3.685
Revenue£M
22.26
23.13
24.31
25.17
26.18
26.68
27.30
28.76
29.88
31.44
4.019
3.72%
3.99%
32
2.51
Revenue growth%
18.88
18.81
18.86
21.16
22.22
20.09
18.21
17.86
17.67
19.07
8.77
18.21
18.87
33
6.73
NIM%
24.47
24.23
22.57
21.65
23.77
24.03
24.77
25.31
25.80
27.25
7.84
25.31
24.35
25
27.71
Effic. R.%
21.26
18.86
21.35
23.59
20.70
23.29
22.83
21.89
22.23
21.84
21.09
22.23
21.87
62
5.79
Net margin%
27.48
28.57
30.44
28.41
27.76
28.08
28.51
30.17
32.68
30.97
26.51
30.17
28.54
13
13.90
P/E ratio (avg)x
42.01
49.03
47.30
47.58
51.31
53.59
53.71
56.14
56.76
58.96
19.48
56.14
52.45
28
19.37
P/TBVx
20.07
19.73
17.69
17.99
17.53
17.87
16.33
14.06
12.72
13.58
15.97
14.06
17.61
27
9.829
P/Bx
18.84
17.71
16.67
18.02
17.81
18.44
17.28
17.11
18.82
21.41
18.34
18.44
17.92
10
2.359
NII£M
15.29
15.81
16.64
17.23
17.75
18.14
18.34
19.83
20.28
21.20
24.55
3.62%
3.92%
—
13.27
NII grth%
30.36
32.13
33.85
36.46
38.95
40.44
40.91
41.24
43.93
46.84
12.98
41.24
39.70
78
21.91
ROTE%
14.78
16.00
17.27
17.95
17.96
15.10
13.84
12.01
10.91
11.32
20.10
12.01
14.94
65
30.00
Return on equity%
21.91
21.47
23.74
21.14
18.58
18.25
17.77
17.18
15.81
14.17
22.31
17.18
18.42
42
6.09
Return on assets%
19.72
18.65
16.24
16.43
15.27
13.19
13.95
14.88
13.71
11.48
7.09
13.71
15.08
90
0.32
EPS£
1.15
1.23
1.26
1.28
1.46
1.58
1.55
1.51
1.59
1.74
0.35
3.66%
5.04%
—
23.89
EPS growth%
9.40
11.41
11.94
12.78
14.73
15.94
15.65
12.76
14.22
11.50
6.35
14.22
12.77
50
0.44
Bookvalue per sh£
0.62
0.60
0.55
0.55
0.59
0.52
0.49
0.54
0.54
0.60
0.61
0.11%
(1.80%)
—
0.65
TBV/sh£
0.17
0.19
0.18
0.17
0.19
0.18
0.19
0.22
0.25
0.23
0.45
3.63%
3.37%
—
0.70
Dividend per sh£
0.53
0.56
0.62
0.58
0.56
0.59
0.61
0.57
0.61
0.56
0.46
—
(0.29%)
—
10.77
Div yield (avg)%
19.24
19.62
20.73
18.49
17.32
18.18
16.85
19.07
19.53
16.72
8.04
18.18
18.78
84
3.91
Payout ratio%
7.14
6.37
4.90
7.32
8.34
10.05
10.97
10.45
9.13
9.39
8.08
10.05
8.74
83
16.31
Shares (diluted)M
18.81
21.23
24.13
25.75
28.12
26.62
25.40
23.90
22.05
20.34
16.16
(6.27%)
0.49%
70
19.47
Buyback yield%
16.88
18.68
17.81
20.11
22.25
21.27
22.46
20.17
20.76
23.32
10.94
21.27
20.47
8
175.27
Eq/Assets%
44.01
47.97
56.75
67.67
75.61
74.75
78.61
83.38
82.54
96.51
33.43
82.54
75.18
70
10.85
Assets£M
79.69
82.96
92.72
102.7
111.6
115.3
129.4
142.8
153.7
170.3
32.80
8.83%
8.96%
42
11.01
LT debt£M
21.83
22.47
22.35
21.19
19.68
21.09
21.09
19.03
18.76
17.77
3.951
(2.02%)
(1.95%)
70
Total assets
£170.3M
8.96%
1.60×
Revenue
£31.44M
3.99%
1.00×
Non-interest expense
£14.47M
3.75%
0.98×
Net interest income
67.45%
Non-interest income
32.55%