13.22
Revenue£M
39.53
41.54
43.85
46.63
49.04
52.43
56.56
60.80
64.40
69.58
14.73
7.25%
6.50%
91
24.88
Revenue growth%
15.88
16.94
14.27
13.97
13.46
12.00
9.73
10.93
8.00
7.89
27.93
9.73
12.73
77
26.31
NIM%
0.40
0.40
0.40
1.42
0.40
0.40
0.40
2.22
3.50
5.73
17.58
2.22
0.40
37
7.49
Effic. R.%
24.76
24.02
24.26
25.77
23.28
21.85
18.90
20.07
19.60
21.67
26.39
20.07
22.56
31
17.19
Net margin%
1.08
2.81
4.66
1.67
1.54
0.40
0.40
0.40
0.40
0.40
21.85
0.40
0.74
82
10.40
P/E ratio (avg)x
12.87
13.29
14.36
14.61
15.12
16.94
18.59
19.09
18.24
18.28
31.10
18.28
16.03
47
27.57
P/TBVx
30.56
28.57
29.56
31.89
36.37
39.38
39.42
40.62
39.50
42.68
10.57
39.50
37.87
16
33.96
P/Bx
13.07
12.58
14.75
15.03
17.29
16.47
17.02
19.68
21.95
21.60
20.30
19.68
16.75
35
65.28
NII£M
24.28
25.38
26.61
28.77
30.32
31.79
34.79
36.73
40.06
42.00
23.98
6.74%
6.49%
—
3.87
NII grth%
22.93
24.41
24.59
27.29
25.49
22.57
24.88
24.63
25.45
26.99
21.96
24.88
24.75
85
25.97
ROTE%
21.96
24.52
23.50
22.69
20.46
21.81
20.78
20.90
18.43
20.59
25.44
20.78
21.35
16
23.08
Return on equity%
24.98
26.97
29.61
31.15
30.95
32.05
31.60
30.87
30.98
33.23
13.24
31.60
30.97
71
8.32
Return on assets%
7.05
9.32
6.53
9.22
7.61
8.88
7.21
5.62
7.54
7.23
22.07
7.23
7.39
84
0.11
EPS£
0.50
0.57
0.63
0.72
0.85
0.99
0.96
1.06
1.05
1.12
0.12
5.68%
10.22%
—
2.45
EPS growth%
2.97
5.94
6.54
6.34
9.17
7.54
9.03
9.22
7.45
8.55
21.79
8.55
7.49
74
0.28
Bookvalue per sh£
0.10
0.10
0.11
0.10
0.11
0.12
0.13
0.13
0.15
0.14
0.27
4.77%
4.60%
—
0.19
TBV/sh£
0.33
0.30
0.27
0.29
0.28
0.29
0.33
0.34
0.34
0.30
0.15
1.74%
0.29%
—
0.32
Dividend per sh£
0.39
0.39
0.43
0.41
0.44
0.46
0.52
0.50
0.52
0.51
0.39
3.23%
2.90%
—
11.95
Div yield (avg)%
18.04
18.14
18.39
16.56
17.92
15.25
16.14
13.85
13.76
15.12
8.86
15.12
16.35
46
10.42
Payout ratio%
0.60
1.87
3.06
5.33
4.09
2.26
3.20
0.99
3.45
4.52
12.28
3.20
3.13
92
56.44
Shares (diluted)M
63.95
60.76
69.97
67.48
72.44
79.02
74.62
79.06
92.43
104.2
57.34
7.55%
4.48%
8
24.29
Buyback yield%
12.45
10.94
9.17
11.08
8.76
10.47
10.36
7.85
9.32
10.89
6.47
10.36
10.41
35
59.35
Eq/Assets%
173.46
172.15
187.73
228.08
230.77
233.98
272.19
290.92
350.53
397.54
173.04
290.92
232.37
83
42.71
Assets£M
70.31
77.07
79.76
85.64
93.00
100.7
106.9
116.5
129.3
142.0
36.28
8.84%
8.23%
89
25.99
LT debt£M
91.32
91.42
92.87
88.75
91.03
87.88
91.39
90.92
98.68
110.2
45.39
3.89%
2.56%
23
Total assets
£142.0M
8.23%
1.18×
Revenue
£69.58M
6.50%
1.00×
Non-interest expense
£35.04M
6.58%
1.01×
Net interest income
60.37%
Non-interest income
39.63%