Member Info for Asperger1

Sounds like a nice little earner - lending the owners the necessary funds to repair/upgrade their property, maybe via Gov backed loan? luvly jubbly

Usual weekend update
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison

On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 292 = 602
Lloy 1905 @ 42.6 = 812

In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 296 = 992
Lloy 1553 @ 42.6 = 662

In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 195 = 749
Lloy 1512 @ 42.6 = 644

In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 182 = 872
Lloy 1504 @ 42.6 = 641

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3296 = £1229
Lloy 1704 @ 42.6 = £726

In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 32.5 = £1265
Lloy 3058 @ 42.6 = £1303

In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 102 = £1094
Lloy 3367 @ 42.6 = £1434

This week's observation - Covid hospital cases & deaths holding steady, Over half adult population jabbed, 2nd jabs overtake 1st jabs, over 45's called for jab, Lockdown continues to be relaxed, UK backs out of EU Super League football

A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.

Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 42.6 = £6390 = +~25% over 1yr

A1

Gap watch

20th-21st Dec 11 - 23.8 - Closed
18th-21st Sept 20 - 25.3 - Closed
28th -1st Sept 20 - 28.1 - Closed
4th-5th June 20 - 34.1 - Closed
10th-11th June 20 - 34.7 - Closed
11th-12th Mar 20 - 41.6 - Closed
1st-6th April 21 - 43p - Closed
21st-24th Feb 20 - 55.2
10th-13th Jan 20 - 60.1
23rd-24th Jun 16 - 71.1
27th-28th Oct 15 - 77.1

Looking to continue the steady recovery - leave no gaps behind

https://www.investopedia.com/articles/trading/05/playinggaps.asp
https://allstarcharts.com/gaps-need-filled/

Time2Retire

The PRA are currently in control of what Banks can & can't pay out, there seems zero chance of a 2021 Q1 divi, The PRA has stated that their restrictions will be review before Q2, guess there's a chance quarterlies may start with Q2?

Lloy have said this -
"Ahead of the update at half year, dividends may be accrued for via capital"
and have also made mention of a possible 'special divi' at year-end
https://www.lse.co.uk/rns/LLOY/2020-full-year-results-ejk2un5dzbotf64.html

The way I read it is. . . as Lloy is currently prevented from paying out divi's their answer is . . . Shareholder funds will accrue in a divi/buyback pot till restrictions are lifted?

Deferred 2019 divi = £1.57bn
Unallocated 2020 profits = £1bn
2021 Q1, Q2, Q3, Q4 post tax profits = £?,???,???,???

Traffic management measures in Kent stood down as trade returns to normal

Hauliers no longer need a Kent Access Permit to travel between the UK and the EU.

https://www.gov.uk/government/news/traffic-management-measures-in-kent-cease-as-trade-returns-to-normal

Sgriffiths -
The PRA are currently in control of what Banks can & can't pay out, there seems zero chance of a 2021 Q1 divi, The PRA has stated that their restrictions will be review before Q2, guess there's a chance quarterlies may start with Q2?

Lloy have said this -
"Ahead of the update at half year, dividends may be accrued for via capital"
and have also made mention of a posible 'special divi' at year-end
https://www.lse.co.uk/rns/LLOY/2020-full-year-results-ejk2un5dzbotf64.html

The way I read it is. . . as Lloy is currently prevented from paying out divi's thier answer is . . . shareholder funds will accrue in a divi/buyback pot till restrictions are lifted?

Deferred 2019 divi = £1.57bn
Unallocated 2020 profits = £1bn
2021 Q1, Q2, Q3, Q4 post tax profits = £?,???,???,???

Hi Wuds, you are right, I stand corrected

"Ahead of the update at half year, dividends may be accrued for via capital"
https://www.lse.co.uk/rns/LLOY/2020-full-year-results-ejk2un5dzbotf64.html

Shareholders divi/buyback pot? -

Deferred 2019 divi = £2.35bn
Unallocated 2020 profits = £1bn
2021 Q1, Q2, Q3, Q4 post tax profits = £?,???,???,???

CEO AHO on Bloomberg

https://www.bloomberg.com/news/articles/2021-04-19/credit-suisse-s-new-chair-horta-osorio-faces-toughest-crisis-yet

A little reminder of what pre Covid looked like

2015
Q1 Underlying £2.1bn Statutory £1.2bn
Q2 Underlying £4.3bn Statutory £1.2bn divi 0.75p
Q3 Underlying £6.3bn Statutory £2.1bn
Q4 Underlying £8.1bn Statutory £1.6bn divi 1.5p + 0.5p special

2016 results
Q1 Underlying £2.1bn Statutory £0.7bn
Q2 Underlying £4.2bn Statutory £2.4bn divi 0.85p
Q3 Underlying £6.1bn Statutory £3.3bn
Q4 Underlying £7.9bn Statutory £4.2bn post tax £2.5bn divi 1.7p + 0.5p Special

2017 results
Q1 Underlying £2.1bn Statutory £1.3bn (+99%) post tax £0.89bn
Q2 Underlying £4.5bn Statutory £2.5bn (+4%) post tax £1.64bn divi 1p
Q3 Underlying £6.6bn Statutory £4.5bn (+38%) post tax £3.1bn
Q4 Underlying £8.5bn Statutory £5.3bn (+24%) post tax £3.55bn divi 2.05p

2018 Results
Q1 Underlying £2.0bn Pre tax £1.6bn (+23%) post tax £1.15bn
Q2 Underlying £4.2bn Pre tax £3.1bn (+23%) post tax £2.27bn divi 1.07p
Q3 Underlying £6.3bn Pre tax £4.9bn (+10%) post tax £3.7bn
Q4 Underlying £8.1bn Pre tax £6.0bn (+23%) post tax £4.4bn divi 2.14p

2019 Results
Q1 Underlying £2.2bn Pre tax £1.6bn post tax £1.2bn
Q2 Underlying £4.2bn Pre tax £2.9bn post tax £2.2bn divi 1.12
Q3 Underlying £6.0bn Pre tax £2.9bn post tax £2bn
Q4 Underlying £7.5bn Pre tax £4.4bn post tax £3.0bn divi 2.24p (deferred)

Usual weekend update
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison

On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 303 = 624
Lloy 1905 @ 43.3 = 825

In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 302 = 1012
Lloy 1553 @ 43.3 = 672

In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 200 = 768
Lloy 1512 @ 43.3 = 656

In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 189 = 905
Lloy 1504 @ 43.3 = 651

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3230 = £1202
Lloy 1704 @ 43.3 = £738

In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 31 = £1206
Lloy 3058 @ 43.3 = £1324

In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 105 = £1127
Lloy 3367 @ 43.3 = £1458

This week's observation - Covid hospital cases & deaths continue to drop, Over half adult population jabbed, 2nd jabs overtake 1st jabs, Lockdown starts to be relaxed, UK morns the loss of Prince Philip, questions arise over Gov lobbying

A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.

Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 43.3 = £6495 = +25% over 1yr

A1

We've come a long long way together
Through the hard times and the good
I have to celebrate you baby
I have to praise you like I should

20th-21st Dec 11 - 23.8 - Closed
18th-21st Sept 20 - 25.3 - Closed
28th -1st Sept 20 - 28.1 - Closed
4th-5th June 20 - 34.1 - Closed
10th-11th June 20 - 34.7 - Closed
11th-12th Mar 20 - 41.6 - Closed
1st-6th April 21 - 43p - Closed
21st-24th Feb 20 - 55.2
10th-13th Jan 20 - 60.1
23rd-24th Jun 16 - 71.1
27th-28th Oct 15 - 77.1

Looking to continue the steady recovery - leave no gaps behind

https://www.investopedia.com/articles/trading/05/playinggaps.asp
https://allstarcharts.com/gaps-need-filled/

While I'm often overly optimistic I think we have to expect a level of covid impact on Q1 earnings, think best we can hope for is a modest profit foundation from which we can build

The PRA has noted its intention to provide a further update on distributions ahead of the 2021 half year results for the large UK banks. It is expected that the PRA will take account of the outcome of the first stage of the Bank of England 2021 solvency stress test exercise in informing its approach to half year distributions. Ahead of the update at half year, dividends may be accrued for via capital, provided this is undertaken on an appropriately prudent basis, but may not be paid.

The Group will update the market on interim dividend payments with the half year results, following receipt of the update from the regulator and based on macroeconomic conditions at the time.

The Board remains committed to future capital returns. In 2021, the Board intends to accrue dividends and resume its progressive and sustainable ordinary dividend policy with the dividend at a higher level than 2020. As normal, the Board will give due consideration at year end to the size of the final dividend payment and any return of surplus capital in addition to the ordinary dividend, based on circumstances at the time.
https://www.lse.co.uk/rns/LLOY/2020-full-year-results-ejk2un5dzbotf64.html

Candidates for the shareholders pot -
Return to normal capitalization £???,???,???
Deferred 2019 divi = £2.35bn
Unallocated 2020 profits = £1bn
2021 Q1, Q2, Q3, Q4 post tax profits = £???,???,???

Can you believe - some are still trying to deny our direction of travel

I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever', 'better else where' or a 'dire share',
On the 8th Oct 2016 I invited WL/Newchurch to choose an alternative ftse 100 company so I could run a comparison

On 8th Oct 2016 - 1000 quid bought 206 BP. shares & 1905 Lloy shares
Today's value
BP. 206 @ 295 = 608
Lloy 1905 @ 43.3 = 825

In April 2017 Invest4life suggested I add Glencore -
On 22-4-17 - 1000 quid bought 335 Glen shares & 1553 Lloy shares
Today's value
Glen 335 @ 289 = 968
Lloy 1553 @ 43.3 = 672

In July 2017 Nucky suggested I add RBS/Natwest -
On 12-7-17 1000 quid bought 384 Nwg & 1512 Lloy
Today's value
NWG 384 @ 197 = 756
Lloy 1512 @ 43.3 = 656

In July 2017 Utrickytrees asked that I add BARC -
On 30-7-17 1000 quid bought 479 Barc & 1504 Lloy
Today's value
Barc 479 @ 186 = 889
Lloy 1504 @ 43.3 = 651

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3183 = £1187
Lloy 1704 @ 43.3 = £738

In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 29 = £1128
Lloy 3058 @ 43.3 = £1324

In April 2020 TheBoard asked that I add RollsRoyce -
On 25-4-20 £1000 bought 322 RR. & 3367 Lloy
Today's value
RR. post 10for3RI 1073 @ 112 = £1202
Lloy 3367 @ 43.3 = £1458

This week's observation - Covid hospital cases & deaths continue to drop, Over half adult population jabbed, 2nd jabs overtake 1st jabs, Lockdown starts to be relaxed, UK morns the loss of Prince Philip

A very basic comparison that does no include divi yield, IMO those still suggesting Lloy is 'the worst share ever' or a 'dire share' seriously need to examine their concept of investing.

Real deal
30-3-20 I bought 15,000 Lloy @ 33.606 = £5040
Current value -
LLoy 15000 @ 43.3 = £6495 = +25% over 1yr

A1

We've come a long long way together
Through the hard times and the good
I have to celebrate you baby
I have to praise you like I should

20th-21st Dec 11 - 23.8 - Closed
18th-21st Sept 20 - 25.3 - Closed
28th -1st Sept 20 - 28.1 - Closed
4th-5th June 20 - 34.1 - Closed
10th-11th June 20 - 34.7 - Closed
11th-12th Mar 20 - 41.6 - Closed
21st-24th Feb 20 - 55.2
10th-13th Jan 20 - 60.1
23rd-24th Jun 16 - 71.1
27th-28th Oct 15 - 77.1

Looking to continue the steady recovery - leave no gaps behind

https://www.investopedia.com/articles/trading/05/playinggaps.asp
https://allstarcharts.com/gaps-need-filled/

Local estate agent to me is turning down new instructions as they are too busy !!!

Retail and out door hospitality re-open Monday - last chance to buy Lloy at basement bargain price

Lloy SP course locked in Cap't - 60 deg true - Steady as she goes