0.441
RevenueE£B
2.897
2.965
2.952
2.996
2.981
2.999
2.997
3.015
2.966
2.929
0.462
(0.35%)
0.27%
90
23.28
Revenue growth%
17.15
18.97
16.91
16.20
15.24
18.08
20.46
21.54
20.24
17.70
2.82
20.24
17.89
44
11.40
NIM%
8.33
5.71
7.80
8.52
8.76
7.68
8.70
7.45
4.91
5.07
13.34
7.45
7.74
55
17.01
Effic. R.%
8.87
8.57
9.89
10.35
11.29
12.60
9.76
12.46
12.74
15.25
12.54
12.60
10.82
50
4.14
Net margin%
20.14
21.31
18.85
16.53
14.35
13.86
13.65
16.48
18.79
19.21
13.78
16.48
17.66
21
24.85
P/E ratio (avg)x
34.79
31.96
28.11
25.67
24.00
23.35
21.78
21.72
23.45
23.52
20.72
23.35
23.76
19
17.88
P/TBVx
8.850
9.793
10.53
9.725
10.00
9.817
9.907
9.039
9.585
9.336
6.752
9.585
9.759
25
10.79
P/Bx
22.41
22.52
21.89
21.98
20.10
20.09
18.45
18.97
17.53
16.64
29.24
18.45
20.09
55
0.606
NIIE£B
1.693
1.757
1.707
1.752
1.749
1.743
1.735
1.741
1.710
1.685
0.782
(0.74%)
0.09%
—
28.23
NII grth%
24.20
26.34
28.22
28.43
29.18
27.30
25.97
28.35
31.23
33.32
22.48
28.35
28.29
67
2.39
ROTE%
18.13
18.85
20.59
20.15
20.09
21.80
24.29
26.04
23.60
25.63
7.50
24.29
21.20
68
28.38
Return on equity%
19.60
21.08
21.76
20.59
19.48
19.48
17.88
19.60
22.29
23.62
11.15
19.60
20.10
33
8.79
Return on assets%
17.71
18.47
15.70
14.81
14.31
14.13
17.06
16.79
13.92
11.40
19.34
14.13
15.26
60
1.46
EPSE£
1.35
1.56
1.65
1.83
1.77
1.87
2.18
2.27
2.53
2.70
1.50
8.83%
7.90%
—
2.74
EPS growth%
12.73
9.84
10.23
9.85
8.14
8.57
9.27
8.53
5.96
3.47
13.96
8.53
8.92
67
0.43
Bookvalue per shE£
0.60
0.62
0.55
0.56
0.52
0.54
0.48
0.40
0.36
0.38
0.97
(6.27%)
(4.92%)
—
1.00
TBV/shE£
1.53
1.58
1.56
1.59
1.80
1.86
1.90
1.92
1.94
2.24
0.84
4.45%
4.33%
—
0.38
Dividend per shE£
1.19
1.25
1.13
1.13
1.08
1.00
1.04
1.08
1.15
1.09
0.90
0.21%
0.13%
—
13.09
Div yield (avg)%
5.71
4.67
7.60
7.49
8.82
7.06
6.76
7.64
7.78
9.32
11.04
7.64
7.54
15
22.05
Payout ratio%
15.61
16.33
16.73
16.47
15.41
14.67
16.87
14.03
15.47
17.11
28.16
15.47
15.97
46
0.709
Shares (diluted)B
0.814
0.912
0.983
1.067
0.991
1.016
0.986
0.944
0.897
0.814
0.710
(3.87%)
0.50%
88
5.70
Buyback yield%
28.81
31.22
33.50
32.20
34.44
31.80
31.85
33.93
33.75
32.73
10.46
32.73
32.47
74
106.90
Eq/Assets%
162.79
161.09
172.26
189.02
188.26
225.57
221.30
244.44
264.87
305.89
10.89
244.44
205.16
74
1.525
AssetsE£B
10.79
12.02
13.39
14.78
15.44
16.49
18.02
19.63
20.91
21.77
0.527
7.11%
8.28%
91
0.917
LT debtE£B
1.018
1.068
1.168
1.258
1.452
1.607
1.623
1.895
1.974
1.864
0.620
5.12%
7.11%
57
Total assets
E£21.77B
8.28%
2.16×
Revenue
E£2.929B
0.27%
1.00×
Non-interest expense
E£1.520B
0.54%
1.03×
Net interest income
57.52%
Non-interest income
42.48%