9.350
RevenueE£B
12.89
13.88
15.03
16.56
17.87
19.03
20.41
22.18
24.05
26.20
9.790
7.96%
8.34%
20
7.32
Revenue growth%
12.14
11.25
11.62
11.55
12.78
12.85
15.13
12.72
12.10
13.29
6.28
12.85
12.43
41
18.74
NIM%
30.75
32.45
32.95
32.21
34.27
34.96
36.70
38.81
37.54
38.43
27.92
37.54
34.61
48
23.64
Effic. R.%
29.41
31.37
29.57
26.95
28.68
28.71
31.33
28.89
31.85
33.71
5.51
31.33
29.49
81
14.01
Net margin%
14.06
15.08
13.32
16.15
13.91
15.28
14.68
17.40
19.46
17.50
14.05
17.40
15.18
84
13.08
P/E ratio (avg)x
10.17
11.60
10.84
12.53
11.87
11.30
12.47
13.60
14.57
14.07
7.998
13.60
12.17
71
22.69
P/TBVx
38.05
39.89
37.98
41.17
40.49
41.33
39.33
42.27
41.24
45.09
25.16
41.33
40.83
90
23.91
P/Bx
29.10
25.36
21.59
20.99
21.17
19.11
17.72
19.30
16.93
17.63
29.41
17.72
20.14
21
7.731
NIIE£B
9.767
10.43
11.11
12.35
13.21
14.19
15.26
16.42
18.18
19.50
25.16
8.10%
8.25%
—
15.79
NII grth%
6.91
9.13
8.34
7.32
4.94
4.36
4.94
6.46
5.12
2.23
12.83
4.94
5.79
76
20.94
ROTE%
27.57
25.91
25.35
23.59
24.86
27.36
25.54
26.16
24.04
23.32
19.82
25.54
25.45
17
21.50
Return on equity%
10.62
12.87
10.03
8.03
5.81
8.47
6.61
4.59
6.44
5.91
4.36
6.44
7.32
93
14.03
Return on assets%
10.56
11.45
8.71
9.49
11.39
10.12
9.54
7.06
8.77
8.51
20.29
8.77
9.52
84
0.33
EPSE£
0.08
0.09
0.08
0.08
0.07
0.07
0.08
0.08
0.07
0.07
0.37
(0.17%)
(0.84%)
—
10.21
EPS growth%
33.14
34.58
33.02
33.94
34.51
31.65
33.22
35.30
35.61
36.54
12.36
35.30
34.22
78
0.55
Bookvalue per shE£
0.19
0.19
0.21
0.19
0.21
0.23
0.22
0.20
0.19
0.20
0.55
(1.39%)
0.40%
—
0.48
TBV/shE£
0.29
0.32
0.34
0.35
0.38
0.40
0.34
0.34
0.30
0.32
0.41
(3.40%)
0.66%
—
0.19
Dividend per shE£
0.30
0.29
0.26
0.26
0.25
0.25
0.27
0.25
0.22
0.20
0.50
(4.48%)
(3.90%)
—
2.63
Div yield (avg)%
11.09
11.35
12.70
11.53
9.48
7.86
8.45
11.05
12.68
12.42
17.57
11.05
11.22
14
23.65
Payout ratio%
29.80
29.58
31.34
32.47
31.84
34.27
36.85
38.28
38.85
41.11
10.57
38.28
33.37
93
14.80
Shares (diluted)B
12.46
13.73
12.99
13.53
14.65
16.26
15.92
17.84
16.32
17.07
15.22
3.11%
2.32%
14
23.23
Buyback yield%
18.03
20.37
23.04
22.86
21.62
23.83
22.07
23.22
22.24
21.05
25.78
22.24
22.16
63
69.53
Eq/Assets%
129.39
126.62
125.96
119.68
123.06
120.28
127.49
118.27
133.91
132.07
74.08
127.49
126.29
37
6.710
AssetsE£B
16.31
17.48
19.09
21.16
23.36
26.08
27.98
30.84
33.12
34.22
8.378
7.93%
8.56%
44
24.14
LT debtE£B
10.24
10.38
9.906
11.73
12.62
13.66
14.13
14.36
15.83
18.02
1.455
7.39%
6.53%
50
Total assets
E£34.22B
8.56%
1.02×
Revenue
E£26.20B
8.34%
1.00×
Non-interest expense
E£11.97B
8.44%
1.01×
Net interest income
74.43%
Non-interest income
25.57%