138.5
Revenue£M
164.9
169.1
174.3
175.3
180.5
188.5
190.8
196.7
201.1
208.1
148.7
2.90%
2.73%
15
23.86
Revenue growth%
20.25
22.98
23.46
24.81
26.57
24.83
26.65
28.34
27.19
26.23
21.83
26.65
25.53
28
26.99
NIM%
12.80
11.39
13.74
11.36
12.43
12.10
10.09
8.35
7.34
7.77
10.98
8.35
11.38
82
12.03
Effic. R.%
10.59
9.37
8.66
8.97
8.66
7.03
6.66
8.28
5.67
5.60
27.56
6.66
8.47
28
21.17
Net margin%
14.79
15.79
16.04
15.48
14.12
15.27
16.11
18.09
17.35
19.38
19.80
17.35
15.92
72
26.21
P/E ratio (avg)x
42.37
45.45
49.37
47.09
45.31
41.95
47.20
54.12
56.56
56.71
25.66
54.12
47.15
46
32.23
P/TBVx
37.38
38.29
40.92
39.94
41.21
45.03
47.49
53.41
56.18
53.07
36.49
53.07
43.12
64
19.95
P/Bx
33.88
36.62
41.15
46.54
50.77
46.01
46.61
52.08
47.40
54.07
13.98
47.40
46.58
47
64.14
NII£M
129.9
133.0
135.9
136.0
141.2
146.4
150.1
155.2
156.4
163.1
20.34
2.92%
2.79%
—
10.37
NII grth%
28.26
28.88
28.19
29.31
31.94
30.46
29.07
28.36
29.44
28.13
12.92
29.07
28.97
91
6.13
ROTE%
5.00
3.86
3.68
2.72
2.65
1.46
0.40
3.06
3.49
3.69
21.25
3.06
3.28
56
21.90
Return on equity%
11.82
13.08
10.54
13.22
13.83
14.27
14.23
12.52
11.86
13.82
17.38
13.82
13.15
35
11.23
Return on assets%
7.66
7.65
10.10
8.04
7.65
8.94
7.32
8.34
7.67
6.22
8.49
7.67
7.67
69
0.14
EPS£
0.06
0.06
0.06
0.06
0.06
0.07
0.07
0.08
0.09
0.09
0.15
8.08%
4.76%
—
25.53
EPS growth%
28.38
31.05
28.40
27.68
25.80
23.84
21.68
21.02
22.40
23.44
11.51
22.40
24.82
72
0.09
Bookvalue per sh£
0.23
0.25
0.25
0.28
0.30
0.35
0.37
0.42
0.43
0.51
0.05
10.79%
9.13%
—
0.27
TBV/sh£
0.23
0.22
0.23
0.21
0.20
0.21
0.21
0.23
0.21
0.18
0.14
(1.99%)
(3.30%)
—
0.29
Dividend per sh£
0.22
0.25
0.28
0.30
0.33
0.33
0.31
0.32
0.30
0.33
0.05
(0.15%)
5.82%
—
23.47
Div yield (avg)%
29.19
27.91
26.98
27.20
26.83
26.66
29.49
28.80
27.68
25.13
28.18
27.68
27.44
59
23.53
Payout ratio%
22.28
21.21
18.50
19.42
21.60
22.11
21.19
18.91
17.35
20.01
6.35
20.01
20.60
25
692.2
Shares (diluted)M
592.4
537.2
582.8
610.8
669.5
662.9
669.1
634.8
672.2
746.8
677.8
2.21%
2.56%
71
11.23
Buyback yield%
6.14
7.91
9.51
12.41
14.89
15.96
13.53
11.57
11.48
12.95
11.91
12.95
11.99
62
75.71
Eq/Assets%
46.48
49.39
45.33
42.65
47.09
48.07
43.02
40.01
36.32
34.22
77.85
40.01
44.18
15
0.172
Assets£B
0.914
0.960
1.048
1.095
1.151
1.286
1.362
1.432
1.534
1.649
0.203
7.46%
7.03%
65
179.5
LT debt£M
88.86
77.83
71.43
74.36
77.26
74.36
67.82
68.45
68.37
74.10
91.17
(0.83%)
(1.36%)
11
Total assets
£1.649B
7.03%
1.51×
Revenue
£208.1M
2.73%
1.00×
Non-interest expense
£97.85M
2.79%
1.01×
Net interest income
78.36%
Non-interest income
21.64%