365.4
Revenue£M
502.5
500.4
519.3
534.8
545.1
544.2
551.2
557.8
571.3
584.4
405.0
1.40%
1.63%
29
24.78
Revenue growth%
15.13
14.66
14.37
11.83
11.01
8.05
8.62
10.76
11.20
10.12
16.28
10.12
11.10
53
18.81
NIM%
8.02
5.71
6.14
4.01
3.87
1.51
0.40
2.54
1.01
0.63
6.09
1.01
3.21
92
25.64
Effic. R.%
26.26
26.53
28.88
30.14
27.73
25.02
27.21
26.91
28.38
29.63
16.72
27.21
27.47
83
11.36
Net margin%
20.87
22.89
19.92
17.30
15.31
12.96
14.13
14.78
16.49
13.90
3.00
14.13
15.90
9
18.76
P/E ratio (avg)x
18.47
17.71
19.49
20.96
23.69
24.74
25.87
23.95
24.96
28.00
9.256
24.96
23.82
25
37.07
P/TBVx
29.48
27.38
26.94
29.15
28.58
28.13
28.74
30.08
30.00
26.81
33.90
28.74
28.66
61
18.02
P/Bx
29.26
28.77
26.91
27.22
29.16
26.44
28.80
26.59
23.69
24.51
35.13
26.44
27.07
12
282.2
NII£M
363.3
358.7
372.6
388.6
393.9
390.0
402.0
400.0
419.6
419.0
339.4
1.24%
1.40%
—
27.67
NII grth%
30.63
31.31
31.65
30.43
27.95
29.88
29.72
26.97
27.89
27.48
23.18
27.89
29.80
29
6.76
ROTE%
33.36
30.53
31.46
34.00
36.30
34.96
35.18
34.82
33.00
30.27
23.16
34.82
33.68
79
9.57
Return on equity%
27.97
26.08
25.75
27.24
24.34
22.18
23.20
23.84
22.65
24.14
25.16
23.20
24.24
79
16.58
Return on assets%
22.53
23.13
24.31
24.20
22.40
24.17
22.76
20.87
23.09
24.34
16.05
23.09
23.11
26
0.16
EPS£
0.60
0.65
0.72
0.80
0.90
0.93
0.88
0.90
1.00
0.98
0.17
1.70%
4.75%
—
12.78
EPS growth%
19.76
21.71
20.28
17.73
19.92
17.91
16.10
13.50
15.13
15.56
16.23
15.56
17.82
86
0.15
Bookvalue per sh£
0.58
0.69
0.73
0.75
0.77
0.93
1.12
1.12
1.19
1.43
0.30
13.23%
9.85%
—
0.44
TBV/sh£
0.13
0.14
0.15
0.13
0.12
0.12
0.12
0.11
0.11
0.12
0.27
0.79%
(1.71%)
—
0.54
Dividend per sh£
0.21
0.20
0.22
0.24
0.26
0.28
0.27
0.27
0.28
0.28
0.41
1.22%
2.35%
—
28.12
Div yield (avg)%
20.48
19.98
21.32
20.37
21.30
22.36
24.11
24.35
26.43
23.70
26.72
24.11
21.84
47
3.36
Payout ratio%
12.16
10.71
13.37
11.54
14.26
13.19
13.46
13.22
14.21
12.96
6.52
13.22
13.20
21
0.339
Shares (diluted)B
0.566
0.611
0.685
0.741
0.725
0.818
0.955
0.961
1.139
1.130
0.330
9.29%
6.98%
52
24.31
Buyback yield%
3.08
4.19
3.46
2.35
2.62
5.61
5.97
3.49
1.64
3.61
7.20
3.61
3.48
92
24.69
Eq/Assets%
85.83
87.96
86.87
95.88
104.27
109.13
113.69
100.05
104.99
114.61
64.46
109.13
102.16
7
0.106
Assets£B
1.213
1.334
1.459
1.525
1.677
1.858
1.988
2.093
2.352
2.559
0.030
8.82%
8.46%
92
57.71
LT debt£M
447.3
415.0
409.4
424.1
396.6
392.5
377.5
373.2
417.9
418.4
466.2
1.08%
(0.78%)
12
Total assets
£2.559B
8.46%
1.91×
Revenue
£584.4M
1.63%
1.00×
Non-interest expense
£312.0M
1.72%
1.01×
Net interest income
71.69%
Non-interest income
28.31%