0.126
RevenueE£B
1.701
1.788
1.933
2.089
2.163
2.267
2.425
2.523
2.665
2.760
0.135
4.99%
5.59%
54
6.40
Revenue growth%
25.95
23.15
20.19
19.79
20.37
20.11
20.77
20.65
20.79
17.92
18.60
20.65
20.51
17
6.16
NIM%
17.73
15.31
15.63
14.62
15.50
17.61
14.63
14.43
12.59
13.65
17.72
14.43
14.97
42
6.43
Effic. R.%
21.01
19.96
18.95
19.06
17.12
19.39
18.43
17.54
18.29
20.99
17.40
18.43
19.01
89
20.95
Net margin%
9.38
8.63
6.79
6.52
6.17
4.75
6.54
5.85
8.00
7.80
29.08
6.54
6.67
55
16.81
P/E ratio (avg)x
60.88
63.87
60.61
65.84
72.66
67.03
76.19
86.38
83.51
95.56
30.12
83.51
69.85
20
11.86
P/TBVx
28.90
26.68
24.68
21.73
20.23
20.20
21.54
22.52
22.44
21.73
24.54
21.73
22.09
51
9.207
P/Bx
47.32
54.17
59.65
56.49
61.31
64.98
63.06
70.55
65.75
67.39
29.41
65.75
62.18
92
0.187
NIIE£B
1.119
1.151
1.267
1.347
1.395
1.487
1.571
1.656
1.720
1.781
1.690
5.00%
5.32%
—
23.41
NII grth%
20.75
20.63
22.28
23.81
24.83
23.07
23.13
22.22
24.76
27.41
25.82
23.13
23.10
27
26.69
ROTE%
7.87
10.54
12.12
14.73
11.83
13.39
12.73
10.38
10.32
13.23
27.88
12.73
11.98
77
21.24
Return on equity%
4.02
5.25
4.43
2.79
4.29
5.09
7.60
8.81
7.03
4.91
29.42
7.03
5.00
47
8.05
Return on assets%
2.01
0.40
0.40
0.72
2.17
1.37
0.94
0.40
0.40
2.66
22.08
0.94
0.83
23
0.83
EPSE£
1.67
1.49
1.58
1.56
1.74
1.66
1.79
1.79
1.60
1.72
0.93
(0.21%)
(0.29%)
—
2.69
EPS growth%
3.84
4.31
3.29
0.81
0.40
0.40
2.03
0.40
2.84
2.49
19.81
2.03
2.26
21
0.51
Bookvalue per shE£
0.83
0.92
0.92
0.86
0.86
0.98
1.05
1.13
1.19
1.14
2.07
5.79%
4.39%
—
1.82
TBV/shE£
3.19
3.18
3.53
3.60
3.52
3.41
3.65
4.08
4.18
4.38
2.82
4.49%
3.66%
—
1.39
Dividend per shE£
4.96
5.13
5.94
6.79
7.63
8.10
8.72
9.51
10.33
11.95
1.45
9.40%
8.97%
—
8.96
Div yield (avg)%
12.87
14.80
11.86
11.69
9.84
12.50
14.81
11.83
14.74
12.55
19.97
12.55
12.53
59
23.65
Payout ratio%
27.51
26.50
25.14
23.61
22.43
21.61
20.34
20.23
21.05
19.00
24.77
20.34
22.02
55
1.109
Shares (diluted)B
1.020
1.092
1.006
0.929
0.851
0.784
0.857
0.790
0.744
0.766
1.105
(2.07%)
(3.73%)
95
25.22
Buyback yield%
10.87
12.81
11.84
10.81
9.02
10.26
7.43
9.02
11.19
12.62
12.86
10.26
10.84
66
23.75
Eq/Assets%
86.50
82.18
80.06
80.54
79.42
75.00
81.21
77.92
69.00
68.84
154.24
75.00
79.74
32
0.946
AssetsE£B
4.075
4.544
4.819
5.047
5.369
5.885
6.568
6.770
7.397
8.490
0.868
9.60%
8.78%
61
1.003
LT debtE£B
1.876
2.006
2.152
2.219
2.178
2.346
2.725
2.920
3.222
3.795
1.333
11.74%
7.10%
43
Total assets
E£8.490B
8.78%
1.35×
Revenue
E£2.760B
5.59%
1.00×
Non-interest expense
E£1.457B
5.62%
1.00×
Net interest income
64.55%
Non-interest income
35.45%