4.313
RevenueE£B
4.855
4.995
5.068
5.314
5.542
5.811
6.037
6.316
6.613
6.661
4.660
3.75%
3.70%
40
25.86
Revenue growth%
26.83
25.12
23.47
23.74
26.13
27.74
27.17
24.68
26.97
24.02
9.91
26.97
25.63
8
3.84
NIM%
17.19
19.71
18.59
19.57
16.61
18.74
18.74
19.23
20.28
20.66
22.64
19.23
18.99
37
24.56
Effic. R.%
14.81
15.40
17.44
17.18
18.05
16.16
13.46
12.56
10.18
10.32
25.34
12.56
15.11
84
28.99
Net margin%
11.40
11.03
10.42
10.74
10.68
8.46
6.76
9.06
11.21
13.34
25.90
9.06
10.71
74
15.30
P/E ratio (avg)x
42.77
47.02
44.96
42.29
43.12
45.75
42.38
47.63
42.83
47.30
6.710
45.75
44.04
95
27.42
P/TBVx
8.407
8.468
8.049
8.752
7.891
8.792
8.771
9.449
10.08
10.20
27.18
9.449
8.761
18
36.50
P/Bx
15.89
13.76
12.83
13.00
12.26
11.09
9.781
10.45
11.24
11.28
20.36
11.09
11.77
66
6.759
NIIE£B
3.283
3.383
3.416
3.580
3.749
3.884
4.047
4.241
4.471
4.522
4.923
3.82%
3.81%
—
11.28
NII grth%
25.70
25.27
28.10
28.41
29.74
27.19
26.71
27.98
26.25
24.34
12.16
26.71
26.95
77
9.09
ROTE%
26.93
29.76
27.44
26.03
26.57
25.33
24.92
26.15
23.29
25.47
17.70
25.33
26.09
49
29.98
Return on equity%
3.22
3.85
4.63
4.16
1.39
3.08
2.41
5.01
4.38
2.58
20.25
3.08
3.54
17
25.60
Return on assets%
14.01
14.93
16.21
16.70
16.87
15.06
12.65
13.99
11.93
10.89
2.36
12.65
14.47
42
0.36
EPSE£
0.56
0.65
0.71
0.79
0.83
0.85
0.85
0.94
0.92
0.99
0.39
3.73%
6.52%
—
17.93
EPS growth%
8.92
10.61
8.02
6.88
8.34
6.75
4.33
4.35
6.93
7.52
25.14
6.75
7.22
17
1.11
Bookvalue per shE£
0.65
0.75
0.85
0.83
0.80
0.81
0.92
0.86
0.98
0.93
0.50
2.97%
4.73%
—
0.72
TBV/shE£
1.27
1.50
1.53
1.51
1.48
1.60
1.87
1.93
1.98
2.29
1.33
9.07%
6.18%
—
0.44
Dividend per shE£
2.25
2.16
2.37
2.33
2.47
2.47
2.34
2.62
2.74
3.11
0.53
4.72%
4.27%
—
6.52
Div yield (avg)%
21.23
18.67
18.77
21.22
23.32
21.89
19.29
17.49
19.49
22.34
21.33
19.49
20.35
15
3.83
Payout ratio%
30.48
27.73
27.43
28.55
30.58
29.20
28.23
29.90
31.35
31.39
29.95
29.90
29.55
33
1.754
Shares (diluted)B
2.488
2.784
3.165
3.482
3.508
4.120
4.605
4.886
5.832
6.670
1.782
13.72%
11.33%
87
11.01
Buyback yield%
20.22
18.59
20.50
18.08
20.61
18.78
21.62
18.71
16.05
14.18
16.15
18.71
18.74
11
146.17
Eq/Assets%
87.43
104.14
124.00
136.46
135.31
143.93
155.85
153.77
166.72
170.19
174.13
155.85
140.19
65
6.260
AssetsE£B
2.909
3.186
3.497
3.800
4.032
4.312
4.612
5.088
5.520
6.067
7.088
8.51%
8.14%
17
5.535
LT debtE£B
2.004
1.850
1.744
1.664
1.705
1.725
1.860
2.080
2.356
2.423
4.463
7.27%
2.71%
6
Total assets
E£6.067B
8.14%
1.52×
Revenue
E£6.661B
3.70%
1.00×
Non-interest expense
E£3.817B
3.61%
0.99×
Net interest income
67.89%
Non-interest income
32.11%
Return on capital
115.96%