2.902
RevenueE£B
2.254
2.412
2.624
2.852
3.062
3.323
3.473
3.685
3.894
4.160
3.239
6.32%
6.79%
9
17.61
Revenue growth%
10.01
10.43
9.08
7.43
7.79
6.72
4.02
5.02
4.16
1.75
10.49
4.16
7.08
14
28.30
NIM%
10.10
7.67
8.63
9.73
8.63
6.30
4.18
2.92
4.95
6.37
24.95
4.95
7.02
11
27.82
Effic. R.%
4.47
7.14
6.09
5.21
7.02
4.33
2.99
1.61
0.79
0.40
9.21
1.61
4.40
45
3.75
Net margin%
1.49
1.01
0.40
0.40
2.89
0.40
2.69
0.40
0.40
3.24
17.79
0.40
0.70
5
26.47
P/E ratio (avg)x
34.25
31.13
33.12
32.84
30.38
29.61
32.87
34.80
31.90
29.65
13.36
31.90
32.37
93
6.958
P/TBVx
46.87
49.25
50.12
46.85
49.71
51.89
50.38
49.01
52.13
49.35
37.48
50.38
49.53
95
26.38
P/Bx
21.52
22.83
21.74
24.54
23.89
26.42
25.99
26.70
24.92
26.50
31.70
26.42
24.73
81
3.113
NIIE£B
1.325
1.425
1.556
1.728
1.844
1.978
2.065
2.165
2.358
2.454
0.622
5.88%
6.74%
—
16.53
NII grth%
0.40
0.40
0.40
0.40
0.40
1.84
2.22
2.88
5.63
6.98
2.60
2.88
1.12
77
11.27
ROTE%
29.06
26.36
27.19
29.93
32.78
31.10
28.85
29.89
31.69
34.30
11.21
31.10
29.91
20
3.78
Return on equity%
5.41
3.63
2.06
4.92
7.82
9.89
9.45
7.57
7.82
9.16
25.00
9.16
7.69
88
26.51
Return on assets%
1.81
3.34
1.25
3.38
3.64
2.93
1.56
0.88
0.40
2.06
30.00
1.56
1.93
38
0.01
EPSE£
0.05
0.05
0.05
0.06
0.06
0.06
0.06
0.08
0.09
0.09
0.01
7.04%
6.42%
—
28.88
EPS growth%
33.16
34.10
35.78
38.73
40.03
41.27
39.08
37.87
38.25
40.56
7.68
39.08
38.49
95
0.05
Bookvalue per shE£
0.03
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.02
0.11%
1.59%
—
0.04
TBV/shE£
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.03
(3.46%)
(3.30%)
—
0.02
Dividend per shE£
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.05
0.87%
(0.52%)
—
11.15
Div yield (avg)%
20.94
19.63
17.13
19.93
17.83
14.97
12.58
14.72
16.64
14.21
24.98
14.72
16.89
79
10.15
Payout ratio%
21.89
19.62
22.51
19.78
19.48
17.30
14.68
17.08
18.70
19.45
26.91
17.30
19.46
32
27.72
Shares (diluted)B
43.70
42.65
43.51
40.05
43.98
45.17
41.58
47.34
44.36
43.29
28.16
(0.32%)
0.20%
84
19.91
Buyback yield%
25.27
28.09
30.10
31.19
31.77
30.70
33.40
35.47
36.92
37.23
17.38
35.47
31.48
53
109.46
Eq/Assets%
74.25
70.96
70.03
70.21
73.16
65.24
60.19
61.98
58.72
63.78
58.35
61.98
67.64
11
2.314
AssetsE£B
13.42
14.99
16.28
17.57
19.03
20.59
22.55
24.16
25.55
28.33
0.984
8.28%
8.96%
25
3.675
LT debtE£B
2.591
3.105
3.552
3.492
3.825
3.921
4.215
4.874
4.879
4.948
2.107
5.28%
6.38%
91
Total assets
E£28.33B
8.96%
1.22×
Revenue
E£4.160B
6.79%
1.00×
Non-interest expense
E£2.469B
6.90%
1.01×
Net interest income
59.00%
Non-interest income
41.00%