64.60
Revenue£M
49.69
52.14
55.30
58.61
62.20
66.66
70.89
74.92
79.48
66.97
71.38
6.28%
5.77%
32
26.54
Revenue growth%
6.78
5.79
4.59
2.77
0.40
2.61
4.08
5.64
5.70
7.63
26.76
4.08
5.12
87
15.65
NIM%
19.72
21.83
20.97
20.70
23.36
24.55
23.03
25.84
24.82
11.66
5.84
24.55
22.43
65
10.30
Effic. R.%
13.39
16.30
17.96
16.44
17.14
16.46
18.22
21.21
18.51
15.73
20.63
18.22
16.80
48
27.37
Net margin%
24.89
22.83
22.26
23.70
24.55
22.76
20.59
18.32
18.89
10.17
25.37
20.59
22.80
25
36.72
P/E ratio (avg)x
15.71
17.22
16.46
17.61
17.15
19.10
20.45
20.71
19.62
17.45
9.497
19.62
17.41
93
31.58
P/TBVx
19.48
20.95
22.97
26.03
28.56
31.73
33.37
32.73
34.35
35.30
20.48
32.73
27.29
92
18.43
P/Bx
25.41
24.31
26.68
28.30
27.48
30.59
33.69
31.26
27.72
19.23
12.84
30.59
27.99
81
66.34
NII£M
36.94
38.72
40.84
43.00
45.47
48.90
52.64
54.38
58.19
19.91
17.54
6.24%
5.61%
—
27.83
NII grth%
28.42
27.09
26.92
28.37
27.05
27.94
30.86
30.32
28.24
13.80
5.78
28.24
28.30
51
2.26
ROTE%
4.40
5.34
3.41
3.03
2.62
4.52
6.76
5.57
2.78
23.86
27.92
4.52
3.90
38
5.02
Return on equity%
29.27
27.59
28.30
25.46
25.58
24.04
23.44
21.58
19.78
28.46
7.01
23.44
25.52
65
22.17
Return on assets%
14.52
14.75
12.46
13.57
10.78
12.28
12.96
12.18
11.73
12.18
16.48
12.18
12.59
50
0.62
EPS£
0.46
0.47
0.53
0.52
0.54
0.54
0.57
0.56
0.52
0.68
0.76
(0.06%)
0.93%
—
16.31
EPS growth%
30.98
33.37
33.85
32.11
29.33
28.25
26.42
28.45
29.90
19.62
9.54
28.45
29.61
57
0.22
Bookvalue per sh£
0.18
0.17
0.15
0.16
0.15
0.15
0.16
0.14
0.12
0.16
0.48
(5.34%)
(6.32%)
—
0.73
TBV/sh£
0.94
1.10
1.10
1.24
1.47
1.70
1.97
2.00
1.97
0.24
0.54
9.72%
10.37%
—
0.63
Dividend per sh£
0.11
0.11
0.11
0.12
0.13
0.11
0.12
0.13
0.11
0.16
0.58
(1.70%)
(0.76%)
—
13.00
Div yield (avg)%
22.12
24.96
26.49
27.73
30.48
29.02
30.57
32.38
31.16
8.84
8.72
30.57
28.37
37
29.48
Payout ratio%
11.73
13.94
12.76
10.05
8.95
9.78
9.46
11.21
11.14
26.81
18.28
9.78
10.97
49
33.39
Shares (diluted)M
21.92
19.49
18.20
18.03
19.83
20.67
18.17
17.67
18.13
32.39
32.89
0.11%
(3.35%)
13
20.59
Buyback yield%
11.81
11.03
9.78
7.56
9.91
9.63
12.44
14.99
16.16
21.38
23.59
12.44
11.42
72
58.41
Eq/Assets%
34.01
33.43
30.76
33.67
31.07
32.14
31.00
29.36
31.84
172.27
179.52
31.07
31.99
63
10.40
Assets£M
226.9
250.3
257.3
289.9
317.9
341.4
383.6
412.4
455.8
65.48
31.81
9.47%
8.83%
43
12.91
LT debt£M
68.46
73.43
76.81
76.63
78.62
82.12
75.87
86.74
79.54
62.44
51.69
0.75%
2.55%
41
Total assets
£455.8M
8.83%
1.33×
Revenue
£79.48M
5.77%
1.00×
Non-interest expense
£43.74M
5.76%
1.00×
Net interest income
73.22%
Non-interest income
26.78%