11.17
RevenueE£B
7.278
7.575
7.852
8.066
8.245
8.712
9.184
9.725
10.18
10.57
12.28
5.10%
4.28%
22
12.01
Revenue growth%
9.51
8.40
6.08
6.96
6.73
5.26
7.66
6.24
5.14
2.69
23.81
5.26
6.49
57
16.74
NIM%
26.82
29.05
30.56
29.13
28.75
29.66
28.84
29.27
30.77
31.19
19.67
29.66
29.20
82
9.29
Effic. R.%
22.71
20.78
22.45
24.65
25.18
26.80
27.33
27.58
28.03
27.08
10.41
27.33
25.99
9
5.80
Net margin%
3.43
1.37
0.40
3.20
5.52
6.68
3.92
3.09
3.20
3.49
10.85
3.49
3.32
33
18.05
P/E ratio (avg)x
42.02
48.16
50.41
52.71
60.23
57.52
60.10
68.68
78.18
82.29
15.45
68.68
58.81
73
22.47
P/TBVx
13.78
14.03
14.19
14.40
13.48
12.45
13.86
12.54
11.58
12.64
31.66
12.54
13.63
67
36.00
P/Bx
12.77
11.04
11.44
11.57
10.94
9.835
9.852
8.905
9.016
7.945
14.72
9.016
10.39
48
4.492
NIIE£B
4.522
4.663
4.773
4.936
5.090
5.283
5.739
6.063
6.318
6.614
8.021
5.38%
4.46%
—
2.86
NII grth%
29.23
29.17
30.41
31.43
31.64
31.18
32.79
33.70
35.29
36.90
7.31
33.70
31.54
28
5.71
ROTE%
6.84
9.66
10.29
11.07
8.89
11.37
8.49
6.90
7.90
6.29
14.13
7.90
8.69
17
9.49
Return on equity%
1.10
1.40
2.12
2.49
2.68
4.77
7.31
5.32
4.99
3.40
26.93
4.99
3.04
74
16.90
Return on assets%
23.77
26.06
24.94
26.20
26.15
27.43
26.58
26.83
26.30
25.99
22.00
26.58
26.17
47
1.29
EPSE£
7.76
6.91
6.48
6.71
6.43
6.07
6.19
6.56
6.64
6.66
1.34
0.69%
(1.66%)
—
10.12
EPS growth%
7.84
6.64
9.36
12.04
10.65
9.97
12.25
11.30
10.70
11.86
17.95
11.30
10.67
36
3.58
Bookvalue per shE£
1.16
1.10
0.93
0.91
0.83
0.80
0.76
0.68
0.72
0.64
5.68
(4.91%)
(7.25%)
—
2.41
TBV/shE£
12.28
12.99
13.41
12.97
15.43
17.64
18.56
22.30
22.33
21.63
5.88
6.98%
7.32%
—
7.24
Dividend per shE£
1.71
1.56
1.51
1.61
1.50
1.71
1.89
2.13
2.07
2.29
6.39
8.79%
3.69%
—
5.79
Div yield (avg)%
3.14
4.74
5.18
6.44
5.89
3.26
0.71
0.40
2.24
4.89
29.91
2.24
4.00
34
29.07
Payout ratio%
15.48
17.75
20.52
18.36
15.70
18.01
15.43
13.44
14.05
11.68
10.06
14.05
15.59
94
1.527
Shares (diluted)B
2.031
1.817
1.837
2.065
2.195
2.181
2.417
2.265
2.070
2.056
1.470
(1.30%)
1.17%
8
17.04
Buyback yield%
18.51
16.32
17.95
20.60
20.28
21.32
21.29
23.82
25.71
24.92
6.58
23.82
20.95
24
16.45
Eq/Assets%
122.17
128.35
123.64
133.62
143.49
132.11
124.93
139.99
141.03
144.87
52.95
139.99
132.87
50
8.733
AssetsE£B
22.57
23.91
26.62
28.33
31.10
34.12
37.07
40.10
44.96
47.59
6.220
8.88%
8.77%
84
4.119
LT debtE£B
7.817
6.846
6.643
6.874
7.378
7.859
6.996
6.190
6.621
5.737
7.300
(4.91%)
(3.48%)
16
Total assets
E£47.59B
8.77%
1.53×
Revenue
E£10.57B
4.28%
1.00×
Non-interest expense
E£5.055B
4.29%
1.00×
Net interest income
62.56%
Non-interest income
37.44%