164.7
Revenue£M
340.8
350.5
355.7
354.6
353.6
361.6
360.2
363.8
370.9
368.9
182.3
0.85%
0.95%
29
8.57
Revenue growth%
13.93
11.90
14.54
12.47
14.85
12.42
11.10
11.98
12.27
10.93
27.74
11.98
12.35
47
9.52
NIM%
5.50
7.69
5.91
3.03
5.59
6.22
3.31
5.53
5.85
4.96
3.29
5.53
5.56
10
24.99
Effic. R.%
32.38
30.48
29.57
27.62
24.89
26.92
26.30
25.50
25.00
22.95
14.97
25.50
26.61
10
8.40
Net margin%
11.95
10.71
10.30
9.75
9.64
7.23
9.07
9.97
7.67
9.45
10.97
9.07
9.69
88
32.73
P/E ratio (avg)x
26.92
24.35
23.21
22.42
22.12
22.67
23.89
25.93
27.52
27.01
13.31
25.93
24.12
30
23.36
P/TBVx
38.35
37.27
35.53
37.79
38.91
37.00
37.05
41.00
38.82
42.49
28.26
38.82
38.07
49
8.486
P/Bx
25.79
26.66
27.36
24.89
22.35
24.41
22.59
23.36
21.88
23.01
7.867
23.01
23.89
82
33.59
NII£M
231.3
234.6
241.7
239.6
239.9
239.6
240.9
246.2
246.6
248.3
158.4
0.69%
0.99%
—
25.58
NII grth%
17.88
17.27
19.24
16.33
16.19
14.47
17.29
19.77
18.02
16.65
10.79
17.29
17.28
77
3.53
ROTE%
20.40
18.34
17.58
20.35
20.75
23.20
21.14
24.08
23.32
21.49
5.76
23.20
20.95
31
17.64
Return on equity%
3.98
4.07
3.97
3.00
2.14
0.97
0.88
2.86
3.80
2.62
21.46
2.62
2.93
88
13.85
Return on assets%
16.19
14.51
14.44
12.44
9.56
8.80
9.30
8.51
9.58
7.64
12.46
8.80
9.57
15
0.05
EPS£
0.12
0.12
0.11
0.11
0.10
0.09
0.09
0.08
0.08
0.09
0.05
(3.12%)
(4.01%)
—
15.03
EPS growth%
26.19
25.88
26.78
24.63
26.13
26.91
24.24
27.22
26.83
25.28
25.74
26.83
26.16
71
0.16
Bookvalue per sh£
0.07
0.08
0.08
0.08
0.07
0.07
0.06
0.06
0.06
0.06
0.13
(3.06%)
(1.79%)
—
0.27
TBV/sh£
0.12
0.13
0.14
0.15
0.14
0.15
0.16
0.17
0.19
0.19
0.26
6.43%
4.14%
—
0.12
Dividend per sh£
0.06
0.06
0.05
0.05
0.05
0.06
0.07
0.06
0.06
0.07
0.20
3.83%
0.98%
—
21.99
Div yield (avg)%
12.38
10.66
12.80
12.17
12.67
13.75
13.19
11.70
14.70
13.34
24.39
13.34
12.74
94
29.91
Payout ratio%
3.93
1.94
4.58
3.86
3.25
4.89
4.81
4.08
6.76
9.17
6.64
4.89
4.33
61
0.520
Shares (diluted)B
0.746
0.774
0.884
0.878
0.913
0.954
1.090
1.299
1.373
1.371
0.520
8.49%
6.67%
92
11.47
Buyback yield%
7.03
7.02
7.27
5.13
6.17
7.61
4.74
7.57
8.79
5.97
3.63
7.57
7.02
54
63.91
Eq/Assets%
71.81
77.26
89.50
98.51
98.78
101.37
98.97
111.41
128.44
130.94
61.10
111.41
98.88
57
163.5
Assets£M
247.2
267.9
294.5
316.4
344.6
370.3
383.3
414.2
453.5
491.3
261.8
7.35%
8.01%
39
80.27
LT debt£M
67.44
60.43
60.38
58.33
63.51
62.57
67.17
69.21
65.57
69.62
97.99
1.85%
(0.53%)
28
Total assets
£491.3M
8.01%
1.97×
Revenue
£368.9M
0.95%
1.00×
Non-interest expense
£200.4M
0.75%
0.98×
Net interest income
67.31%
Non-interest income
32.69%