103.4
RevenueE£B
107.0
108.5
113.7
118.5
122.0
128.9
133.0
135.3
139.3
141.1
114.7
2.94%
3.32%
65
27.64
Revenue growth%
20.30
18.05
20.95
22.16
20.50
21.98
21.84
22.24
19.94
18.09
28.64
21.84
20.73
56
10.02
NIM%
3.19
5.87
6.47
6.46
7.86
8.37
6.85
9.39
9.81
10.97
27.96
9.39
7.35
35
17.80
Effic. R.%
28.71
26.29
27.50
26.23
24.72
23.46
26.36
26.01
26.88
29.55
26.10
26.36
26.32
11
17.11
Net margin%
17.93
20.05
19.53
18.81
21.01
22.30
24.56
24.53
26.12
28.74
24.59
24.56
21.66
67
24.06
P/E ratio (avg)x
53.84
62.00
61.44
60.78
63.35
64.65
71.01
79.86
87.89
106.8
23.87
79.86
64.00
42
34.89
P/TBVx
26.83
22.81
19.54
20.98
19.09
16.56
17.91
16.11
15.27
14.67
14.11
16.11
18.50
70
23.20
P/Bx
16.55
16.14
15.22
15.95
15.04
13.87
14.39
13.14
11.32
9.857
23.30
13.14
14.71
71
136.1
NIIE£B
76.42
76.48
80.96
85.24
86.99
91.24
96.28
96.01
99.10
100.1
69.67
2.84%
3.14%
—
23.51
NII grth%
0.40
0.57
2.10
2.33
3.91
6.86
4.72
4.31
2.21
4.24
8.90
4.31
3.12
27
28.07
ROTE%
11.27
10.55
11.03
8.63
9.68
8.97
11.10
9.15
9.12
10.52
24.62
9.15
10.10
32
7.41
Return on equity%
22.74
24.54
22.82
23.28
26.18
24.59
26.10
24.11
23.38
24.22
3.78
24.22
24.17
35
25.07
Return on assets%
19.11
20.47
21.69
19.50
16.85
13.87
14.64
13.26
14.83
16.94
8.97
14.64
16.90
74
12.87
EPSE£
12.09
11.53
12.40
13.63
14.10
15.15
14.75
13.62
13.44
13.61
14.10
(0.70%)
0.61%
—
5.62
EPS growth%
23.93
26.23
28.06
28.18
28.38
27.06
24.97
26.20
26.47
26.36
17.54
26.36
26.42
73
18.29
Bookvalue per shE£
16.19
14.83
14.49
15.27
14.58
14.66
13.28
13.96
13.48
13.77
8.55
(1.14%)
(0.99%)
—
20.72
TBV/shE£
14.73
14.50
13.75
12.19
10.94
10.09
8.56
8.75
7.69
8.23
7.76
(5.52%)
(6.37%)
—
15.88
Dividend per shE£
14.53
14.25
16.36
18.71
17.91
19.03
20.65
21.50
22.35
23.62
17.75
5.68%
6.15%
—
18.79
Div yield (avg)%
19.31
19.85
18.63
20.93
18.08
15.18
13.77
11.29
10.22
7.77
4.23
11.29
16.63
87
13.99
Payout ratio%
12.56
11.31
13.34
13.10
15.01
13.85
11.85
12.22
9.74
10.03
23.12
11.85
12.39
28
3.390
Shares (diluted)B
5.961
6.443
7.273
7.545
8.686
9.694
9.512
10.67
10.94
12.00
3.428
6.67%
8.80%
7
21.68
Buyback yield%
21.93
21.70
23.64
26.51
27.97
26.22
27.22
25.87
27.04
28.93
14.64
27.04
26.37
28
161.79
Eq/Assets%
116.63
129.67
129.15
141.01
149.38
150.18
154.86
146.35
155.26
139.37
71.66
150.18
143.68
83
65.77
AssetsE£B
511.8
552.4
609.2
645.4
686.5
734.4
823.5
898.0
952.2
1,039
60.13
8.64%
8.14%
63
92.65
LT debtE£B
129.7
133.0
140.0
132.3
150.0
156.2
168.4
158.7
180.9
204.8
138.3
6.43%
5.31%
81
Total assets
E£1.039T
8.14%
1.58×
Revenue
E£141.1B
3.32%
1.00×
Non-interest expense
E£73.79B
3.69%
1.04×
Net interest income
70.94%
Non-interest income
29.06%
Spread over hurdle
(2.64%)