15.36
Revenue£M
8.540
9.245
9.908
10.52
11.33
12.15
13.23
14.51
15.57
16.60
16.02
7.93%
7.74%
32
13.23
Revenue growth%
5.76
3.77
4.83
7.56
5.84
2.92
3.44
4.91
6.47
6.70
16.31
4.91
5.33
8
25.04
NIM%
9.58
9.55
11.12
8.90
7.62
6.11
5.10
2.99
5.35
5.39
19.74
5.35
6.87
63
24.14
Effic. R.%
4.36
3.97
6.54
7.62
10.60
10.37
11.61
9.46
11.81
8.89
11.21
10.37
9.17
81
19.39
Net margin%
6.12
4.13
7.09
7.25
7.85
7.26
7.68
9.43
7.20
7.56
24.35
7.56
7.25
43
26.48
P/E ratio (avg)x
36.16
37.59
35.91
37.79
41.80
45.03
47.67
44.01
46.10
45.04
36.97
45.04
42.91
51
24.60
P/TBVx
25.59
27.40
27.84
31.49
32.17
29.90
28.17
26.49
25.85
24.29
16.82
26.49
27.62
12
10.33
P/Bx
32.11
34.58
39.31
37.23
39.07
39.34
38.53
40.85
40.28
45.45
8.598
40.28
39.19
63
19.37
NII£M
6.675
7.306
7.820
8.177
8.897
9.426
10.26
11.42
12.15
13.05
4.896
7.96%
7.74%
—
21.91
NII grth%
13.96
15.24
14.21
11.38
13.47
16.27
13.79
14.60
12.82
10.43
13.58
13.79
13.88
72
22.11
ROTE%
16.23
13.95
14.03
16.42
18.14
15.54
16.88
15.51
17.69
16.92
15.40
16.88
16.32
80
28.52
Return on equity%
17.66
16.51
15.24
14.13
16.38
16.50
18.86
20.67
19.53
20.71
23.54
19.53
17.08
75
13.04
Return on assets%
14.69
15.95
16.02
18.62
19.98
19.15
20.86
19.44
20.40
18.05
23.55
19.44
18.89
58
0.03
EPS£
0.02
0.03
0.03
0.03
0.03
0.04
0.04
0.04
0.04
0.05
0.03
5.70%
7.12%
—
29.33
EPS growth%
24.34
23.94
22.24
20.09
19.95
19.14
21.41
18.67
16.16
14.56
8.65
18.67
20.02
86
0.03
Bookvalue per sh£
0.03
0.04
0.04
0.04
0.05
0.05
0.05
0.05
0.05
0.06
0.02
4.67%
6.72%
—
0.01
TBV/sh£
0.08
0.08
0.09
0.10
0.11
0.11
0.12
0.12
0.13
0.13
0.06
2.88%
4.95%
—
0.03
Dividend per sh£
0.03
0.03
0.04
0.04
0.04
0.04
0.04
0.05
0.05
0.05
0.02
4.64%
5.98%
—
26.08
Div yield (avg)%
22.33
22.12
23.04
21.56
21.76
19.88
19.06
20.08
19.79
20.54
27.28
19.88
21.05
80
24.88
Payout ratio%
21.25
21.40
18.52
16.64
18.11
17.91
17.39
16.72
16.99
15.08
16.28
16.99
17.65
41
255.3
Shares (diluted)M
399.8
429.0
479.3
518.6
567.4
647.0
625.5
691.4
644.2
724.0
247.6
4.99%
7.26%
23
24.82
Buyback yield%
21.03
23.90
22.75
23.87
25.73
28.34
26.49
24.54
23.24
23.66
21.66
24.54
23.88
30
112.98
Eq/Assets%
109.28
117.23
120.72
132.09
129.57
129.36
136.82
161.92
166.85
166.94
91.49
161.92
130.83
12
2.756
Assets£M
51.98
54.78
59.42
63.09
67.82
71.30
77.70
88.15
90.47
100.6
20.08
8.22%
7.95%
90
19.52
LT debt£M
6.923
7.619
8.798
8.997
10.22
9.954
10.35
10.22
9.809
9.983
5.079
(0.46%)
3.75%
23
Total assets
£100.6M
7.95%
1.02×
Revenue
£16.60M
7.74%
1.00×
Non-interest expense
£9.041M
7.75%
1.00×
Net interest income
78.61%
Non-interest income
21.39%