5.737
RevenueE£B
5.191
5.319
5.363
5.348
5.446
5.560
5.648
5.800
5.839
5.779
6.193
1.19%
1.13%
21
10.95
Revenue growth%
1.58
0.40
2.14
2.70
3.36
3.50
1.00
0.68
2.92
0.40
12.13
1.00
1.86
79
19.19
NIM%
11.77
13.94
14.82
14.75
15.89
15.26
14.15
12.43
13.66
15.60
11.49
14.15
14.45
57
3.22
Effic. R.%
21.23
22.87
20.09
19.33
20.09
20.87
23.03
21.53
19.71
19.94
20.89
20.87
20.48
12
9.93
Net margin%
13.47
14.83
17.29
16.04
15.18
15.95
16.46
15.24
12.58
12.08
12.38
15.24
15.21
64
36.95
P/E ratio (avg)x
10.33
10.39
11.11
11.72
10.56
10.63
9.356
8.323
8.225
7.683
35.62
8.323
10.36
90
24.27
P/TBVx
25.42
24.89
24.98
22.19
22.36
21.37
22.59
20.97
20.34
21.50
35.68
21.37
22.28
71
22.38
P/Bx
24.72
23.87
23.89
21.46
22.69
23.29
24.02
22.62
20.62
20.67
23.90
22.62
22.99
82
0.377
NIIE£B
3.492
3.648
3.687
3.596
3.684
3.800
3.891
3.892
3.947
3.880
5.314
1.04%
0.98%
—
24.05
NII grth%
3.21
2.93
1.99
2.68
5.64
5.64
5.86
5.49
8.29
6.89
20.97
5.86
5.56
69
8.30
ROTE%
22.70
20.21
20.96
20.58
23.54
26.52
25.57
25.22
27.07
26.85
15.37
26.52
24.38
32
28.70
Return on equity%
7.49
8.06
7.38
5.36
5.61
3.69
3.13
3.66
4.06
4.33
8.59
3.69
4.85
73
18.92
Return on assets%
16.15
14.76
13.64
11.45
9.90
9.94
12.70
10.29
12.03
12.66
4.87
12.03
12.34
59
0.59
EPSE£
2.30
2.60
3.08
3.31
3.69
4.39
5.12
6.00
6.11
6.73
0.61
12.76%
11.58%
—
23.88
EPS growth%
23.38
22.43
21.53
22.60
24.31
26.17
27.14
24.78
27.32
29.64
7.39
27.14
24.55
49
0.89
Bookvalue per shE£
2.61
2.51
2.68
2.53
2.88
2.80
2.84
2.69
2.95
2.73
2.18
(1.03%)
0.44%
—
1.98
TBV/shE£
2.92
2.80
2.64
2.71
2.82
2.84
2.88
3.31
3.32
3.66
0.79
5.34%
2.76%
—
1.12
Dividend per shE£
1.56
1.47
1.43
1.57
1.68
1.83
1.70
1.98
2.11
2.25
1.01
6.06%
3.20%
—
8.50
Div yield (avg)%
11.94
14.50
12.53
11.30
9.25
10.78
11.17
13.86
15.46
14.58
12.21
13.86
12.24
12
23.65
Payout ratio%
16.83
18.43
18.27
17.57
19.34
17.47
17.75
18.19
19.42
16.65
17.36
17.75
17.97
47
1.216
Shares (diluted)B
1.334
1.435
1.445
1.521
1.540
1.471
1.339
1.283
1.276
1.211
1.219
(4.68%)
(1.33%)
16
21.08
Buyback yield%
19.10
19.49
16.63
15.87
16.67
19.10
18.36
19.73
20.88
22.32
5.29
19.73
19.10
68
114.35
Eq/Assets%
47.56
49.13
49.87
48.50
51.13
58.14
59.65
59.86
68.97
81.66
20.27
59.86
54.64
12
4.006
AssetsE£B
7.282
8.214
8.902
9.430
10.01
10.76
12.06
13.23
14.60
16.01
4.483
9.84%
8.82%
22
4.360
LT debtE£B
1.853
1.996
1.851
1.850
1.742
1.866
2.039
2.145
1.858
1.866
3.851
1.39%
0.72%
24
Total assets
E£16.01B
8.82%
2.08×
Revenue
E£5.779B
1.13%
1.00×
Non-interest expense
E£3.181B
1.07%
0.99×
Net interest income
67.14%
Non-interest income
32.86%