223.0
Revenue£M
247.9
267.5
287.0
301.5
326.3
356.3
374.8
399.3
432.5
465.6
235.5
7.37%
7.23%
21
20.16
Revenue growth%
17.52
19.12
16.81
16.52
15.59
17.42
18.15
18.16
18.89
20.51
17.85
18.16
17.84
90
9.75
NIM%
11.92
10.56
11.49
8.58
6.24
5.03
5.93
8.20
6.65
9.05
15.94
6.65
8.39
67
20.03
Effic. R.%
13.82
13.07
14.95
15.18
12.62
11.87
11.93
11.90
12.69
13.02
22.81
11.93
12.85
11
27.02
Net margin%
14.75
13.24
13.92
16.77
17.72
17.20
14.50
16.92
16.34
15.59
20.61
16.34
15.97
93
23.26
P/E ratio (avg)x
27.14
29.75
29.52
29.51
27.23
28.09
28.88
27.62
25.15
26.54
27.92
27.62
27.85
44
19.41
P/TBVx
13.20
13.44
13.64
13.84
15.58
15.77
15.98
15.01
13.49
15.20
8.193
15.20
14.42
86
36.87
P/Bx
27.11
27.11
27.51
25.00
22.16
20.57
21.97
19.03
16.54
17.64
27.20
19.03
22.07
41
258.9
NII£M
174.5
184.6
198.3
209.5
228.9
251.8
265.2
276.5
306.0
321.0
457.2
7.00%
6.95%
—
28.42
NII grth%
8.10
8.27
6.72
6.88
8.10
10.69
13.24
11.07
8.50
10.52
10.89
10.69
8.38
53
14.84
ROTE%
3.13
3.02
4.51
7.39
7.57
6.08
6.20
3.31
1.70
2.47
25.89
3.31
3.91
50
25.82
Return on equity%
26.89
23.99
25.14
27.17
24.58
26.09
27.93
25.60
27.38
29.31
8.30
27.38
26.49
47
20.98
Return on assets%
15.56
13.20
14.18
11.72
9.51
10.84
10.02
10.87
10.74
11.78
6.79
10.84
11.30
91
6.59
EPS£
22.90
24.39
22.20
24.17
25.08
22.52
24.83
24.56
26.85
26.06
7.06
0.77%
0.42%
—
21.73
EPS growth%
22.16
24.43
24.26
22.07
22.77
24.35
23.00
23.63
21.08
22.88
11.65
23.00
22.94
14
17.48
Bookvalue per sh£
23.46
21.95
19.04
19.65
20.41
17.95
16.18
14.57
15.36
14.59
14.44
(6.50%)
(3.95%)
—
6.45
TBV/sh£
15.11
14.58
16.74
16.73
17.13
16.43
16.41
15.76
15.13
16.75
10.09
(0.45%)
1.22%
—
20.17
Dividend per sh£
23.55
22.32
22.13
21.36
18.90
19.96
18.70
16.91
17.86
16.40
25.31
(2.79%)
(3.68%)
—
8.38
Div yield (avg)%
24.33
22.69
24.55
22.12
20.82
18.44
16.76
17.25
16.47
19.32
3.75
17.25
20.07
20
28.65
Payout ratio%
17.57
19.66
18.33
18.79
16.58
16.89
14.25
15.77
13.38
10.93
12.33
14.25
16.73
65
9.158
Shares (diluted)M
14.90
17.84
20.34
22.32
22.08
25.12
27.71
30.46
36.25
42.08
9.089
13.77%
12.42%
24
14.88
Buyback yield%
4.57
1.94
0.40
0.40
0.40
0.40
0.40
0.40
0.40
1.01
22.66
0.40
0.40
77
109.76
Eq/Assets%
105.08
106.49
110.83
116.65
123.44
136.42
121.80
120.66
106.19
107.31
174.42
120.66
113.74
10
0.420
Assets£B
1.655
1.846
1.944
2.176
2.303
2.593
2.755
2.999
3.323
3.660
0.029
9.71%
9.37%
40
420.7
LT debt£M
27.69
31.24
31.36
35.76
42.36
44.47
44.91
44.71
52.68
51.75
294.2
4.08%
6.96%
17
Total assets
£3.660B
9.37%
1.22×
Revenue
£465.6M
7.23%
1.00×
Non-interest expense
£221.1M
6.95%
0.97×
Net interest income
68.95%
Non-interest income
31.05%