Member Info for Asperger1

Looks like the DUP, LibDems, Labour and the Brexit party are all toast

Hold on to your hats :-)

Hmmm - Just found my original calculations for quarterly divi -
Lloyds have said 3x quarterly payments to equal 2/3rd the previous years divi

Divi 2019/20 1.12p+2.24p = 3.36p total for year, (2/3rd = 2.24p /3 = ~0.75p)
Divi 2020/21 = 3x 0.75p + final, 2019+5%= 3.53? -(3x 0.75p=2.25) = ~1.28p final

ref https://www.fool.co.uk/investing/2019/05/16/lloyds-to-start-paying-quarterly-dividends-is-the-bank-now-too-good-for-dividend-investors-to-ignore/

Walkersworld/Onlyif -
With Ppi and other items behind us, why would results for the fiscal year 20/21 not look something like this (or better)

2020/21 projected results
Q1 Underlying £2.0bn Pre tax £1.6bn post tax £1.4bn divi 0.67p
Q2 Underlying £4.0bn Pre tax £3.2bn post tax £2.8bn divi 0.67p
Q3 Underlying £6.0bn Pre tax £4.8bn post tax £4.2bn divi 0.67p
Q4 Underlying £8.0bn Pre tax £6.4bn post tax £5.6bn divi 1.76p = 3.77p total (cost£2.64bn) + £2.64bn buyback

JamesRoo - via divis & buybacks just about every penny of profit is returned to shareholders - guess greedy/jealous deluded socialist labour fantasist wouldn't be happy till they nationalised all UK banks? #longlivecapitalism :-)

Livestock -
A sensitive job for the board - to transition from 2x divi to 4x divi without upsetting those who rightly expect and will have planned for their usual 19/20 final divi of 2.24p

And once the transition year has taken place difficult to make the following year anything less,

Well done Lloy - played a blinder - with Ppi finished the timing of this transition couldn't have be better IMO

Low risk/Safe Market leading yield - 2x covered!!!
Surplus used for buybacks!!!
Brexit Deal agreed next Saturday???

Professional Analysts already seeing the writing on the wall re SP.

Thank you 2227 - My point stands - 2020 is set to be a bonus yield year :-)

Livestock - thank you for questioning my figures, caused me to re-check, and hands up - I've made a small mistake, I projected quarterly divi's at 20% of 2020's expected divi total and not 20% of 2019's known total

Lloyds have told us - 3x quarterly divi's will be each 20% of the 'previous years' divi total (3x20%, 60% total)

To answer your question - IMO the calendar year 2020 will be a bonus because it will include the final divi from the old 2x divi system plus 3x quarterly divi from the new system
ie this -

Full year - 2.24p Payable May 2020
Q1 - 0.672p Payable June 2020
Q2 - 0.672p Payable Sept 2020
Q3 -0.672p Payable Dec 2020

Total expected payable during calendar year 2020 = 4.256p

Looking further ahead to the calendar year 2021, if they keep the same format
3x 20% of 2020 total + a final aprox 40% of the total divi payable

Full year ~40% (needs to be at least 1.76 final) - Payable May 2021
Q1 - 0.85p Payable June 2021
Q2 - 0.85p Payable Sept 2021
Q3 -0.85p Payable Dec2021

Total for calendar year 2021 (needs to at least match the transition 2020 total) = 4.256

I sure wouldn't want to be invested any where else

Spud23 -
With the move to quarterly dividends 2020 is expected to be a bonus yield year -

Full year - 2.24p Payable May
Q1 - 0.75p Payable June
Q2 - 0.75p Payable Sept
Q3 -0.75p Payable Dec

Total expected during 2020 = 4.49p

Add on a buyback premium?

Sure wouldn't want to be anywhere else

I did TFE :-)
And I hope next weeks figures are better still

Usual week end update
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever' 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 @ 495 = 1020
Lloy 1905 @ 59.1 = 1126

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 @ 238 = 797
Lloy 1553 @ 59.1 = 918

In July 2017 Nucky suggested I add RBS -
On 12-7-17 1000 quid bought 384 RBS & 1512 Lloy
Today's value
RBS 384 @ 218 = 837
Lloy 1512 @ 59.1 = 894

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 @ 160 = 766
Lloy 1504 @ 59.1 = 889

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3210 = £1197
Lloy 1704 @ 59.1 = £1007

This weeks observation - Banks surge on hope of a deal

Overall conclusion -
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.

A1

lol @BruBrook

Lloy the cash cow -
With the move to quarterly dividends 2020 is expected to be a bonus yield year -

Full year - 2.24p Payable May
Q1 - 0.75p Payable June
Q2 - 0.75p Payable Sept
Q3 -0.75p Payable Dec

Total expected during 2020 = 4.49p

Add on a buyback premium?

Sure wouldn't want to be anywhere else

Lloyds 50p coin?
https://www.changechecker.org/coin/74/olympic50p-Equestrian.aspx

Can't get enough Buyback chat
Good to see we're currently back to 2012/13 of shares in issue
Looking forward to breaking below 70bn early next year

28th Feb 2007 5,638,778,841
29th Feb 2008 5,648,388,364
30th Jan 2009 16,345,203,865
8th June 2009 25,796,301,751
30th Jun 2009 27,161,682,366
18th Dec 2009 36,612,829,170
31st Dec 2009 63,774,511,536
26th Feb 2010 66,915,197,938
28th Feb 2011 68,074,485,023
29th Feb 2012 68,874,879,723
28th Feb 2013 70,343,558,343
28th Feb 2014 71,369,954,233
28th Feb 2017 71,459,965,313
31st May 2017 71,759,965,313 + 300m
30th June 2017 71,826,231,284 + 66m
31st July 2017 71,912,763,773 + 86m
31st Aug 2017 71,950,319,886 + 38m
29th Sept 2017 71,956,178,351 + 6m
31st Oct 2017 71,961,738,595 + 5m
30th Nov 2017 71,967,363,694 + 6m
29th Dec 2017 71,972,949,589 + 5m
31st Jan 2018 72,070,202,434 + 77m
28th Feb 2018 72,086,432,586 + 16m, total for year + 590m
29th March 2018 72,176,280,921 + 89m
30th April 2018 71,992,041,055 - 184m
09th May 2018 72,407,041,055 + 415m
31st May 2018 72,129,030,238 - 278m
29th June 2018 71,958,123,874 - 171m
29th July 2018 71,515,614,767 - 443m
31st Aug 2018 71,132,542,688 - 383m
28th Sept 2018 71,139,419,538 + 7m
31st Oct 2018 71,147,373,711 + 8m
30th Nov 2018 71,155,240,499 +8m
31st Dec 2018 71,163,592,264 +8m
31st Jan 2019 71,172,185,031 +9m
28th Feb 2019 71,349,949,398 +178m, total for year - 736m
29th March 2019 71,196,168,225 - 154m
30th April 2019 70,864,314,036 - 332m
08th May 2019 71,409,314,036 + 545m
31st May 2019 70,956,983,504 - 452m
28th June 2019 70,764,310,880 - 193m
31st July 2019 70,472,185,753 - 292m
30th Aug 2019 70,128,674,524 - 344m
30th Sept 2019 70,026,650,473 - 102m

Usual week end update
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever' 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 @ 495 = 1020
Lloy 1905 @ 52.0 = 991

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 @ 227 = 760
Lloy 1553 @ 52.0 = 808

In July 2017 Nucky suggested I add RBS -
On 12-7-17 1000 quid bought 384 RBS & 1512 Lloy
Today's value
RBS 384 @ 195 = 749
Lloy 1512 @ 52.0 = 786

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 @ 143 = 685
Lloy 1504 @ 52.0 = 782

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3289 = £1227
Lloy 1704 @ 52.0 = £886

This weeks observation - Despite Boris's potential deal banks and others down on Brexit concerns

Overall conclusion -
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.

A1

Lloyds apologises to woman refused emergency contraception lol

https://www.theguardian.com/society/2019/jun/20/lloyds-pharmacy-apologises-to-woman-refused-emergency-contraception

Choose one Madpunter - SOLG or SXD

Usual week end update
I started this fantasy portfolio in 2016 to challenge various posters perception that Lloy is 'the worst share ever' 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 @ 519 = 1069
Lloy 1905 @ 54.9 = 1046

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 @ 247 = 827
Lloy 1553 @ 54.9 = 853

In July 2017 Nucky suggested I add RBS -
On 12-7-17 1000 quid bought 384 RBS & 1512 Lloy
Today's value
RBS 384 @ 209 = 803
Lloy 1512 @ 54.9 = 830

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 @ 151 = 723
Lloy 1504 @ 54.9 = 826

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3300 = £1231
Lloy 1704 @ 54.9 = £935

This weeks observation - A little relief this week but banks and others still down on Brexit concerns

Overall conclusion -
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.

A1

Lloyds flexing its competitive advantage?

#economyofscale
#lowriskmultibrand