10.75
Revenue£M
6.241
6.768
7.497
8.126
8.840
9.640
10.45
11.59
12.58
13.48
10.97
8.81%
9.05%
23
26.63
Revenue growth%
0.40
2.11
4.00
2.93
2.73
0.46
0.40
0.40
0.40
3.36
14.25
0.40
1.29
44
25.13
NIM%
31.36
33.38
32.13
29.13
30.33
27.54
29.24
30.63
31.95
29.46
24.62
29.46
30.48
54
19.31
Effic. R.%
5.79
3.44
3.73
4.85
5.58
7.48
6.00
8.04
7.11
8.20
16.99
7.48
5.89
33
15.47
Net margin%
27.12
24.73
26.46
28.54
29.73
31.24
28.90
28.71
29.65
28.89
20.88
28.90
28.80
88
7.855
P/E ratio (avg)x
19.18
16.57
17.20
15.25
15.43
13.93
11.97
11.60
10.93
11.35
21.53
11.60
14.59
45
31.87
P/TBVx
37.95
36.07
40.25
41.91
46.98
49.02
51.86
48.64
48.74
45.07
6.067
48.74
46.02
17
6.074
P/Bx
11.86
12.65
12.45
13.29
12.84
14.17
16.02
15.45
17.82
20.44
12.41
16.02
13.73
9
3.218
NII£M
3.961
4.279
4.739
5.200
5.669
6.152
6.692
7.456
8.135
8.721
8.562
8.99%
9.25%
—
11.79
NII grth%
10.32
10.43
10.94
13.19
14.29
16.99
16.79
17.01
15.57
12.88
5.71
16.79
13.74
10
6.56
ROTE%
20.87
22.21
22.90
21.86
21.93
20.52
17.88
16.80
19.01
19.55
20.07
19.01
20.69
40
7.99
Return on equity%
7.63
8.84
11.76
9.02
9.67
10.24
8.04
5.75
8.32
9.24
18.78
8.32
8.93
21
14.86
Return on assets%
11.50
10.48
7.72
9.72
9.28
8.49
10.55
12.89
15.38
12.39
5.59
12.39
10.51
46
0.02
EPS£
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.02
2.41%
(2.08%)
—
10.13
EPS growth%
27.17
29.25
29.16
30.75
30.75
30.52
29.03
29.33
30.43
31.41
23.03
30.43
29.88
22
0.02
Bookvalue per sh£
0.01
0.01
0.01
0.01
0.02
0.02
0.02
0.02
0.02
0.02
0.01
2.03%
4.97%
—
0.02
TBV/sh£
—
—
—
—
0.01
0.01
0.01
0.01
0.01
0.01
0.02
9.43%
6.06%
—
0.01
Dividend per sh£
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.02
(5.19%)
(2.63%)
—
15.47
Div yield (avg)%
25.80
23.04
25.38
24.23
25.40
27.78
26.52
24.58
23.50
21.61
27.01
24.58
24.98
41
6.39
Payout ratio%
11.81
11.99
14.04
13.68
12.13
13.13
13.19
15.06
12.57
11.56
29.83
13.13
12.85
50
125.0
Shares (diluted)M
228.9
252.7
248.1
283.0
304.7
341.1
392.8
419.2
472.1
544.2
122.6
12.29%
10.95%
51
21.68
Buyback yield%
28.82
31.65
30.18
32.00
29.28
28.52
29.17
31.55
30.95
33.26
7.76
30.95
30.56
24
64.27
Eq/Assets%
127.44
148.35
161.34
159.12
178.28
179.17
179.93
175.23
172.91
194.79
118.72
179.17
174.07
60
2.268
Assets£M
19.54
20.54
22.94
24.86
27.46
29.38
31.11
33.09
36.13
39.19
2.761
7.37%
7.95%
7
2.143
LT debt£M
0.328
0.281
0.262
0.266
0.282
0.271
0.275
0.248
0.257
0.253
8.147
(2.11%)
(3.90%)
61
Total assets
£39.19M
7.95%
0.90×
Revenue
£13.48M
9.05%
1.00×
Non-interest expense
£6.822M
9.40%
1.03×
Net interest income
64.68%
Non-interest income
35.32%