11.80
RevenueE£B
7.803
8.320
9.024
9.390
9.882
10.44
11.08
12.03
12.99
13.66
12.29
6.69%
6.43%
30
3.55
Revenue growth%
33.55
30.66
32.43
33.03
33.95
32.10
30.69
29.58
27.23
28.48
23.52
29.58
31.39
71
29.98
NIM%
26.79
29.45
28.23
27.77
30.62
32.17
35.14
36.83
34.37
33.47
24.17
34.37
31.39
14
28.69
Effic. R.%
8.60
11.00
8.40
5.69
4.71
7.63
8.24
9.67
11.17
13.88
29.97
9.67
8.50
31
12.12
Net margin%
14.17
17.00
19.16
19.92
18.51
20.50
19.56
18.94
18.91
17.17
15.30
18.94
18.93
39
6.525
P/E ratio (avg)x
26.23
28.50
30.31
32.43
33.83
36.13
39.28
47.34
56.20
55.50
28.54
47.34
34.98
36
36.73
P/TBVx
6.710
6.303
6.274
6.835
7.751
7.765
7.299
8.042
8.980
8.907
29.13
8.042
7.525
24
26.12
P/Bx
13.36
15.39
16.99
15.61
15.61
17.92
17.25
19.74
19.38
20.42
31.06
19.38
17.12
35
4.775
NIIE£B
4.922
5.196
5.701
5.896
6.222
6.503
6.973
7.585
8.186
8.697
10.06
6.93%
6.58%
—
13.75
NII grth%
17.30
14.46
13.92
16.00
13.16
10.42
8.43
10.37
8.67
6.83
12.51
8.67
11.79
64
17.16
ROTE%
1.63
0.44
0.40
0.40
0.70
1.90
2.03
4.37
4.73
3.77
16.96
3.77
1.76
5
16.20
Return on equity%
22.65
24.06
21.58
21.44
20.04
18.69
20.34
21.22
23.75
26.22
9.36
21.22
21.51
54
27.38
Return on assets%
12.71
12.09
12.60
10.16
12.32
14.01
14.00
16.72
14.28
13.61
9.72
14.01
13.16
18
2.52
EPSE£
15.06
14.39
14.96
14.96
14.79
14.72
14.76
16.43
17.81
20.08
2.69
6.31%
4.39%
—
23.99
EPS growth%
22.76
19.77
20.13
19.92
22.82
20.78
22.04
20.86
23.35
20.54
15.63
20.86
20.82
45
7.67
Bookvalue per shE£
4.66
4.81
4.48
3.97
4.30
4.22
3.96
3.48
3.73
3.55
7.98
(3.77%)
(2.47%)
—
11.90
TBV/shE£
10.20
9.91
10.83
11.54
10.25
9.64
8.91
9.02
8.76
7.88
3.21
(5.13%)
(2.34%)
—
9.21
Dividend per shE£
11.94
11.90
12.35
12.75
13.08
11.72
11.75
11.49
12.34
10.75
10.57
(3.85%)
(1.16%)
—
3.02
Div yield (avg)%
8.56
8.80
9.30
10.79
9.08
10.61
10.44
8.02
9.97
12.50
3.13
10.44
9.63
35
6.44
Payout ratio%
23.72
22.00
21.10
21.96
23.61
23.04
21.09
20.02
18.07
18.27
2.81
20.02
21.53
25
1.042
Shares (diluted)B
1.329
1.435
1.463
1.729
1.951
2.190
2.256
2.375
2.399
2.342
1.044
3.72%
6.17%
20
21.00
Buyback yield%
28.56
31.02
28.68
28.16
30.24
31.80
33.09
30.38
27.66
30.25
13.11
30.38
30.24
69
123.31
Eq/Assets%
231.17
234.73
251.49
263.65
297.08
357.99
390.24
423.06
500.96
501.69
34.59
423.06
327.53
46
3.590
AssetsE£B
64.05
68.52
75.26
84.37
89.54
94.35
104.2
113.3
117.7
127.7
6.814
7.35%
8.30%
85
17.04
LT debtE£B
11.96
11.18
11.41
12.85
13.34
12.57
11.67
11.34
10.20
9.937
3.472
(5.72%)
(1.43%)
78
Total assets
E£127.7B
8.30%
1.19×
Revenue
E£13.66B
6.43%
1.00×
Non-interest expense
E£7.028B
6.36%
0.99×
Net interest income
63.67%
Non-interest income
36.33%