2.269
RevenueE£B
7.354
7.622
7.743
7.868
8.037
8.242
8.430
8.903
9.105
9.437
2.380
3.26%
2.81%
62
15.47
Revenue growth%
9.59
10.51
8.82
6.23
5.81
8.35
9.72
7.02
5.14
4.78
13.20
7.02
7.68
15
7.68
NIM%
23.18
22.73
22.96
22.05
23.69
22.47
20.71
22.77
24.30
26.55
16.97
22.77
22.87
52
2.49
Effic. R.%
7.56
5.89
2.96
3.68
6.38
3.54
3.41
5.77
8.71
6.79
23.48
5.77
5.83
11
5.60
Net margin%
30.27
29.66
30.71
33.52
34.10
31.82
31.46
32.08
32.43
33.93
11.61
32.08
31.95
95
28.63
P/E ratio (avg)x
9.184
8.412
8.885
8.785
9.293
8.854
8.235
8.455
7.594
7.348
20.17
8.235
8.620
24
22.66
P/TBVx
54.78
54.87
53.95
54.23
59.45
57.63
67.38
66.75
73.86
81.45
36.14
67.38
58.54
62
6.813
P/Bx
36.21
36.45
35.68
38.88
42.13
49.88
54.88
57.61
67.62
66.29
24.85
57.61
46.01
13
3.452
NIIE£B
4.426
4.572
4.556
4.596
4.712
4.844
5.084
5.218
5.392
5.535
7.730
3.27%
2.77%
—
20.03
NII grth%
2.39
3.74
5.53
4.20
2.46
0.89
0.91
0.40
0.40
0.67
10.80
0.67
1.65
61
25.14
ROTE%
21.37
23.55
22.20
23.76
22.24
22.69
22.80
23.05
23.62
25.34
13.94
23.05
22.93
82
28.66
Return on equity%
6.06
5.47
7.15
10.07
9.14
10.95
13.15
14.08
12.70
15.04
29.33
13.15
10.51
93
22.91
Return on assets%
12.61
11.34
12.47
11.91
13.24
16.12
14.45
11.51
11.66
10.10
23.59
11.66
12.19
44
1.50
EPSE£
8.80
9.51
9.72
9.90
10.21
11.50
11.83
11.96
12.72
13.36
1.55
5.51%
4.13%
—
14.28
EPS growth%
20.50
17.98
16.04
13.40
16.39
14.37
15.97
15.48
14.53
16.96
24.74
15.48
16.01
41
0.88
Bookvalue per shE£
2.61
2.63
2.47
2.56
2.39
2.64
2.66
2.70
2.70
2.56
1.95
1.38%
(1.12%)
—
2.99
TBV/shE£
1.37
1.46
1.47
1.48
1.41
1.37
1.30
1.27
1.33
1.54
3.20
1.83%
0.71%
—
2.36
Dividend per shE£
2.97
2.89
3.12
3.57
3.55
4.09
4.56
5.35
5.33
5.80
4.49
10.30%
8.00%
—
13.98
Div yield (avg)%
6.70
8.91
7.01
4.92
2.71
0.72
0.40
2.67
1.30
3.45
20.23
1.30
3.08
91
4.08
Payout ratio%
21.74
19.05
19.52
18.40
19.95
17.12
19.31
16.72
16.38
17.19
18.30
17.12
18.72
92
0.985
Shares (diluted)B
0.998
1.028
0.977
0.909
0.919
0.963
1.027
1.148
1.079
1.037
0.975
2.45%
0.13%
53
11.03
Buyback yield%
24.64
27.38
30.28
27.78
30.15
29.69
30.85
31.02
30.32
28.82
19.50
30.32
29.92
74
37.80
Eq/Assets%
30.13
31.83
29.09
31.61
28.57
27.86
27.11
29.00
32.33
31.43
25.91
29.00
29.61
67
4.588
AssetsE£B
20.32
21.74
23.68
26.49
28.53
30.81
32.98
35.16
39.58
42.29
5.792
8.19%
8.28%
90
0.937
LT debtE£B
4.731
4.660
4.988
5.331
5.663
6.599
7.762
8.807
10.38
10.42
8.084
12.96%
9.97%
33
Total assets
E£42.29B
8.28%
1.68×
Revenue
E£9.437B
2.81%
1.00×
Non-interest expense
E£4.737B
2.82%
1.00×
Net interest income
58.65%
Non-interest income
41.35%