44.50
Revenue£M
53.74
53.03
52.41
53.16
52.43
52.45
53.46
54.03
54.62
54.10
46.46
0.63%
0.16%
53
14.70
Revenue growth%
23.10
22.52
24.95
26.26
28.14
29.63
30.24
33.11
35.15
34.76
8.52
33.11
28.89
44
13.36
NIM%
7.09
7.55
9.78
9.64
10.88
9.66
6.88
8.34
9.07
10.33
2.02
9.07
9.35
90
2.63
Effic. R.%
21.84
21.59
23.27
26.17
25.37
25.75
26.12
24.18
24.54
27.25
26.58
25.75
24.95
92
12.44
Net margin%
8.08
6.79
5.10
8.04
9.58
9.39
7.73
9.47
9.31
6.95
28.25
9.31
8.06
27
28.99
P/E ratio (avg)x
16.85
18.71
18.80
17.47
16.00
17.50
16.35
14.92
13.49
13.70
9.659
14.92
16.60
59
7.105
P/TBVx
12.49
12.83
12.53
14.41
16.38
16.76
16.37
18.77
22.18
25.83
26.49
18.77
16.37
71
8.603
P/Bx
62.14
67.58
67.92
73.94
87.91
103.9
102.3
122.7
141.0
146.4
14.90
122.7
95.12
69
39.72
NII£M
41.66
41.28
40.09
41.34
40.93
40.62
41.36
41.83
41.94
41.80
4.700
0.42%
0.21%
—
26.59
NII grth%
28.48
25.87
26.86
24.28
25.18
27.58
30.30
31.87
29.81
32.78
23.31
30.30
28.03
69
3.56
ROTE%
5.15
5.50
7.75
9.29
11.76
9.33
7.56
8.60
10.16
9.06
10.23
9.06
8.83
73
17.88
Return on equity%
11.06
9.25
11.85
10.59
12.24
12.73
10.94
12.12
10.69
9.52
28.84
10.94
11.00
71
10.75
Return on assets%
8.27
9.29
9.96
10.09
13.05
10.19
9.91
10.40
9.99
11.96
29.50
10.19
10.04
53
0.06
EPS£
0.25
0.25
0.24
0.27
0.28
0.31
0.34
0.36
0.40
0.43
0.06
8.86%
6.50%
—
9.04
EPS growth%
13.60
15.69
15.13
15.46
13.54
14.78
17.56
20.52
19.68
17.45
23.09
17.56
15.57
44
0.15
Bookvalue per sh£
0.09
0.09
0.08
0.07
0.06
0.06
0.07
0.07
0.07
0.06
0.15
0.32%
(3.39%)
—
0.08
TBV/sh£
0.04
0.03
0.03
0.03
0.03
0.02
0.02
0.02
0.02
0.02
0.05
(1.63%)
(3.53%)
—
0.07
Dividend per sh£
0.28
0.32
0.33
0.32
0.33
0.35
0.42
0.50
0.55
0.62
0.12
13.24%
9.97%
—
3.81
Div yield (avg)%
24.91
27.65
25.23
27.46
27.58
26.61
28.52
28.52
31.16
31.94
23.14
28.52
27.62
23
15.00
Payout ratio%
24.05
24.52
25.50
27.25
26.37
27.53
28.61
29.70
32.35
34.26
8.15
29.70
27.39
21
250.0
Shares (diluted)M
230.4
227.1
214.0
209.6
218.3
215.5
188.9
206.0
200.6
223.0
254.7
0.43%
(1.44%)
70
4.12
Buyback yield%
23.54
24.45
27.06
29.49
31.34
30.25
32.31
32.99
33.66
31.89
10.75
32.31
30.80
43
81.00
Eq/Assets%
143.35
167.39
201.35
216.42
218.01
225.04
265.98
307.29
346.26
364.66
121.76
307.29
221.52
39
8.346
Assets£M
112.4
125.8
133.9
146.2
166.2
184.2
201.4
213.2
241.3
256.9
43.99
9.09%
8.95%
64
49.87
LT debt£M
6.151
5.298
5.042
4.853
4.411
4.441
4.542
4.647
4.611
4.432
30.23
0.10%
(4.58%)
64
Total assets
£256.9M
8.95%
2.32×
Revenue
£54.10M
0.16%
1.00×
Non-interest expense
£31.35M
0.29%
1.01×
Net interest income
77.26%
Non-interest income
22.74%
Spread over hurdle
10.98%