Member Info for Asperger1

Chasbrown - Only thing we know for sure is, there will be a divi announcement along side year end results, 24th Feb

https://www.lloydsbankinggroup.com/investors/shareholder-information/financial-calendar.html

Less than 1 week till cut off date

Rules -
* You have one guess at Lloyds closing SP on the last trading day of 2021
* Closest guess wins, winner to chose from list of charities on Justgiving.com
* By entering a whole number guess you pledged to contribute a min. £10
* Ha'penny guess (eg 99.5) you pledged to contribute a min. £20
* Any other fractions you pledge to contribute a min. £30
* Last day for entry Friday 15-1-21

Newchurch - 18p
Wids - 21p
Darth.Trader - 23.55p
Triflepig - 24p
John46 - 39p
LEVIS - 40p
Greenwich - 41p
Ratherbelucky - 42p
Broadland - 43.5p
Wantabagger - 44p
Simeon1 - 49p
Italdo - 51p
SkankerMan - 54p
Theosus - 55p
Motbuck - 56p
DCB - 58p
Highveld - 59p
VictorBlank - 60p
QuietlyCautious - 61p
Markhouse999 - 62p
SUFCESSEX - 63p
Walkersworld - 64p
Baggs - 65p
Rico1991 - 66p
Goonerpete - 67p
MarbleMadness - 68p
Jakespear - 69p
Falklandinvestor - 70p
RetiredCopper - 71p
Foxhound - 75p
Boldboy - 76p
Chrisw01 - 84p
SP61GHT - 88p
Backbencher - 89p
GRBfromYorkshire - 90p
TheFarEnd - 90.5p
Betterupthandown - 93.33p
Onelongrunner - 108p
Y11-shx - 112.66p
Hollybean - 117p
Asperger - 135p
Goonerpete - £4.51.5p

Additional pledges
falklandinvestor - If I win the competition I will donate £100
Hollybean - additional pledge from me £117 if I win
Walkersworld - if I win @64p I will donate £640
Triflepig - If it hits 20p I’ll add £40 to my contribution

Mr Meerkat's YE2020 competition was won by Mr DCB
Many thanks to all who have already donated, over £600 raised so far
https://www.justgiving.com/fundraising/Mr-Meerkats-YE2020-competition

Time is running out to enter -

Rules -
* You have one guess at Lloyds closing SP on the last trading day of 2021
* Closest guess wins, winner to chose from list of charities on Justgiving.com
* By entering a whole number guess you pledged to contribute a min. £10
* Ha'penny guess (eg 99.5) you pledged to contribute a min. £20
* Any other fractions you pledge to contribute a min. £30
* Last day for entry Friday 15-1-21

Newchurch - 18p
Wids - 21p
Darth.Trader - 23.55p
Triflepig - 24p
John46 - 39p
LEVIS - 40p
Greenwich - 41p
Ratherbelucky - 42p
Wantabagger - 44p
Simeon1 - 49p
Italdo - 51p
Theosus - 55p
Motbuck - 56p
DCB - 58p
Highveld - 59p
VictorBlank - 60p
QuietlyCautious - 61p
Markhouse999 - 62p
SUFCESSEX - 63p
Walkersworld - 64p
Baggs - 65p
Rico1991 - 66p
Goonerpete - 67p
Jakespear - 69p
Falklandinvestor - 70p
Foxhound - 75p
Boldboy - 76p
Chrisw01 - 84p
SP61GHT - 88p
Backbencher - 89p
GRBfromYorkshire - 90p
TheFarEnd - 90.5p
Betterupthandown - 93.33p
Onelongrunner - 108p
Y11-shx - 112.66p
Hollybean - 117p
Asperger - 135p
Goonerpete - £4.51.5p

Additional pledges
falklandinvestor - If I win the competition I will donate £100
Hollybean - additional pledge from me £117 if I win
Walkersworld - if I win @64p I will donate £640
Triflepig - If it hits 20p I’ll add £40 to my contribution

Mr Meerkat's YE2020 competition was won by Mr DCB
Many thanks to all who have already donated, over £600 raised so far
https://www.justgiving.com/fundraising/Mr-Meerkats-YE2020-competition

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 @ 299 = 616
Lloy 1905 @ 36.8 = 701

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 @ 276 = 925
Lloy 1553 @ 36.8 = 572

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 @ 165 = 634
Lloy 1512 @ 36.8 = 556

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 @ 153 = 733
Lloy 1504 @ 36.8 = 553

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3038 = £1133
Lloy 1704 @ 36.8 = £627

In April 2020 Theosus asked that I add Circassia -
On 14-4-20 £1000 bought 3891 CIR & 3058 Lloy
CIR 3891 @ 28.2 = £1097
Lloy 3058 @ 36.8 = £1125

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 @ 107 = £1148
Lloy 3367 @ 36.8 = £1239

This weeks observation - As the New Year settles in Vaccination rollout well underway, Most of UK under 'lockdown' restrictions, NHS struggles as infection rates reach all time high

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 @ 36.8 = £5520

A1

Based on LSE daily tech chart -

5th-6th Jan 21 - 35.595
11th-12th Mar 20 - 41.6
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 for a steady recovery please - leave no gaps behind

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

Only one more week to enter -

Rules -
* You have one guess at Lloyds closing SP on the last trading day of 2021
* Closest guess wins, winner to chose from list of charities on Justgiving.com
* By entering a whole number guess you pledged to contribute a min. £10
* Ha'penny guess (eg 99.5) you pledged to contribute a min. £20
* Any other fractions you pledge to contribute a min. £30
* Last day for entry Friday 15-1-21

Newchurch - 18p
Wids - 21p
Darth.Trader - 23.55p
Triflepig - 24p
John46 - 39p
LEVIS - 40p
Greenwich - 41p
Ratherbelucky - 42p
Wantabagger - 44p
Simeon1 - 49p
Italdo - 51p
Theosus - 55p
Motbuck - 56p
DCB - 58p
Highveld - 59p
VictorBlank - 60p
QuietlyCautious - 61p
Markhouse999 - 62p
SUFCESSEX - 63p
Walkersworld - 64p
Baggs - 65p
Rico1991 - 66p
Goonerpete - 67p
Jakespear - 69p
Falklandinvestor - 70p
Foxhound - 75p
Boldboy - 76p
Chrisw01 - 84p
SP61GHT - 88p
Backbencher - 89p
GRBfromYorkshire - 90p
TheFarEnd - 90.5p
Betterupthandown - 93.33p
Onelongrunner - 108p
Y11-shx - 112.66p
Hollybean - 117p
Asperger - 135p
Goonerpete - £4.51.5p

Additional pledges
falklandinvestor - If I win the competition I will donate £100
Hollybean - additional pledge from me £117 if I win
Walkersworld - if I win @64p I will donate £640
Triflepig - If it hits 20p I’ll add £40 to my contribution

Mr Meerkat's YE2020 competition was won by Mr DCB
Many thanks to all who have already donated, over £600 raised so far
https://www.justgiving.com/fundraising/Mr-Meerkats-YE2020-competition

RBS/Natwest v Lloy

RBS/Natwest 62.4% owned by Gov - Lloy 100% owned by shareholders

https://www.banktrack.org/bank/rbs

Based on LSE daily tech chart -

5th-6th Jan 21 - 35.595
11th-12th Mar 20 - 41.6
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 for a steady recovery please - leave no gaps behind

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

Rules -
* You have one guess at Lloyds closing SP on the last trading day of 2021
* Closest guess wins, winner to chose from list of charities on Justgiving.com
* By entering a whole number guess you pledged to contribute a min. £10
* Ha'penny guess (eg 99.5) you pledged to contribute a min. £20
* Any other fractions you pledge to contribute a min. £30
* Last day for entry Friday 15-1-21

Newchurch - 18p
Wids - 21p
Darth.Trader - 23.55p
Triflepig - 24p
John46 - 39p
LEVIS - 40p
Greenwich - 41p
Ratherbelucky - 42p
Wantabagger - 44p
Simeon1 - 49p
Italdo - 51p
Theosus - 55p
Motbuck - 56p
DCB - 58p
Highveld - 59p
VictorBlank - 60p
QuietlyCautious - 61p
Markhouse999 - 62p
SUFCESSEX - 63p
Walkersworld - 64p
Baggs - 65p
Rico1991 - 66p
Goonerpete - 67p
Jakespear - 69p
Falklandinvestor - 70p
Foxhound - 75p
Chrisw01 - 84p
SP61GHT - 88p
Backbencher - 89p
GRBfromYorkshire - 90p
TheFarEnd - 90.5p
Betterupthandown - 93.33p
Onelongrunner - 108p
y11-shx - 112.66p
Hollybean - 117p
Asperger - 135p
Goonerpete - £4.51.5p

Additional pledges
falklandinvestor - If I win the competition I will donate £100
Hollybean - additional pledge from me £117 if I win
Walkersworld - if I win @64p I will donate £640
Triflepig - If it hits 20p I’ll add £40 to my contribution

Mr Meerkat's YE2020 competition was won by Mr DCB
Many thanks to all who have already donated, over £600 raised so far
https://www.justgiving.com/fundraising/Mr-Meerkats-YE2020-competition

LONDON, Jan 6 (Reuters) - Bank of England Governor Andrew
Bailey said on Wednesday that he wanted British banks to set
dividends freely, and that the BoE's decision last year to
temporarily bar dividend payments was an exceptional decision
due to COVID turmoil.

"It is not our intention as regulators to take over setting
dividends," Bailey told a British parliament committee.

"We did it ... in a very, very particular and special
circumstance," he added.

The BoE allowed British banks to resume paying dividends in
December as the financial stability impact of coronavirus had
become clearer.

In plain English please Mr Bailey -
ARE ALL RESTRICTIONS NOW LIFTED OR NOT ???

Totally agree Chips - fingers crossed the picture will be a lot brighter in a month or two's time

Theosus -
Many thanks for your donation -
The list is of those who took part, and made pledges in last years competition
like you, some may have pre-donated or some may have donated anonymously

Last years competition was won by Mr DCB
Many thanks to all who have already donated, over £500 raised so far
https://www.justgiving.com/fundraising/Mr-Meerkats-YE2020-competition

An asterisk means I can see that you have donated (Many thanks)
If I've missed your donation please let me know

DBC*, John46*, Wids*, Tranter*, Snige, Everglade, Jamesroo, Greenwich,
Utrickytrees, GOODJOB, Italdo*, Pat2014, Martin1, Zoros, Wideride96,
Broadland, Backbencher, QuietlyCautious*, Boldboy, Jandialbi, Ericd*,
Chrisw01*, Motbuck*, SUFCESSEX, Pantherax, GRBfromYorkshire*,
TheFarEnd*, Sirlynn, Betterupthandown*, SP61GHT*, TomJones2,
Scrum, Gino73, Oxo42*, Calisto, Onelongrunner*, Paulislong, Asperger*

Based on LSE daily tech chart -
Grrr, tiny gap up this AM

5th-6th Jan 20 -35.595
11th-12th Mar 20 - 41.6
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 for a steady recovery please - leave no gaps behind

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

Rules -
* You have one guess at Lloyds closing SP on the last trading day of 2021
* Closest guess wins, winner to chose from list of charities on Justgiving.com
* By entering a whole number guess you pledged to contribute a min. £10
* Ha'penny guess (eg 99.5) you pledged to contribute a min. £20
* Any other fractions you pledge to contribute a min. £30
* Last day for entry Friday 15-1-21

Newchurch - 18p
Wids - 21p
Darth.Trader - 23.55p
Triflepig - 24p
John46 - 39p
LEVIS - 40p
Ratherbelucky - 42p
Wantabagger - 44p
Simeon1 - 49p
Italdo - 51p
Theosus - 55p
Motbuck - 56p
DCB - 58p
Highveld - 59p
VictorBlank - 60p
QuietlyCautious - 61p
Markhouse999 - 62p
SUFCESSEX - 63p
Walkersworld - 64p
Baggs - 65p
Rico1991 - 66p
Goonerpete - 67p
Falklandinvestor - 70p
Foxhound - 75p
Chrisw01 - 84p
SP61GHT - 88p
Backbencher - 89p
GRBfromYorkshire - 90p
TheFarEnd - 90.5p
Betterupthandown - 93.33p
Onelongrunner - 108p
y11-shx - 112.66p
Hollybean - 117p
Asperger - 135p
Goonerpete - £4.51.5p

Additional pledges
falklandinvestor - If I win the competition I will donate £100
Hollybean - additional pledge from me £117 if I win
Walkersworld - if I win @64p I will donate £640
Triflepig - If it hits 20p I’ll add £40 to my contribution

Mr Meerkat's YE2020 competition was won by Mr DCB
Many thanks to all who have already donated, over £500 raised so far
https://www.justgiving.com/fundraising/Mr-Meerkats-YE2020-competition

If you can hold your Lloy shares when all about you
Are losing theirs and blaming it on AHO,
If you can trust yourself when doomsters doubt you,
But make allowance for their doubting too;
If you can wait and not be tired by waiting,
For the return of buybacks and dividends true,
Yours is the Earth and everything that’s in it,
And—which is more—you’ll be an investor, my son!

Sorry Bertram - didn't know we were just being silly -

Double shares in issue = halve the divi for all shareholders
Simples

Halve number of share in issue = double divi for each remaining share - simples

AS WE ALL KNOW LLOY IS WELL CAPITALISED - IT'S TIME FOR THE BOARD TO STEP UP FOR SHAREHOLDERS -

PRA statement on capital distributions by large UK banks - 10th Dec 20
Temporary approach to shareholder distributions for 2020

With the removal of the PRA’s request not to make shareholder distributions, it is for BANK BOARDS to determine the appropriate level of distributions. Any distributions should be prudent, reflecting the still elevated levels of economic uncertainty and the need for banks to continue to support households and businesses through the continuing economic disruption, even in the event that this disruption is more prolonged and severe than currently anticipated. As a stepping stone back towards its standard approach to capital-setting and shareholder distributions the PRA therefore asks boards, when making their decisions for 2020 distributions, to operate within a framework of temporary guardrails. The PRA is publishing that framework now in order to give bank boards time to take it into account as they approach those decisions in coming months.

In relation to full-year 2020 results, distributions to ordinary shareholders by large UK banks should not exceed the higher of: 20 basis points of risk-weighted assets as at end-2020; or 25% of cumulative eight-quarter profits covering 2019 and 2020 after deducting prior shareholder distributions over that period.footnote [2] The PRA will expect to be satisfied that any distributions would not create excess vulnerabilities to stress for a given bank or impede its ability or willingness to support households and businesses. The PRA has designed the guardrails above in line with its primary objective to promote the safety and soundness of firms we regulate and it is the responsibility of banks’ boards to make distributions which are consistent with this objective.
Accordingly - IF ANY FIRM WISHES TO MAKE SHAREHOLDER DISTRIBUTIONS IN EXCESS OF THESE GUARDRAILS, IT SHOULD ENGAGE WITH ITS SUPERVISORS AND EXPECT A HIGH BAR FOR JUSTIFYING ANY EXCEPTIONS

https://www.bankofengland.co.uk/prudential-regulation/publication/2020/pra-statement-on-capital-distribution-by-large-uk-banks

Dividendchaser - our 2019 divi and a lot of 2020 profits have been retained to shore up capital strength - if Lloy wasn't so profitable why would the PRA feel the need to restrict dividends and buybacks?

IMO - the reason the PRA refer to the dividends as 'delayed' and asks shareholders to be patient is because they know the banks will profit very nicely in due course

2020 Results
Q1 Underlying profit £0.56bn
Q2 Underlying profit £3.5bn
Q3 Underlying profit £5.0bn
projected
Q4 Underlying profit £8.0bn