128.7
Revenue£M
132.1
136.6
139.5
141.0
141.8
142.0
144.7
145.5
146.6
152.1
138.6
1.41%
1.85%
33
7.13
Revenue growth%
18.79
21.13
19.23
22.20
19.51
17.98
15.32
18.02
20.17
22.72
25.91
18.02
19.37
49
6.02
NIM%
24.16
25.56
23.64
23.06
24.39
23.16
25.95
28.39
26.83
25.69
8.55
25.95
24.97
94
24.00
Effic. R.%
5.90
8.58
11.04
9.57
11.01
8.79
9.29
9.72
6.81
6.34
25.03
8.79
9.04
14
8.81
Net margin%
29.70
28.22
28.32
29.35
30.00
30.71
31.04
32.99
31.23
30.07
14.01
31.04
30.04
17
6.501
P/E ratio (avg)x
24.67
24.60
28.80
29.75
33.53
38.12
37.82
36.83
36.17
39.79
10.59
37.82
34.85
56
29.55
P/TBVx
26.00
25.72
23.57
22.93
23.86
25.38
23.03
22.02
21.74
19.56
24.22
22.02
23.30
74
10.41
P/Bx
18.95
21.80
22.16
26.62
30.72
31.98
36.82
41.48
42.51
45.07
24.42
41.48
31.35
93
10.38
NII£M
93.12
95.35
98.36
98.82
99.87
98.22
102.2
100.6
102.1
106.9
149.3
1.38%
1.94%
—
18.90
NII grth%
32.12
32.50
29.58
31.36
29.81
29.02
31.87
34.59
31.85
30.81
29.72
31.85
31.61
69
20.71
ROTE%
31.72
30.32
32.43
30.76
30.64
30.82
30.54
31.73
31.01
32.68
8.74
31.01
30.92
32
4.37
Return on equity%
28.46
28.28
25.41
23.93
21.53
18.80
19.86
20.61
21.54
24.29
13.26
20.61
22.73
57
27.31
Return on assets%
15.91
18.64
17.32
18.41
19.81
18.32
18.66
17.51
17.32
15.27
21.00
17.51
17.91
85
0.19
EPS£
0.46
0.49
0.49
0.53
0.47
0.51
0.55
0.53
0.53
0.53
0.20
2.50%
1.59%
—
12.24
EPS growth%
20.64
20.73
19.37
19.79
19.50
17.39
14.84
15.34
14.31
14.45
10.28
14.84
18.38
91
0.59
Bookvalue per sh£
0.85
0.78
0.79
0.74
0.74
0.76
0.83
0.79
0.79
0.88
0.21
3.69%
1.60%
—
0.65
TBV/sh£
0.23
0.22
0.23
0.22
0.24
0.24
0.26
0.28
0.26
0.26
0.24
1.71%
2.48%
—
0.19
Dividend per sh£
0.15
0.15
0.14
0.15
0.15
0.16
0.15
0.14
0.13
0.14
0.58
(2.38%)
(1.83%)
—
22.45
Div yield (avg)%
13.03
10.89
10.97
8.60
7.49
8.07
8.43
10.87
8.84
11.78
3.01
8.84
9.86
81
20.08
Payout ratio%
23.27
25.93
25.51
27.66
30.49
30.23
29.41
27.34
26.75
28.37
10.72
28.37
27.50
37
148.5
Shares (diluted)M
144.9
161.6
147.0
135.0
144.5
141.9
157.2
179.3
182.0
187.9
147.9
5.40%
2.71%
25
25.30
Buyback yield%
21.70
21.26
23.49
26.44
23.83
25.83
27.07
29.06
31.14
29.07
24.43
29.06
26.14
68
60.67
Eq/Assets%
40.96
39.07
40.87
39.36
38.88
41.84
45.36
48.03
46.61
42.08
151.98
45.36
41.40
78
145.1
Assets£M
307.2
341.7
368.7
401.4
429.6
480.0
521.7
576.0
637.8
688.1
118.5
9.88%
9.35%
84
66.52
LT debt£M
59.94
63.83
68.60
68.80
71.22
66.48
58.63
62.61
67.38
61.14
94.77
(3.01%)
(0.41%)
52
Total assets
£688.1M
9.35%
2.04×
Revenue
£152.1M
1.85%
1.00×
Non-interest expense
£88.81M
2.11%
1.03×
Net interest income
70.31%
Non-interest income
29.69%
Spread over hurdle
12.17%