7.970
RevenueE£B
9.800
9.983
9.964
9.959
10.30
10.30
10.27
10.19
10.29
10.59
8.711
0.55%
1.08%
45
10.00
Revenue growth%
6.41
7.15
5.56
3.26
4.54
4.01
5.99
7.68
10.29
9.71
26.23
7.68
6.20
59
14.58
NIM%
2.33
2.33
0.40
0.40
0.40
0.40
0.40
0.40
0.40
1.25
5.42
0.40
0.40
50
5.64
Effic. R.%
5.88
8.87
9.05
10.93
11.73
11.37
13.59
13.50
12.27
13.90
8.03
13.50
11.55
73
17.41
Net margin%
9.81
11.11
8.56
10.50
11.09
10.80
8.88
7.77
4.99
4.68
17.45
7.77
9.35
89
35.74
P/E ratio (avg)x
19.56
19.70
19.37
22.41
23.55
22.87
22.34
26.13
25.69
25.81
12.82
25.69
22.64
12
23.52
P/TBVx
7.127
7.168
6.998
6.765
6.699
5.728
5.703
5.738
5.768
5.839
28.41
5.738
6.269
41
10.03
P/Bx
48.75
48.05
50.14
57.74
64.18
65.43
66.34
77.68
78.00
85.64
33.01
77.68
64.81
46
7.473
NIIE£B
7.708
7.784
7.842
7.822
8.074
8.054
8.036
7.914
8.123
8.185
1.766
0.27%
0.91%
—
23.73
NII grth%
23.94
22.31
23.86
24.39
22.57
19.66
19.58
21.67
19.36
17.57
2.94
19.58
21.99
71
5.48
ROTE%
32.55
33.33
31.83
31.05
30.57
31.37
30.08
28.05
26.22
29.06
10.46
29.06
30.81
91
23.22
Return on equity%
23.54
22.96
22.72
25.52
27.40
30.10
27.82
30.41
28.03
28.64
9.71
28.64
27.61
68
8.11
Return on assets%
28.84
30.65
29.39
28.49
27.26
27.25
29.33
30.27
30.12
30.20
6.03
30.12
29.36
77
4.04
EPSE£
2.91
3.36
3.41
3.51
3.88
4.39
4.81
5.23
5.26
5.12
4.40
5.66%
6.12%
—
20.01
EPS growth%
26.71
24.34
25.95
24.53
27.45
29.29
29.86
28.74
28.37
29.10
15.53
29.10
27.91
18
3.37
Bookvalue per shE£
1.26
1.41
1.55
1.37
1.37
1.22
1.22
1.19
1.16
1.11
3.12
(4.18%)
(1.59%)
—
2.69
TBV/shE£
0.85
0.90
0.90
0.96
1.07
1.05
1.21
1.23
1.29
1.28
4.28
3.72%
5.01%
—
4.84
Dividend per shE£
1.57
1.52
1.49
1.58
1.77
1.80
1.85
1.77
1.86
1.93
3.51
1.74%
3.28%
—
20.89
Div yield (avg)%
16.29
17.70
16.91
16.48
18.46
19.32
21.70
20.94
21.00
18.62
12.84
20.94
18.54
49
8.83
Payout ratio%
21.67
22.07
20.43
17.94
16.48
16.97
17.44
19.60
22.60
23.28
14.77
19.60
20.02
90
0.740
Shares (diluted)B
0.982
1.069
1.189
1.407
1.532
1.594
1.720
1.905
2.257
2.461
0.715
9.94%
9.19%
58
29.18
Buyback yield%
14.84
13.07
10.34
13.22
14.36
17.03
15.98
17.73
17.07
14.42
26.27
17.03
14.63
50
59.27
Eq/Assets%
161.27
157.68
169.69
165.30
152.83
162.37
152.88
150.70
142.68
127.13
142.60
150.70
155.28
39
3.318
AssetsE£B
30.43
34.15
36.08
39.45
42.90
47.11
51.44
54.06
56.69
62.17
12.76
7.70%
7.83%
72
6.553
LT debtE£B
17.06
17.57
16.78
17.86
19.02
21.73
21.83
22.70
22.19
21.33
3.003
2.32%
1.76%
58
Total assets
E£62.17B
7.83%
1.91×
Revenue
E£10.59B
1.08%
1.00×
Non-interest expense
E£5.457B
0.99%
0.99×
Net interest income
77.30%
Non-interest income
22.70%