRQ	TTM	+5 -13	YOY	+8 -10	5Y	+8 -10	10Y	+12 -8

3.2. Fundamental Score

Let's check the fundamental score of Hong Leong Bank Bhd based on Penke's default stock scanner.

Penke's Stock Scanner

Indicator	Condition		Value
Price to Earnings Ratio (EOD)	Between	0-15	13.756
Price to Book Ratio (EOD)	Between	0-1	1.392
Net Profit Margin (MRQ)	Greater than	0	0.588
Operating Margin (MRQ)	Greater than	0	1.133
Quick Ratio (MRQ)	Greater than	1	0.000
Current Ratio (MRQ)	Greater than	1	0.000
Debt to Asset Ratio (MRQ)	Less than	1	0.879
Debt to Equity Ratio (MRQ)	Less than	1	7.296
Return on Equity (MRQ)	Greater than	0.15	0.026
Return on Assets (MRQ)	Greater than	0.05	0.003
Total			4/10 (40.0%)

Create your own Stock Scanner

Investing is personal. The best investors buy stocks based on their own analysis. Create your personal Stock Scanner with the key performance indicators that are important to you.
Create your own Stock Scanner

3.3. Technical Score

Let's check the technical score of Hong Leong Bank Bhd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	48.956
Ma 20	Greater than	Ma 50	20.688
Ma 50	Greater than	Ma 100	20.756
Ma 100	Greater than	Ma 200	20.709
Open	Greater than	Close	20.440
Total			2/5 (40.0%)

Create your own Symbol Scanner

Trading is personal. The best traders buy and sell based on their own technical analysis. Create your personal Symbol Scanner with the technical indicators that are important to you.
Create your own Symbol Scanner

Latest Balance Sheet

Balance Sheet of 2022-03-31. Currency in MYR. All numbers in thousands.

Summary

Total Assets	251,881,706
Total Liabilities	221,520,776
Total Stockholder Equity	30,360,930

	As reported
Total Liabilities	221,520,776
Total Stockholder Equity	+ 30,360,930
Total Assets	= 251,881,706

Assets

Total Assets	251,881,706
Total Current Assets	-
Long-term Assets	-

Total Current Assets

Total Current Assets (as reported)	0
Cash And Cash Equivalents	9,793,935
Net Receivables	3,284,733
Total Current Assets (calculated)	13,078,668
+/-	13,078,668

Long-term Assets

Long-term Assets (as reported)	78,013,689
Property Plant Equipment	1,312,584
Goodwill	1,831,312
Long Term Investments	74,572,876
Intangible Assets	296,917
Long-term Assets (calculated)	78,013,689
+/-	0

Liabilities & Shareholders' Equity

Total Current Liabilities	-
Long-term Liabilities	2,680,278
Total Stockholder Equity	30,360,930

Total Current Liabilities

Total Current Liabilities (as reported)	0
Accounts payable	258,909
Total Current Liabilities (calculated)	258,909
+/-	258,909

Long-term Liabilities

Long-term Liabilities (as reported)	2,680,278
Long term Debt Total	3,982,426
Long-term Liabilities (calculated)	3,982,426
+/-	1,302,148

Total Stockholder Equity

Total Stockholder Equity (as reported)	30,360,930
Common Stock	7,739,063
Other Stockholders Equity	22,621,867
Total Stockholder Equity (calculated)	30,360,930
+/-	0

Other

Capital Stock	7,739,063
Cash and Short Term Investments	9,793,935
Common Stock Shares Outstanding	2,049,235
Liabilities and Stockholders Equity	251,881,706
Net Debt	-7,113,657
Net Invested Capital	32,856,679
Short Long Term Debt Total	2,680,278

Balance Sheet

Currency in MYR. All numbers in thousands.

Trend

2022-03-31

2021-12-31

2021-09-30

2021-06-30

2021-03-31

2020-12-31

2020-09-30

2020-06-30

2020-03-31

2019-12-31

2019-09-30

2019-06-30

2019-03-31

2018-12-31

2018-09-30

2018-06-30

2018-03-31

2017-12-31

2017-09-30

2017-06-30

2017-03-31

2016-12-31

2016-09-30

2016-06-30

2016-03-31

2015-12-31

2015-09-30

2015-06-30

2015-03-31

2014-12-31

2014-09-30

2014-06-30

2014-03-31

2013-12-31

2013-09-30

2013-06-30

2013-03-31

2012-12-31

2012-09-30

2012-06-30

2012-03-31

2011-12-31

> Total Assets

153,802,017
156,712,248
157,787,262
155,638,626
154,283,115
157,764,793
163,585,697
162,424,256
165,436,619
166,018,130
170,350,803
178,319,260
176,982,877
179,820,211
184,019,735
187,151,057
187,780,168
188,582,339
189,828,215
188,737,865
191,690,945
195,007,830
195,552,522
196,994,982
202,152,257
197,284,936
202,890,773
207,605,380
212,002,981
206,147,166
207,369,415
206,774,379
212,679,410
216,715,109
221,277,917
225,631,955
228,423,409
233,629,016
237,129,240
242,354,751
244,806,182
251,881,706

251,881,706

244,806,182

242,354,751

237,129,240

233,629,016

228,423,409

225,631,955

221,277,917

216,715,109

212,679,410

206,774,379

207,369,415

206,147,166

212,002,981

207,605,380

202,890,773

197,284,936

202,152,257

196,994,982

195,552,522

195,007,830

191,690,945

188,737,865

189,828,215

188,582,339

187,780,168

187,151,057

184,019,735

179,820,211

176,982,877

178,319,260

170,350,803

166,018,130

165,436,619

162,424,256

163,585,697

157,764,793

154,283,115

155,638,626

157,787,262

156,712,248

153,802,017

> Total Current Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
43,073,000
39,258,000
38,717,000
36,077,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
159,781,555
160,787,130
164,053,455
167,052,468
0

167,052,468

164,053,455

160,787,130

159,781,555

36,077,000

38,717,000

39,258,000

43,073,000

Cash And Cash Equivalents

31,568,048
31,384,348
27,533,282
21,372,500
18,666,903
24,427,671
27,408,727
23,915,256
23,037,181
20,153,814
21,903,707
21,069,884
14,009,146
14,668,097
13,688,594
13,474,057
12,773,743
13,320,301
13,827,434
10,202,194
11,912,538
13,011,695
15,388,283
13,131,517
16,791,816
14,822,056
13,581,367
14,486,049
15,560,563
11,560,718
10,735,705
13,496,422
13,981,949
7,940,851
10,032,668
5,555,795
7,631,643
5,757,927
4,446,562
7,658,014
7,138,454
9,793,935

9,793,935

7,138,454

7,658,014

4,446,562

5,757,927

7,631,643

5,555,795

10,032,668

7,940,851

13,981,949

13,496,422

10,735,705

11,560,718

15,560,563

14,486,049

13,581,367

14,822,056

16,791,816

13,131,517

15,388,283

13,011,695

11,912,538

10,202,194

13,827,434

13,320,301

12,773,743

13,474,057

13,688,594

14,668,097

14,009,146

21,069,884

21,903,707

20,153,814

23,037,181

23,915,256

27,408,727

24,427,671

18,666,903

21,372,500

27,533,282

31,384,348

31,568,048

Short-term Investments

0
0
0
0
0
0
0
0
0
0
0
0
0
0
16,145,000
10,564,000
5,875,000
5,041,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

5,041,000

5,875,000

10,564,000

16,145,000

Net Receivables

0
0
0
0
0
2,691,508
2,488,199
2,248,018
2,234,845
2,006,297
1,909,635
2,778,364
2,308,595
3,134,406
2,274,540
2,076,292
1,864,247
2,475,601
2,534,718
2,264,922
1,866,759
2,560,403
2,149,737
1,702,900
1,756,013
2,321,167
1,794,278
2,289,656
1,769,740
2,229,137
2,356,489
1,882,588
2,061,457
2,346,789
5,310,111
4,660,920
1,866,510
3,464,607
2,965,516
4,062,031
2,761,468
3,284,733

3,284,733

2,761,468

4,062,031

2,965,516

3,464,607

1,866,510

4,660,920

5,310,111

2,346,789

2,061,457

1,882,588

2,356,489

2,229,137

1,769,740

2,289,656

1,794,278

2,321,167

1,756,013

1,702,900

2,149,737

2,560,403

1,866,759

2,264,922

2,534,718

2,475,601

1,864,247

2,076,292

2,274,540

3,134,406

2,308,595

2,778,364

1,909,635

2,006,297

2,234,845

2,248,018

2,488,199

2,691,508

Other Current Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
11,355,000
12,106,000
12,117,000
11,303,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
150,559,021
153,375,052
152,333,410
157,152,546
0

157,152,546

152,333,410

153,375,052

150,559,021

11,303,000

12,117,000

12,106,000

11,355,000

> Long-term Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
73,847,461
76,342,110
78,301,296
77,753,714
78,013,689

78,013,689

77,753,714

78,301,296

76,342,110

73,847,461

Property Plant Equipment

761,633
789,770
727,096
737,094
739,153
736,639
737,535
757,587
768,091
722,225
725,585
749,366
780,014
817,048
678,579
682,515
729,260
748,070
1,382,459
1,408,665
1,414,555
1,430,528
1,423,097
1,426,032
1,429,210
1,419,167
1,414,975
1,415,756
1,411,381
1,407,691
1,382,572
1,672,728
1,593,643
1,572,688
1,553,020
1,513,802
1,471,807
1,450,379
1,412,514
1,372,989
1,354,087
1,312,584

1,312,584

1,354,087

1,372,989

1,412,514

1,450,379

1,471,807

1,513,802

1,553,020

1,572,688

1,593,643

1,672,728

1,382,572

1,407,691

1,411,381

1,415,756

1,414,975

1,419,167

1,429,210

1,426,032

1,423,097

1,430,528

1,414,555

1,408,665

1,382,459

748,070

729,260

682,515

678,579

817,048

780,014

749,366

725,585

722,225

768,091

757,587

737,535

736,639

739,153

737,094

727,096

789,770

761,633

Goodwill

1,360,174
1,360,174
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312
1,831,312

1,831,312

1,360,174

Long Term Investments

0
0
0
0
0
0
0
0
0
0
0
0
0
0
29,977,000
37,108,000
36,675,000
39,205,000
0
0
0
0
0
0
0
0
0
0
0
0
0
51,329,094
54,003,882
62,233,762
61,231,082
67,607,489
67,488,600
70,356,578
72,855,967
74,844,870
74,296,614
74,572,876

74,572,876

74,296,614

74,844,870

72,855,967

70,356,578

67,488,600

67,607,489

61,231,082

62,233,762

54,003,882

51,329,094

39,205,000

36,675,000

37,108,000

29,977,000

Intangible Assets

112,018
117,896
446,497
424,115
404,225
381,756
369,415
362,690
334,262
368,869
347,791
332,822
336,870
330,078
318,107
309,569
300,637
281,779
264,766
250,155
236,019
222,185
213,323
195,675
178,749
161,147
152,541
145,420
133,286
122,395
125,225
117,250
163,681
181,654
187,505
204,124
207,365
209,192
242,317
252,125
271,701
296,917

296,917

271,701

252,125

242,317

209,192

207,365

204,124

187,505

181,654

163,681

117,250

125,225

122,395

133,286

145,420

152,541

161,147

178,749

195,675

213,323

222,185

236,019

250,155

264,766

281,779

300,637

309,569

318,107

330,078

336,870

332,822

347,791

368,869

334,262

362,690

369,415

381,756

404,225

424,115

446,497

117,896

112,018

Earning Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
53,560,713
51,670,471
47,197,189
49,698,302
57,610,022
56,586,555
62,766,356
62,464,395
64,990,559
67,354,425
69,089,913
68,319,139
0

68,319,139

69,089,913

67,354,425

64,990,559

62,464,395

62,766,356

56,586,555

57,610,022

49,698,302

47,197,189

51,670,471

53,560,713

> Total Liabilities

143,222,558
145,801,057
146,367,951
143,434,303
141,920,205
145,129,574
150,549,073
148,801,009
151,698,564
152,035,022
155,820,625
163,169,949
161,692,257
164,214,870
167,230,143
169,399,785
167,384,010
168,157,856
168,711,068
166,899,058
169,869,794
172,909,859
172,867,109
173,679,154
178,955,174
173,937,321
178,998,514
183,248,823
187,544,113
181,240,745
181,895,028
180,705,753
186,625,254
190,342,068
194,043,618
197,562,039
200,161,543
205,080,942
207,670,126
212,921,074
214,739,971
221,520,776

221,520,776

214,739,971

212,921,074

207,670,126

205,080,942

200,161,543

197,562,039

194,043,618

190,342,068

186,625,254

180,705,753

181,895,028

181,240,745

187,544,113

183,248,823

178,998,514

173,937,321

178,955,174

173,679,154

172,867,109

172,909,859

169,869,794

166,899,058

168,711,068

168,157,856

167,384,010

169,399,785

167,230,143

164,214,870

161,692,257

163,169,949

155,820,625

152,035,022

151,698,564

148,801,009

150,549,073

145,129,574

141,920,205

143,434,303

146,367,951

145,801,057

143,222,558

> Total Current Liabilities

0
0
0
0
0
0
0
0
0
0
0
0
0
0
159,692,000
158,651,000
159,633,000
159,251,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

159,251,000

159,633,000

158,651,000

159,692,000

Short-term Debt

0
0
0
0
0
0
0
0
0
0
0
0
0
0
16,095,000
17,851,000
15,891,000
14,228,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

14,228,000

15,891,000

17,851,000

16,095,000

Short Long Term Debt

0
0
0
0
0
0
0
0
0
0
0
0
0
0
16,095,000
17,851,000
15,891,000
14,228,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

14,228,000

15,891,000

17,851,000

16,095,000

Accounts payable

496,992
470,810
486,091
553,409
669,574
0
0
0
0
0
0
0
0
0
147,372,000
149,273,000
149,731,000
152,410,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
50,945
326,753
357,813
314,577
258,909

258,909

314,577

357,813

326,753

50,945

152,410,000

149,731,000

149,273,000

147,372,000

669,574

553,409

486,091

470,810

496,992

Other Current Liabilities

0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,473,000
904,000
537,000
269,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

269,000

537,000

904,000

2,473,000

> Long-term Liabilities

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,743,047
2,708,133
2,695,039
2,661,245
2,680,278

2,680,278

2,661,245

2,695,039

2,708,133

2,743,047

Long term Debt Total

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4,495,889
3,074,384
3,052,602
3,630,802
3,629,872
0
3,601,107
3,571,290
3,577,350
3,552,330
3,853,536
3,834,304
3,982,426

3,982,426

3,834,304

3,853,536

3,552,330

3,577,350

3,571,290

3,601,107

3,629,872

3,630,802

3,052,602

3,074,384

4,495,889

> Total Stockholder Equity

10,579,459
10,911,191
11,419,311
12,204,323
12,362,910
12,635,219
13,036,624
13,623,247
13,738,055
13,983,108
14,530,178
15,149,311
15,290,620
15,605,341
16,789,592
17,751,272
20,396,158
20,424,483
21,117,147
21,838,807
21,821,151
22,097,971
22,685,413
23,315,828
23,197,083
23,347,615
23,892,259
24,356,557
24,458,868
24,906,421
25,474,387
26,068,626
26,054,156
26,373,041
27,234,299
28,069,916
28,261,866
28,548,074
29,459,114
29,433,677
30,066,211
30,360,930

30,360,930

30,066,211

29,433,677

29,459,114

28,548,074

28,261,866

28,069,916

27,234,299

26,373,041

26,054,156

26,068,626

25,474,387

24,906,421

24,458,868

24,356,557

23,892,259

23,347,615

23,197,083

23,315,828

22,685,413

22,097,971

21,821,151

21,838,807

21,117,147

20,424,483

20,396,158

17,751,272

16,789,592

15,605,341

15,290,620

15,149,311

14,530,178

13,983,108

13,738,055

13,623,247

13,036,624

12,635,219

12,362,910

12,204,323

11,419,311

10,911,191

10,579,459

Common Stock

1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
1,879,909
2,167,718
2,167,718
2,167,718
2,167,718
2,167,718
2,167,718
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063
7,739,063

7,739,063

2,167,718

1,879,909

Retained Earnings Total Equity

Accumulated Other Comprehensive Income

Capital Surplus

Treasury Stock

-714,520

-717,693

-719,030

-719,458

-721,610

-723,344

-727,277

-727,817

-729,361

Other Stockholders Equity

8,699,550
9,031,282
9,539,402
10,324,414
10,483,001
4,593,289
4,959,343
5,140,170
5,258,133
5,379,474
5,461,165
5,646,092
5,836,509
6,239,076
7,090,169
7,706,658
10,308,247
10,276,927
10,537,064
10,743,086
10,763,332
10,781,481
1,385,768
1,349,726
1,186,925
15,608,552
16,153,196
16,617,494
16,719,805
17,167,358
1,048,912
18,329,563
18,315,093
18,633,978
1,322,430
20,330,853
20,522,803
20,809,011
968,675
21,694,614
22,327,148
22,621,867

22,621,867

22,327,148

21,694,614

968,675

20,809,011

20,522,803

20,330,853

1,322,430

18,633,978

18,315,093

18,329,563

1,048,912

17,167,358

16,719,805

16,617,494

16,153,196

15,608,552

1,186,925

1,349,726

1,385,768

10,781,481

10,763,332

10,743,086

10,537,064

10,276,927

10,308,247

7,706,658

7,090,169

6,239,076

5,836,509

5,646,092

5,461,165

5,379,474

5,258,133

5,140,170

4,959,343

4,593,289

10,483,001

10,324,414

9,539,402

9,031,282

8,699,550

Balance Sheet

Currency in MYR. All numbers in thousands.

	2021-06-30	2020-06-30	2019-06-30	2018-06-30	2017-06-30	2016-06-30	2015-06-30	2014-06-30	2013-06-30	2012-06-30	2011-06-30	2010-06-30	2009-06-30	2008-06-30	2007-06-30	2006-06-30	2005-06-30
Accounts Payable	326,753	306,800	175,507	531,979	-	-	147,372,000	137,364,000	135,204,000	486,091	-	-	-	-	566,251	546,209	568,895
Capital Stock	7,739,063	7,739,063	7,739,063	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Capital Surpluse	-	-	-	-	0	5,571,345	2,872,183	-	-	-	-	-	-	-	-	-	-
Cash	4,446,562	10,032,668	10,735,705	13,581,367	15,388,283	13,827,434	13,688,594	21,903,707	27,408,727	27,533,282	38,093,867	23,152,645	24,129,306	25,717,778	26,344,013	15,931,351	15,501,792
Cash And Short Term Investments	4,446,562	10,032,668	10,735,705	13,581,367	15,388,283	13,827,434	13,688,594	21,903,707	27,408,727	27,533,282	38,093,867	23,152,645	24,129,306	25,717,778	26,344,013	15,931,351	15,501,792
Common Stock	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	2,167,718	1,879,909	1,879,909	1,879,909	1,879,909	1,580,107	1,580,107	1,580,107	1,580,107	1,580,107	1,580,107	1,580,107
Common Stock Shares Outstanding	2,046,702	2,046,702	2,050,305	2,049,100	2,045,503	1,907,364	1,828,015	1,822,659	1,817,073	1,724,847	1,574,633	1,562,154	1,561,371	1,561,523	1,577,742	1,629,386	1,684,978
Earning Assets	67,354,425	56,586,555	51,670,471	53,185,267	47,656,838	48,033,646	50,974,861	-	-	-	-	-	-	-	-	-	-
Good Will	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,360,174	-	-	-	-	-	-
Intangible Assets	242,317	187,505	125,225	152,541	213,323	264,766	318,107	347,791	369,415	446,497	106,365	49,410	29,548	33,262	-	-	-
Inventory	-	-	-	-	-	-	1,000	1,000	1,000	1,000	-	-	-	-	-	-	-
Liabilities And Stockholders Equity	237,129,240	221,277,917	207,369,415	202,890,773	195,552,522	189,828,215	184,019,735	170,350,803	163,585,697	157,787,262	145,424,673	84,705,573	79,361,554	77,417,507	71,380,084	60,596,250	57,709,713
Long Term Debt	3,342,569	3,357,549	3,074,384	4,019,404	3,120,694	4,523,207	6,342,000	10,639,000	9,853,000	10,358,000	-	-	-	-	-	-	-
Long Term Debt Total	3,552,330	3,598,726	3,074,384	4,019,404	3,120,694	4,523,207	8,847,284	-	-	-	-	-	-	-	-	-	-
Long Term Investments	72,855,967	61,231,082	55,776,846	53,194,660	48,722,155	-	29,977,000	23,852,000	19,821,000	15,150,000	-	-	-	-	-	-	-
Net Debt	-1,738,429	-7,348,894	-7,521,889	-9,220,464	-9,663,828	-7,510,860	-2,940,343	-12,788,396	-18,358,239	-19,253,766	-30,101,709	-22,502,191	-23,399,740	-25,046,028	-25,162,506	-15,227,302	-15,501,792
Net Invested Capital	31,957,486	29,676,896	28,688,203	28,253,162	28,409,868	-	-	-	-	-	-	-	-	-	-	-	-
Net Receivables	2,965,516	5,310,111	2,356,489	1,794,278	2,149,737	2,534,718	2,274,540	1,909,635	2,488,199	540,000	-	394,000	-	-	-	-	-
Non Current Assets Total	76,342,110	64,802,919	59,115,955	56,593,488	-	-	-	-	-	-	-	-	-	-	-	-	-
Non Current Liabilities Total	2,708,133	2,683,774	3,213,816	4,360,903	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Assets	313,471,350	286,080,836	266,485,370	259,484,261	195,552,522	189,828,215	184,019,735	170,350,803	163,585,697	157,787,262	145,424,673	84,705,573	79,404,542	77,461,205	71,423,739	60,596,250	57,709,713
Other Current Assets	153,375,052	141,132,219	135,161,266	130,921,640	-	-	11,355,000	11,633,000	10,795,000	10,583,000	-	-	-	-	-	-	-
Other Current Liab	-	-	-	-	-	-	2,473,000	1,374,000	716,000	584,000	-	-	-	-	-	-	-
Other Stockholder Equity	968,675	1,322,430	1,048,912	16,153,196	1,385,768	10,537,064	7,090,169	5,461,165	4,959,343	9,539,402	1,901,784	4,843,916	4,153,757	3,509,433	3,034,945	2,800,802	2,821,889
Property Plant And Equipment Net	1,412,514	1,553,020	1,382,572	1,414,975	1,423,097	1,382,459	678,579	725,585	737,535	727,096	646,605	332,845	312,838	290,301	252,369	252,000	244,392
Property Plant Equipment	1,412,514	1,553,020	1,382,572	1,414,975	1,423,097	1,382,459	678,579	-	-	-	-	-	-	-	-	-	-
Retained Earnings	20,751,376	18,172,806	16,686,412	15,964,179	13,560,582	8,412,365	7,819,514	7,189,104	6,197,372	7,512,000	3,983,356	-	-	-	-	-	-
Short Long Term Debt	-	-	-	-	-	-	16,095,000	15,547,000	12,556,000	11,427,000	-	-	-	-	-	-	-
Short Long Term Debt Total	2,708,133	2,683,774	3,213,816	4,360,903	5,724,455	6,316,574	10,748,251	9,115,311	9,050,488	8,279,516	7,992,158	650,454	729,566	671,750	1,181,507	704,049	-
Short Term Debt	-	-	-	-	-	-	16,095,000	15,547,000	12,556,000	11,427,000	-	-	-	-	-	-	-
Short Term Investments	-	-	-	-	-	-	16,145,000	6,757,000	6,954,000	5,156,000	-	-	-	-	-	-	-
Total Assets	237,129,240	221,277,917	207,369,415	202,890,773	195,552,522	189,828,215	184,019,735	170,350,803	163,585,697	157,787,262	145,424,673	84,705,573	79,404,542	77,461,205	71,423,739	60,596,250	57,709,713
Total Current Assets	160,787,130	156,474,998	148,253,460	146,297,285	-	-	43,073,000	45,238,000	52,758,000	58,691,000	-	-	-	-	-	-	-
Total Current Liabilities	-	-	-	-	-	-	159,692,000	143,770,000	138,775,000	134,664,000	-	-	-	-	-	-	-
Total Liab	207,670,126	194,043,618	181,895,028	178,998,514	172,867,109	168,711,068	167,230,143	155,820,625	150,549,073	146,367,951	137,959,426	78,281,550	73,627,690	72,327,967	66,765,032	56,215,341	53,307,717
Total Stockholder Equity	29,459,114	27,234,299	25,474,387	23,892,259	22,685,413	21,117,147	16,789,592	14,530,178	13,036,624	11,419,311	7,465,247	6,424,023	5,733,864	5,089,540	4,615,052	4,380,909	4,401,996
Treasury Stock	-719,030	-723,344	-727,817	-732,267	-733,961	-735,040	-648,588	-	-	-	-	-	-	-	-	-	-

	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31
Accounts Payable	258,909	314,577	357,813	326,753	50,945	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	152,410,000	149,731,000	149,273,000	147,372,000	-	-	-	-	-	-	-	-	-	669,574	553,409	486,091	470,810	496,992
Capital Stock	7,739,063	7,739,063	7,739,063	7,739,063	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash	9,793,935	7,138,454	7,658,014	4,446,562	5,757,927	7,631,643	5,555,795	10,032,668	7,940,851	13,981,949	13,496,422	10,735,705	11,560,718	15,560,563	14,486,049	13,581,367	14,822,056	16,791,816	13,131,517	15,388,283	13,011,695	11,912,538	10,202,194	13,827,434	13,320,301	12,773,743	13,474,057	13,688,594	14,668,097	14,009,146	21,069,884	21,903,707	20,153,814	23,037,181	23,915,256	27,408,727	24,427,671	18,666,903	21,372,500	27,533,282	31,384,348	31,568,048
Cash And Short Term Investments	9,793,935	7,138,454	7,658,014	4,446,562	5,757,927	7,631,643	5,555,795	10,032,668	7,940,851	13,981,949	13,496,422	10,735,705	11,560,718	15,560,563	14,486,049	13,581,367	14,822,056	16,791,816	13,131,517	15,388,283	13,011,695	11,912,538	10,202,194	13,827,434	13,320,301	12,773,743	13,474,057	13,688,594	14,668,097	14,009,146	21,069,884	21,903,707	20,153,814	23,037,181	23,915,256	27,408,727	24,427,671	18,666,903	21,372,500	27,533,282	31,384,348	31,568,048
Common Stock	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	7,739,063	2,167,718	2,167,718	2,167,718	2,167,718	2,167,718	2,167,718	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909	1,879,909
Common Stock Shares Outstanding	2,049,235	2,048,955	2,049,325	2,047,305	2,047,670	2,047,635	2,047,589	2,046,589	2,047,145	2,047,988	2,048,311	2,045,881	2,050,408	2,053,225	2,052,273	2,045,626	2,048,394	2,048,415	2,046,151	2,045,470	2,046,021	2,045,454	2,045,454	1,861,669	1,861,669	1,770,776	1,945,127	1,827,633	1,827,633	1,826,885	1,824,849	1,821,860	1,822,563	1,822,787	1,822,462	1,814,361	1,818,293	1,818,995	1,817,539	1,688,377	1,698,390	1,638,884
Earning Assets	-	68,319,139	69,089,913	67,354,425	64,990,559	62,464,395	62,766,356	56,586,555	57,610,022	49,698,302	47,197,189	51,670,471	53,560,713	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Good Will	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,831,312	1,360,174	1,360,174
Intangible Assets	296,917	271,701	252,125	242,317	209,192	207,365	204,124	187,505	181,654	163,681	117,250	125,225	122,395	133,286	145,420	152,541	161,147	178,749	195,675	213,323	222,185	236,019	250,155	264,766	281,779	300,637	309,569	318,107	330,078	336,870	332,822	347,791	368,869	334,262	362,690	369,415	381,756	404,225	424,115	446,497	117,896	112,018
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,000	1,000	1,000	1,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Liabilities And Stockholders Equity	251,881,706	244,806,182	242,354,751	237,129,240	233,629,016	228,423,409	225,631,955	221,277,917	216,715,109	212,679,410	206,774,379	207,369,415	206,147,166	212,002,981	207,605,380	202,890,773	197,284,936	202,152,257	196,994,982	195,552,522	195,007,830	191,690,945	188,737,865	189,828,215	188,582,339	187,780,168	187,151,057	184,019,735	179,820,211	176,982,877	178,319,260	170,350,803	166,018,130	165,436,619	162,424,256	163,585,697	157,764,793	154,283,115	155,638,626	157,787,262	156,712,248	153,802,017
Long Term Debt	3,797,897	3,637,163	3,653,500	3,342,569	3,360,656	3,349,538	3,367,893	3,357,549	3,375,353	3,364,830	2,777,707	3,074,384	4,495,889	-	-	-	-	-	-	-	-	-	-	-	7,712,000	6,681,000	9,497,000	6,342,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt Total	3,982,426	3,834,304	3,853,536	3,552,330	3,577,350	3,571,290	3,601,107	-	3,629,872	3,630,802	3,052,602	3,074,384	4,495,889	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Investments	74,572,876	74,296,614	74,844,870	72,855,967	70,356,578	67,488,600	67,607,489	61,231,082	62,233,762	54,003,882	51,329,094	-	-	-	-	-	-	-	-	-	-	-	-	-	39,205,000	36,675,000	37,108,000	29,977,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Debt	-7,113,657	-4,477,209	-4,962,975	-1,738,429	-3,014,880	-4,948,343	-2,842,963	-7,348,894	-5,208,822	-11,235,566	-10,616,696	-7,521,889	-6,888,398	-11,250,290	-9,494,869	-9,220,464	-10,737,237	-13,121,397	-7,163,012	-9,663,828	-6,028,166	-5,070,790	-3,889,689	-7,510,860	-6,460,752	-4,545,993	-4,578,147	-2,940,343	-4,395,668	-4,729,847	-10,656,775	-12,788,396	-11,910,145	-13,890,832	-14,822,153	-18,358,239	-15,707,499	-10,470,540	-13,142,711	-19,253,766	-25,572,293	-25,689,879
Net Invested Capital	32,856,679	32,530,315	31,928,680	31,957,486	31,074,427	30,723,414	30,549,534	29,676,896	28,850,551	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Receivables	3,284,733	2,761,468	4,062,031	2,965,516	3,464,607	1,866,510	4,660,920	5,310,111	2,346,789	2,061,457	1,882,588	2,356,489	2,229,137	1,769,740	2,289,656	1,794,278	2,321,167	1,756,013	1,702,900	2,149,737	2,560,403	1,866,759	2,264,922	2,534,718	2,475,601	1,864,247	2,076,292	2,274,540	3,134,406	2,308,595	2,778,364	1,909,635	2,006,297	2,234,845	2,248,018	2,488,199	2,691,508	-	-	-	-	-
Non Current Assets Total	78,013,689	77,753,714	78,301,296	76,342,110	73,847,461	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Non Current Liabilities Total	2,680,278	2,661,245	2,695,039	2,708,133	2,743,047	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Assets	329,895,395	322,559,896	320,656,047	313,471,350	307,476,477	228,423,409	225,631,955	221,277,917	216,715,109	212,679,410	206,774,379	207,369,415	206,147,166	212,002,981	207,605,380	202,890,773	197,284,936	202,152,257	196,994,982	195,552,522	195,007,830	191,690,945	188,737,865	189,828,215	188,582,339	187,780,168	187,151,057	184,019,735	179,820,211	176,982,877	178,319,260	170,350,803	166,018,130	165,436,619	162,424,256	163,585,697	157,764,793	154,283,115	155,638,626	157,787,262	156,712,248	153,802,017
Other Current Assets	-	157,152,546	152,333,410	153,375,052	150,559,021	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11,303,000	12,117,000	12,106,000	11,355,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Current Liab	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	269,000	537,000	904,000	2,473,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Stockholder Equity	22,621,867	22,327,148	21,694,614	968,675	20,809,011	20,522,803	20,330,853	1,322,430	18,633,978	18,315,093	18,329,563	1,048,912	17,167,358	16,719,805	16,617,494	16,153,196	15,608,552	1,186,925	1,349,726	1,385,768	10,781,481	10,763,332	10,743,086	10,537,064	10,276,927	10,308,247	7,706,658	7,090,169	6,239,076	5,836,509	5,646,092	5,461,165	5,379,474	5,258,133	5,140,170	4,959,343	4,593,289	10,483,001	10,324,414	9,539,402	9,031,282	8,699,550
Property Plant And Equipment Net	1,312,584	1,354,087	1,372,989	1,412,514	1,450,379	1,471,807	1,513,802	1,553,020	1,572,688	1,593,643	1,672,728	1,382,572	1,407,691	1,411,381	1,415,756	1,414,975	1,419,167	1,429,210	1,426,032	1,423,097	1,430,528	1,414,555	1,408,665	1,382,459	748,070	729,260	682,515	678,579	817,048	780,014	749,366	725,585	722,225	768,091	757,587	737,535	736,639	739,153	737,094	727,096	789,770	761,633
Property Plant Equipment	1,312,584	1,354,087	1,372,989	1,412,514	1,450,379	1,471,807	1,513,802	1,553,020	1,572,688	1,593,643	1,672,728	1,382,572	1,407,691	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Retained Earnings	23,335,557	23,041,668	22,412,307	20,751,376	21,528,469	21,244,413	21,052,463	18,172,806	19,357,322	19,042,370	19,056,840	16,686,412	17,896,719	-	-	-	-	14,271,095	14,227,039	13,560,582	9,148,772	8,890,101	8,928,003	8,412,365	7,979,838	7,920,193	8,164,705	7,819,514	7,486,356	7,574,202	7,623,310	7,189,104	6,723,725	6,600,013	6,603,168	6,197,372	6,162,021	-	-	-	-	-
Short Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14,228,000	15,891,000	17,851,000	16,095,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Short Long Term Debt Total	2,680,278	2,661,245	2,695,039	2,708,133	2,743,047	2,683,300	2,712,832	2,683,774	2,732,029	2,746,383	2,879,726	3,213,816	4,672,320	4,310,273	4,991,180	4,360,903	4,084,819	3,670,419	5,968,505	5,724,455	6,983,529	6,841,748	6,312,505	6,316,574	6,859,549	8,227,750	8,895,910	10,748,251	10,272,429	9,279,299	10,413,109	9,115,311	8,243,669	9,146,349	9,093,103	9,050,488	8,720,172	8,196,363	8,229,789	8,279,516	5,812,055	5,878,169
Short Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14,228,000	15,891,000	17,851,000	16,095,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Short Term Investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,041,000	5,875,000	10,564,000	16,145,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Assets	251,881,706	244,806,182	242,354,751	237,129,240	233,629,016	228,423,409	225,631,955	221,277,917	216,715,109	212,679,410	206,774,379	207,369,415	206,147,166	212,002,981	207,605,380	202,890,773	197,284,936	202,152,257	196,994,982	195,552,522	195,007,830	191,690,945	188,737,865	189,828,215	188,582,339	187,780,168	187,151,057	184,019,735	179,820,211	176,982,877	178,319,260	170,350,803	166,018,130	165,436,619	162,424,256	163,585,697	157,764,793	154,283,115	155,638,626	157,787,262	156,712,248	153,802,017
Total Current Assets	-	167,052,468	164,053,455	160,787,130	159,781,555	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	36,077,000	38,717,000	39,258,000	43,073,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	159,251,000	159,633,000	158,651,000	159,692,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liab	221,520,776	214,739,971	212,921,074	207,670,126	205,080,942	200,161,543	197,562,039	194,043,618	190,342,068	186,625,254	180,705,753	181,895,028	181,240,745	187,544,113	183,248,823	178,998,514	173,937,321	178,955,174	173,679,154	172,867,109	172,909,859	169,869,794	166,899,058	168,711,068	168,157,856	167,384,010	169,399,785	167,230,143	164,214,870	161,692,257	163,169,949	155,820,625	152,035,022	151,698,564	148,801,009	150,549,073	145,129,574	141,920,205	143,434,303	146,367,951	145,801,057	143,222,558
Total Stockholder Equity	30,360,930	30,066,211	29,433,677	29,459,114	28,548,074	28,261,866	28,069,916	27,234,299	26,373,041	26,054,156	26,068,626	25,474,387	24,906,421	24,458,868	24,356,557	23,892,259	23,347,615	23,197,083	23,315,828	22,685,413	22,097,971	21,821,151	21,838,807	21,117,147	20,424,483	20,396,158	17,751,272	16,789,592	15,605,341	15,290,620	15,149,311	14,530,178	13,983,108	13,738,055	13,623,247	13,036,624	12,635,219	12,362,910	12,204,323	11,419,311	10,911,191	10,579,459
Treasury Stock	-	-714,520	-717,693	-719,030	-719,458	-721,610	-721,610	-723,344	-723,344	-727,277	-727,277	-727,817	-729,361	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Cash Flow

Currency in MYR. All numbers in thousands.

	2021-06-30	2020-06-30	2019-06-30	2018-06-30	2017-06-30	2016-06-30	2015-06-30	2014-06-30	2013-06-30	2012-06-30	2011-06-30	2010-06-30	2009-06-30	2008-06-30	2007-06-30	2006-06-30	2005-06-30
Begin Period Cash Flow	7,187,221	4,523,737	3,963,309	10,388,873	8,524,566	6,230,283	14,712,789	18,047,448	19,636,026	30,476,610	15,729,736	18,343,622	22,264,674	15,989,916	13,565,015	11,124,578	13,935,646
Capital Expenditures	145,044	208,617	133,931	136,026	177,657	358,076	232,829	190,200	145,438	293,676	122,476	116,859	79,767	108,588	89,620	66,228	65,937
Change In Cash	-3,712,403	2,663,484	560,428	-6,425,564	1,864,307	1,243,681	-8,482,506	-3,334,659	-1,588,578	-10,840,584	14,746,874	-2,661,536	-3,921,052	6,274,758	2,424,901	2,440,437	-2,811,068
Change In Working Capital	5,053,412	8,906,514	-2,240,199	-2,783,843	4,736,854	9,199,096	-5,573,503	2,419,837	1,582,412	-15,559,153	2,314,524	-2,513,091	-2,092,729	9,660,180	-79,050	5,016,354	-4,228,937
Change To Operating Activities	-	-	-	-	-	-	-19,014,000	-3,865,000	-7,599,000	-6,934,000	-	-	-	-	-	-	-
Depreciation	236,259	248,589	186,485	192,653	165,946	156,350	140,306	207,695	205,055	178,648	80,136	63,343	59,181	57,856	54,287	55,576	51,582
Dividends Paid	-712,086	-1,023,340	-982,056	-941,013	-838,658	-765,549	-724,770	-660,362	-552,613	-340,823	-261,518	-260,924	-260,823	-257,345	-256,413	-268,680	-271,809
End Period Cash Flow	3,474,818	7,187,221	4,523,737	3,963,309	10,388,873	7,473,964	6,230,283	14,712,789	18,047,448	19,636,026	30,476,610	15,682,086	18,343,622	22,264,674	15,989,916	13,565,015	11,124,578
Free Cash Flow	6,596,617	10,004,496	-1,454,665	-1,904,515	6,012,384	10,156,239	-3,845,627	3,886,620	3,154,615	-13,807,762	2,843,255	-2,058,645	-1,424,440	10,473,743	491,652	5,663,051	-3,642,541
Investments	-9,506,228	-6,661,171	3,934,152	-4,355,921	-1,681,351	-	-	-	-	-	-	-	-	-	-	-	-
Issuance Of Capital Stock	4,633	2,381	3,603	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Income	2,860,642	2,494,597	2,664,507	2,638,078	2,748,252	2,381,699	2,746,158	2,613,221	2,392,947	2,108,898	1,411,860	1,185,258	1,132,231	1,010,042	856,598	764,241	713,435
Other Cashflows From Financing Activities	-197,921	785,118	1,421,915	881,440	-168,529	-350,569	-369,247	536,987	-349,713	2,159,461	6,273,460	-24,070	-35,546	-48,782	457,645	668,960	1,310,225
Other Cashflows From Investing Activities	-9,361,184	-6,452,554	4,068,083	-4,099,292	-1,503,694	-6,044,069	-3,429,974	-	-	-	-	-	-	-	-	-	-
Other Non Cash Items	-1,422,336	-1,459,672	-1,949,243	-1,826,577	-1,471,282	-1,233,035	-925,759	-1,165,533	-878,741	-247,895	-848,395	-677,296	-453,658	-148,467	-250,563	-106,892	-112,684
Sale Purchase Of Stock	4,633	2,381	3,603	-	0	-26,517	-35,164	-29	-13	-22	-19	-17	-11	-3,930	-204,086	-215,433	-274,375
Total Cash From Financing Activities	-920,331	-935,891	-2,114,415	-189,951	-2,718,926	-3,056,699	-1,304,774	-514,304	-849,184	2,069,580	5,361,469	-285,011	-296,380	-827,482	42,146	184,847	-546,184
Total Cash From Operating Activities	6,741,661	10,213,113	-1,320,734	-1,768,489	6,190,041	10,514,315	-3,612,798	4,076,820	3,300,053	-13,514,086	2,965,731	-1,941,786	-1,344,673	10,582,331	581,272	5,729,279	-3,576,604
Total Cashflows From Investing Activities	-9,506,228	-6,661,171	3,934,152	-4,235,318	-1,681,351	-6,402,145	-3,663,000	-6,935,000	-4,037,000	548,000	-	-	-	-	-	-	-

	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31
Begin Period Cash Flow	6,417,345	6,910,490	3,474,818	3,938,283	4,942,043	4,280,681	7,187,221	6,728,611	8,511,260	8,026,203	4,523,737	4,895,372	6,738,139	5,695,326	3,963,309	5,603,506	8,815,439	6,407,012	10,388,873	7,530,048	6,160,803	5,657,363	7,473,964	8,770,085	7,046,248	5,352,887	6,230,283	7,024,559	7,135,535	11,176,720	14,712,789	12,001,255	14,704,792	16,805,837	18,047,448	18,115,005	12,999,032	14,775,156	19,636,026	21,099,845	25,698,294
Capital Expenditures	40,782	49,015	26,820	49,037	33,444	25,191	37,372	50,659	60,262	61,418	36,278	25,556	33,357	30,329	44,689	35,650	31,422	35,853	33,101	50,960	44,960	28,574	53,163	212,324	39,644	79,620	26,488	52,006	66,404	67,711	46,708	3,248	42,634	68,899	75,419	43,484	27,365	34,528	40,061	78,764	51,518
Change In Cash	1,200,016	-493,145	3,435,672	-463,465	-1,003,760	661,362	-2,906,540	458,610	-1,782,649	485,057	3,502,466	-371,635	-1,842,767	1,042,813	1,732,017	-1,640,197	-3,211,933	2,408,427	-3,981,861	2,858,825	1,369,245	503,440	-1,816,601	-1,296,121	1,723,837	1,693,361	-877,396	-794,276	-110,976	-4,041,185	-3,536,069	2,711,534	-2,703,537	-2,101,045	-1,241,611	-67,557	5,115,973	-1,776,124	-4,860,870	-1,463,819	-4,598,449
Change In Working Capital	-190,520	1,950,802	1,038,156	1,653,855	1,218,888	-465,509	2,646,178	624,102	5,407,083	2,084,385	790,944	-163,690	-7,714,170	2,696,334	2,941,327	-144,057	-4,551,134	2,254,564	-343,216	525,550	3,583,315	1,269,427	-641,438	2,427,953	5,422,232	-812,538	2,161,449	-151,877	-1,650,853	-1,899,703	-1,871,070	1,517,434	-980,222	239,588	1,643,037	659,263	5,231,262	-1,869,393	-2,438,720	-5,709,431	-4,818,268
Change To Operating Activities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,422,000	-813,000	2,161,000	-13,592,000	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation	-	-	-	-	-	-	-	-	-	-	61,157	-	-	-	-	-	-	45,701	-	-	-	-	-	-	38,743	37,000	37,000	35,968	35,501	-	-	-	-	-	-	51,024	50,840	-	-	-	-
Dividends Paid	-368,704	-721,238	-	-712,086	-302,631	-409,455	-	-1,023,340	-327,527	-695,813	-	-982,056	-327,390	-	-	-	-327,333	-	-	-	-306,840	-	-	-	-306,818	-	-	-	-265,197	-	-	-	-264,189	-	-	-	-197,362	-	-	-	-144,198
End Period Cash Flow	7,617,361	6,417,345	6,910,490	3,474,818	3,938,283	4,942,043	4,280,681	7,187,221	6,728,611	8,511,260	8,026,203	4,523,737	4,895,372	6,738,139	5,695,326	3,963,309	5,603,506	8,815,439	6,407,012	10,388,873	7,530,048	6,160,803	5,657,363	7,473,964	8,770,085	7,046,248	5,352,887	6,230,283	7,024,559	7,135,535	11,176,720	14,712,789	12,001,255	14,704,792	16,805,837	18,047,448	18,115,005	12,999,032	14,775,156	19,636,026	21,099,845
Free Cash Flow	11,689	2,393,653	1,383,087	1,723,697	1,784,862	106,383	2,981,675	903,941	5,611,311	2,414,412	1,074,832	-381,916	-7,443,320	2,922,122	3,448,449	-287,777	-4,102,816	2,563,026	-76,948	689,558	4,006,949	1,679,741	-363,864	2,750,735	5,267,289	-736,470	2,874,685	704,662	-1,400,073	-1,142,203	-2,008,013	1,903,063	-628,234	651,265	1,960,526	820,624	5,749,289	-1,435,878	-1,979,420	-4,961,168	-4,359,330
Investments	1,389,210	-2,145,758	1,744,531	-2,164,992	-2,540,614	1,047,344	-5,847,966	-403,149	-7,149,828	-1,823,463	2,715,269	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Issuance Of Capital Stock	1	0	915	800	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Income	784,798	738,593	858,252	689,484	771,466	670,788	728,904	569,415	534,790	701,814	688,578	636,448	633,898	687,246	706,915	1,948,047	690,031	683,071	638,968	482,917	569,537	549,935	542,627	558,544	497,830	344,082	502,961	614,851	519,166	551,602	547,568	537,447	500,049	520,287	544,487	416,434	454,213	507,991	477,634	394,572	465,103
Other Cashflows From Financing Activities	114,250	-785,376	263,742	-63,127	-34,196	-473,961	-36,092	90,009	-25,098	-143,414	167,808	-1,473,558	431,196	-723,111	-24,439	569,206	-18,411	-259,800	-23,235	-58,701	-13,582	-614,368	-13,696	-123,853	-38,364	-596,728	-50,355	-127,898	-51,205	-850,712	-49,005	781,661	-472,859	-516,659	-61,329	-116,761	-59,485	-471,835	-56,883	2,306,815	-49,423
Other Cashflows From Investing Activities	1,104,600	-325,392	1,771,351	-9,361,184	-7,245,229	-4,738,059	-5,810,594	-6,452,554	-6,100,064	989,502	2,751,547	4,068,083	2,621,694	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Non Cash Items	-541,807	-246,727	-486,501	-570,605	-172,048	-73,705	-356,035	-238,917	-270,300	-310,369	-429,569	-829,118	-329,691	-431,129	-155,104	-2,056,117	-210,291	-384,457	-339,599	-267,949	-100,943	-111,047	-211,890	-23,438	-651,872	-188,394	236,763	257,726	-237,483	273,609	-637,803	-148,570	-105,427	-39,711	-151,579	-262,613	40,339	-39,948	21,727	432,455	45,353
Sale Purchase Of Stock	916	915	915	4,633	3,833	3,242	3,242	2,381	3,259	1,010	1,010	3,603	716	-	-	-	-	-	-	-	-	-	-	-	-	-12,360	-14,157	-35,164	-	-	-	-14	-	-15	-	-	-	-	-13	-	-12
Total Cash From Financing Activities	-254,453	-785,376	264,657	-77,284	-336,236	-473,961	-32,850	-110,919	-350,376	-143,414	-331,182	-1,470,671	103,806	-723,111	-24,439	438,828	-345,744	-259,800	-23,235	-1,382,004	-320,306	-1,002,920	-13,696	-2,848,603	-1,261,501	1,817,917	-764,512	-162,129	-314,609	-847,182	19,146	785,045	-730,868	-512,981	-55,500	-94,653	-246,655	-471,835	-36,041	2,338,689	-193,498
Total Cash From Operating Activities	52,471	2,442,668	1,409,907	1,772,734	1,818,306	131,574	3,019,047	954,600	5,671,573	2,475,830	1,111,110	-356,360	-7,409,963	2,952,451	3,493,138	-252,127	-4,071,394	2,598,879	-43,847	740,518	4,051,909	1,708,315	-310,701	2,963,059	5,306,933	-656,850	2,901,173	756,668	-1,333,669	-1,074,492	-1,961,305	1,906,311	-585,600	720,164	2,035,945	864,108	5,776,654	-1,401,350	-1,939,359	-4,882,404	-4,307,812
Total Cashflows From Investing Activities	987,983	-401,227	1,744,531	-9,506,228	-7,341,236	-4,800,622	-5,847,966	-6,661,171	-6,258,022	891,806	2,715,269	3,934,152	2,513,319	-	-	-	-	-	-	-	-	-	-	-	-2,361,000	548,000	-3,106,000	-1,103,000	-	-	-	-	-	-	-	-	-	-	-	-	-

Income Statement

Currency in MYR. All numbers in thousands.

	2021-06-30	2020-06-30	2019-06-30	2018-06-30	2017-06-30	2016-06-30	2015-06-30	2014-06-30	2013-06-30	2012-06-30	2011-06-30	2010-06-30	2009-06-30	2008-06-30	2007-06-30	2006-06-30	2005-06-30
Cost Of Revenue	-	-	-	-	-	-	0	0	0	0	-	-	-	-	-	-	-
Depreciation And Amortization	236,259	248,589	186,485	192,653	165,946	156,350	140,306	207,695	205,055	178,648	80,136	63,343	59,181	57,856	54,287	55,576	51,582
Ebit	5,569,966	6,405,774	7,103,917	6,710,694	6,056,979	6,030,077	6,109,431	5,600,719	5,408,677	4,948,134	3,020,172	2,355,466	2,709,903	2,694,988	2,552,980	2,138,698	1,875,679
Ebitda	5,806,225	6,654,363	7,290,402	6,903,347	6,222,925	6,186,427	6,249,737	5,808,414	5,613,732	5,126,782	3,100,308	2,418,809	2,769,084	2,752,844	2,607,267	2,194,274	1,927,261
Gross Profit	-	-	-	-	-	-	4,119,000	3,987,000	3,965,000	3,892,000	-	-	-	-	-	-	-
Income Before Tax	3,470,939	2,989,397	3,186,020	3,246,255	2,748,252	2,381,699	2,746,158	2,613,221	2,392,947	2,108,898	1,411,860	1,185,258	1,132,231	1,010,042	856,598	764,241	713,435
Income Tax Expense	610,297	494,800	521,513	608,177	603,236	478,282	512,971	510,951	536,675	460,742	276,932	197,283	227,606	268,181	237,149	214,321	199,996
Interest Expense	2,099,027	3,416,377	3,917,897	3,464,439	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Income	5,556,729	6,180,761	6,682,062	6,357,559	6,163,134	6,303,462	6,104,469	-	-	-	-	-	-	-	-	-	-
Net Income	2,860,642	2,494,597	2,664,507	2,638,078	2,145,016	1,903,417	2,233,187	2,102,270	1,856,272	1,648,156	1,134,928	987,975	904,625	741,861	620,794	549,920	513,439
Net Income Applicable To Common Shares	2,860,642	2,494,597	2,664,507	2,638,078	2,145,016	1,903,417	2,233,187	-	-	-	-	-	-	-	-	-	-
Net Income From Continuing Ops	2,860,642	2,494,597	2,664,507	2,638,078	2,145,016	-	-	-	-	-	-	-	-	-	-	-	-
Net Interest Income	3,457,702	2,855,135	2,764,165	2,893,120	2,854,407	2,655,084	2,741,196	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	2,375,000	2,292,000	2,218,000	2,156,000	-	-	-	-	-	-	-
Reconciled Depreciation	236,259	248,589	186,485	192,653	165,946	-	-	-	-	-	-	-	-	-	-	-	-
Selling And Marketing Expenses	150,002	153,076	173,860	160,641	155,598	162,399	161,440	151,354	125,123	-	88,881	-	-	-	98,669	57,897	63,342
Selling General Administrative	154,997	160,524	164,409	173,841	169,646	172,199	149,378	168,882	171,991	-	514,865	916,467	876,555	848,762	118,060	102,692	82,115
Tax Provision	610,297	494,800	521,513	608,177	603,236	478,282	512,971	-	-	-	-	-	-	-	-	-	-
Total Operating Expenses	2,031,269	2,049,988	2,044,310	2,016,181	1,961,511	2,043,750	1,775,327	1,786,220	1,772,416	1,924,896	1,340,818	916,467	876,555	848,762	748,017	607,684	575,695
Total Revenue	5,414,514	4,707,254	4,570,709	4,811,122	4,491,709	4,128,312	3,983,876	4,051,586	3,920,865	3,893,693	2,542,457	2,056,929	2,098,972	2,018,340	1,766,365	1,621,024	1,455,236

	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31
Cost Of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation And Amortization	56,098	56,294	56,929	57,919	59,343	59,696	59,301	62,253	62,555	62,624	61,157	47,510	46,627	46,504	45,844	138,455	54,198	45,701	45,047	44,001	42,089	39,474	40,382	43,519	38,743	37,474	36,614	35,968	35,501	34,138	34,699	53,821	52,844	50,929	50,101	51,024	50,840	-	-	-	-	-
Ebit	1,512,190	1,544,968	1,509,372	1,286,151	1,426,290	1,359,557	1,497,838	1,388,243	1,509,727	1,753,505	1,752,574	1,698,867	1,771,452	1,813,358	1,820,240	4,987,544	1,728,201	1,669,061	1,612,070	1,493,138	1,506,210	1,529,522	1,528,167	1,628,530	1,559,257	1,327,558	1,514,732	1,558,622	1,521,030	1,538,738	1,491,041	1,327,239	1,382,264	1,421,127	1,470,089	1,281,221	1,344,385	-	-	-	-	-
Ebitda	1,568,288	1,601,262	1,566,301	1,344,070	1,485,633	1,419,253	1,557,139	1,450,496	1,572,282	1,816,129	1,813,731	1,746,377	1,818,079	1,859,862	1,866,084	5,125,999	1,782,399	1,714,762	1,657,117	1,537,139	1,548,299	1,568,996	1,568,549	1,672,049	1,598,000	1,365,032	1,551,346	1,594,590	1,556,531	1,572,876	1,525,740	1,381,060	1,435,108	1,472,056	1,520,190	1,332,245	1,395,225	1,391,118	1,391,953	1,255,849	1,336,067	1,148,007
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	982,000	1,013,000	999,000	1,017,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income Before Tax	1,030,823	1,076,537	1,042,112	824,611	940,789	815,290	890,249	648,682	637,194	856,968	846,553	733,029	778,655	823,201	851,135	2,391,129	855,126	833,099	780,392	679,959	697,044	696,630	674,619	724,413	606,642	425,810	624,834	672,505	662,693	707,025	703,935	610,954	639,522	663,406	699,339	529,253	587,918	638,307	637,469	503,445	598,452	483,160
Income Tax Expense	246,025	337,944	183,860	135,127	169,323	144,502	161,345	79,267	102,404	155,154	157,975	96,581	144,757	135,955	144,220	443,082	165,095	150,028	141,424	197,042	127,507	146,695	131,992	165,869	108,812	81,728	121,873	57,654	143,527	155,423	156,367	73,507	139,473	143,119	154,852	112,819	133,705	130,316	159,835	108,873	133,349	101,789
Interest Expense	481,367	468,431	467,260	461,540	485,501	544,267	607,589	739,561	872,533	896,537	906,021	965,838	992,797	990,157	969,105	2,596,415	873,075	835,962	831,678	813,179	809,166	832,892	853,548	904,117	952,615	901,748	889,898	886,117	858,337	831,713	787,106	716,285	742,742	757,721	770,750	751,968	756,467	752,811	754,484	752,404	737,615	664,847
Interest Income	1,428,994	1,428,774	1,386,065	1,379,458	1,362,331	1,410,943	1,403,867	1,390,673	1,552,672	1,625,358	1,610,333	1,634,098	1,684,145	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Income	784,798	738,593	858,252	689,484	771,466	670,788	728,904	569,415	534,790	701,814	688,578	636,448	633,898	687,246	706,915	1,948,047	690,031	683,071	638,968	482,917	569,537	549,935	542,627	558,544	497,830	344,082	502,961	614,851	519,166	551,602	547,568	537,447	500,049	520,287	544,487	416,434	454,213	507,991	477,634	394,572	465,103	381,371
Net Income Applicable To Common Shares	784,798	738,593	858,252	689,484	771,466	670,788	728,904	569,415	534,790	701,814	688,578	636,448	633,898	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Income From Continuing Ops	784,798	738,593	858,252	689,484	771,466	670,788	728,904	569,415	534,790	701,814	688,578	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Interest Income	947,627	960,343	918,805	917,918	876,830	866,676	796,278	651,112	680,139	728,821	704,312	668,260	691,348	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	529,000	373,000	554,000	564,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Reconciled Depreciation	56,098	56,294	56,929	57,919	59,343	59,696	59,301	62,253	62,555	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Selling And Marketing Expenses	48,544	40,438	28,338	42,570	40,227	35,561	31,644	25,640	39,976	44,313	43,147	48,269	42,685	41,329	41,577	121,572	39,069	44,005	38,041	41,285	37,048	40,853	36,412	34,639	42,795	46,586	38,379	41,293	44,059	41,199	34,889	47,934	43,894	29,804	29,722	37,461	31,579	-	-	-	-	-
Selling General Administrative	30,730	39,552	42,138	44,576	33,941	39,326	37,154	39,690	39,916	41,074	39,844	44,915	41,023	38,993	39,478	126,833	47,008	34,251	43,627	48,197	42,275	40,842	38,332	47,562	41,542	44,108	38,987	21,043	30,274	53,992	44,069	53,852	34,060	38,055	38,884	44,922	48,123	-	-	-	-	-
Tax Provision	246,025	337,944	183,860	135,127	169,323	144,502	161,345	79,267	102,404	155,154	157,975	96,581	144,757	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Operating Expenses	505,429	497,851	497,130	517,310	498,298	508,319	507,342	508,800	519,322	513,500	508,366	520,315	512,765	498,453	512,777	1,501,384	514,797	502,893	496,123	503,091	488,044	490,373	480,003	483,162	461,087	647,342	452,159	437,639	448,901	461,545	427,242	465,579	445,620	437,133	433,857	474,165	439,427	451,611	442,853	476,018	448,524	564,733
Total Revenue	1,334,435	1,354,087	1,369,823	1,319,712	1,365,118	1,395,522	1,334,162	1,182,914	1,107,703	1,219,655	1,196,982	1,152,538	1,151,488	1,107,706	1,158,977	3,569,468	1,241,654	1,211,052	1,163,316	1,137,870	1,110,035	1,158,650	1,077,833	1,067,334	989,120	1,061,245	1,010,613	968,927	983,647	1,019,255	1,012,047	995,348	998,883	1,031,547	1,019,407	951,865	1,002,808	1,004,370	1,002,528	965,935	1,007,672	1,003,356

Latest Income Statement (annual, 2021-06-30)

Gross Profit (+$)
totalRevenue	5,414,514
Cost of Revenue	--
Gross Profit	-	5,414,514

Operating Income (+$)
Gross Profit	-
Operating Expense	-2,031,269
Operating Income	-	-2,031,269

Operating Expense (+$)
Research Development	-
Selling General Administrative	154,997
Selling And Marketing Expenses	150,002
Operating Expense	2,031,269	304,999

Net Interest Income (+$)
Interest Income	5,556,729
Interest Expense	-2,099,027
Net Interest Income	3,457,702	3,457,702

Pretax Income (+$)
Operating Income	-
Net Interest Income	3,457,702
Other Non-Operating Income Expenses	-
Income Before Tax (EBT)	3,470,939	0 EBIT - interestExpense = 3,470,939 3,470,939 4,959,669
Interest Expense	2,099,027
Earnings Before Interest and Taxes (ebit)	5,569,966	5,569,966
Earnings Before Interest and Taxes (ebitda)	5,806,225

After tax Income (+$)
Income Before Tax	3,470,939
Tax Provision	-610,297
Net Income From Continuing Ops	2,860,642	2,860,642
Net Income	2,860,642
Net Income Applicable To Common Shares	2,860,642

Non-recurring Events
Discontinued Operations	-
Extraordinary Items	-
Effect of Accounting Charges	-
Other Items	-
Non Recurring	-
Other Operating Expenses	-
Total Other Income/Expenses Net	-	-3,457,702