16.92
Revenue£M
51.43
54.11
56.95
57.87
59.57
62.02
64.40
67.23
70.24
72.54
18.50
4.02%
3.95%
75
24.79
Revenue growth%
0.40
0.40
0.40
0.40
2.64
4.28
3.23
3.85
3.54
1.38
13.31
3.54
2.01
67
28.06
NIM%
19.35
20.57
19.54
20.90
23.32
24.24
26.99
24.01
25.10
22.41
12.82
24.24
22.87
13
28.77
Effic. R.%
24.94
24.11
24.97
25.26
27.54
29.44
30.74
33.57
33.44
33.93
9.51
33.44
28.49
73
20.10
Net margin%
23.63
25.86
27.15
25.65
26.79
24.30
24.52
27.15
28.04
26.20
13.31
26.20
26.03
55
30.79
P/E ratio (avg)x
11.31
11.78
13.22
14.49
16.01
17.02
18.80
20.99
21.28
21.57
16.82
20.99
16.51
74
32.88
P/TBVx
11.57
12.79
12.03
13.17
12.97
12.40
11.80
11.18
11.71
12.43
20.96
11.80
12.22
14
10.66
P/Bx
50.43
58.66
67.53
74.48
79.15
78.05
79.47
78.79
89.47
94.16
10.34
79.47
78.42
60
44.59
NII£M
34.64
37.15
38.79
39.87
40.36
42.84
44.02
45.44
47.38
49.64
90.97
4.22%
3.86%
—
6.08
NII grth%
4.59
5.81
3.89
6.25
6.70
8.57
10.31
11.60
9.91
9.33
12.65
9.91
7.64
50
16.28
ROTE%
12.93
13.60
13.17
13.88
14.80
14.44
14.19
15.51
13.78
15.21
17.60
14.44
14.04
48
19.44
Return on equity%
20.37
19.23
21.35
20.92
21.74
20.69
20.95
20.96
23.87
25.00
11.23
20.96
20.95
78
19.86
Return on assets%
18.68
19.58
16.65
19.21
19.45
20.87
23.22
23.40
24.10
22.81
28.04
23.22
20.22
75
0.92
EPS£
0.37
0.32
0.31
0.30
0.28
0.28
0.24
0.22
0.22
0.21
1.01
(5.53%)
(4.74%)
—
19.38
EPS growth%
13.16
15.44
15.66
14.08
14.21
13.37
12.19
10.88
8.07
10.24
12.91
10.88
13.26
61
0.26
Bookvalue per sh£
1.80
2.01
2.09
2.03
2.11
2.07
2.36
2.72
2.58
2.95
1.01
6.99%
5.57%
—
0.90
TBV/sh£
1.14
1.21
1.35
1.50
1.69
1.69
1.93
1.83
1.70
1.83
0.64
1.64%
6.30%
—
0.22
Dividend per sh£
0.56
0.57
0.60
0.59
0.61
0.61
0.57
0.62
0.58
0.52
0.76
(3.10%)
(2.02%)
—
13.10
Div yield (avg)%
8.84
11.73
14.35
17.05
18.97
18.09
15.65
13.23
12.72
15.72
13.31
15.65
15.00
47
20.82
Payout ratio%
27.85
26.28
27.60
27.00
24.14
25.96
26.36
28.62
30.11
30.10
20.04
28.62
27.30
37
18.40
Shares (diluted)M
16.97
16.33
18.39
19.32
22.01
20.16
22.05
20.21
22.19
23.07
18.93
0.95%
2.57%
45
20.01
Buyback yield%
29.50
26.52
25.36
27.99
27.85
29.99
27.17
27.39
25.58
27.32
6.93
27.32
27.35
66
84.16
Eq/Assets%
46.22
51.82
55.70
57.88
66.84
62.51
72.43
71.56
67.02
75.66
38.47
71.56
64.68
38
46.76
Assets£M
88.93
98.38
102.1
117.7
125.0
133.2
145.1
155.8
168.7
178.2
60.04
7.35%
8.32%
6
10.17
LT debt£M
51.73
55.77
55.52
52.34
48.18
50.17
54.17
59.85
67.43
64.64
43.35
6.05%
2.90%
75
Total assets
£178.2M
8.32%
1.51×
Revenue
£72.54M
3.95%
1.00×
Non-interest expense
£40.37M
4.00%
1.00×
Net interest income
68.43%
Non-interest income
31.57%