175.8
Revenue£M
364.1
378.7
388.0
391.1
401.6
407.8
414.3
418.7
423.0
186.0
183.4
1.58%
1.98%
30
23.28
Revenue growth%
6.69
5.54
3.10
2.60
0.40
0.40
1.37
2.19
2.88
3.70
8.30
1.37
2.74
25
9.00
NIM%
12.31
13.74
14.09
14.33
15.46
13.64
14.97
13.47
13.19
14.19
29.32
13.64
13.69
73
19.95
Effic. R.%
3.29
3.14
2.15
3.70
3.84
5.78
8.12
8.05
6.22
21.02
22.99
6.22
3.82
59
19.34
Net margin%
29.81
32.44
35.26
37.04
38.67
39.58
42.28
42.59
40.15
10.24
20.97
40.15
37.85
11
23.85
P/E ratio (avg)x
28.73
28.75
26.17
28.26
26.35
24.53
25.30
27.41
27.13
34.53
25.10
26.35
27.27
12
29.11
P/TBVx
21.05
19.84
20.00
20.59
21.24
23.19
21.46
18.67
16.16
16.46
34.87
21.24
20.82
38
6.363
P/Bx
48.01
57.04
66.63
78.84
94.36
99.13
118.1
140.0
167.3
22.82
8.119
118.1
86.60
29
63.00
NII£M
203.9
213.4
220.0
221.6
220.8
226.3
232.2
231.7
232.5
15.26
319.0
0.97%
1.90%
—
3.52
NII grth%
26.12
24.42
21.44
18.44
16.99
16.11
19.04
18.48
20.13
12.08
25.95
18.48
19.58
38
22.64
ROTE%
26.33
24.31
25.18
22.64
19.92
21.26
23.88
25.25
23.88
20.25
7.81
23.88
24.09
43
22.17
Return on equity%
3.74
3.09
3.50
0.68
1.94
3.53
6.31
4.27
6.02
18.64
24.91
4.27
3.51
95
13.76
Return on assets%
16.09
13.95
16.84
15.93
14.26
12.65
11.49
13.61
11.57
24.71
18.46
12.65
13.95
24
0.19
EPS£
0.21
0.21
0.21
0.19
0.19
0.20
0.22
0.19
0.19
0.21
0.23
0.10%
(0.35%)
—
18.68
EPS growth%
14.87
13.67
11.47
12.21
9.54
12.43
14.15
14.92
15.36
18.20
16.47
14.15
13.18
52
0.77
Bookvalue per sh£
0.59
0.68
0.69
0.64
0.62
0.64
0.73
0.73
0.74
0.39
0.21
2.72%
3.83%
—
0.25
TBV/sh£
0.60
0.57
0.63
0.64
0.69
0.78
0.85
0.98
0.94
0.54
0.45
7.98%
5.53%
—
0.96
Dividend per sh£
1.17
1.26
1.37
1.51
1.73
1.80
2.05
1.95
2.14
0.19
1.01
7.20%
6.32%
—
25.50
Div yield (avg)%
22.37
22.29
21.58
22.79
24.60
22.79
23.89
26.09
26.15
23.84
9.30
24.60
23.34
70
28.33
Payout ratio%
17.57
16.27
13.64
13.58
13.15
15.96
13.25
15.55
17.44
20.11
17.00
15.55
15.75
64
176.3
Shares (diluted)M
167.5
175.4
181.0
156.5
155.7
160.0
163.3
169.7
164.8
182.2
183.2
1.04%
0.93%
41
29.28
Buyback yield%
5.78
8.75
10.97
13.58
15.95
14.09
15.24
14.78
13.90
13.80
22.33
14.78
13.74
63
134.96
Eq/Assets%
9.96
8.70
8.18
7.95
8.41
8.71
7.69
8.05
7.63
66.22
14.83
8.05
8.30
51
0.179
Assets£B
1.277
1.399
1.549
1.643
1.695
1.939
2.153
2.311
2.395
0.081
0.251
7.83%
8.55%
45
178.3
LT debt£M
171.2
159.5
167.5
158.2
166.3
173.1
172.5
149.2
142.6
203.5
317.5
(2.06%)
(2.17%)
9
Total assets
£2.395B
8.55%
1.87×
Revenue
£423.0M
1.98%
1.00×
Non-interest expense
£193.3M
1.71%
0.97×
Net interest income
54.97%
Non-interest income
45.03%