Member Info for Asperger1

Divi projection
2019 = 3.36p total for year, (2/3rd = 2.4p /3 = 0.75p)
2020 = 3x 0.75p + final, (June,Sept,Dec,May)
2019+5%= 3.53 2020 total -(3x 0.75p=2.25) = 1.28p final

Quarterly results = a reminder of Mr Meerkats 'Guess the SP at year end' competition
Note - entry closed in January

Betterupthandown - 33
John46 - 40
Wightlady - 48
Wids - 51
TheNorthener - 52
Faramog - 55
Littleaston - 57
Onedaydave - 58
Twonko - 59
GOODJOB - 61
Inner-Harmony - 62
Broadland - 62.5
Greenwich - 64
Boldboy - 65
PrinceofDarkness - 66
Tomjones2 - 66.5
Utrickytrees - 67
Jamesroo - 67.5
Everglade - 68
Zoros - 69
Pat2014 - 72
Italdo - 72
Hamiloneuchter - 72
Martin1 - 73
Dierich/Lego - 74
Pantherax - 74
Daytradenovice - 75
ScottishPI - 76
Eldorado36 - 76
Hooky61b - 77
Backbencher - 78
Basherbaz - 79
QuietlyCautious - 80
Ivenoidea - 81
Scrum - 82
Chrisw01 - 83
Gino73 - 84
Motbuck - 85
Snige - 86
Allforone - 88
SUFCESSEX - 89
GRBfromYorkshire - 90
TheFarEnd - 91
SP61GHT - 94
Lasttrain/DCB - 95
D0berman - 98
Ericd - 100
Oxo42 - 101
Livestock - 105
Calisto - 117
Onelongrunner - 122
Paulislong - 134
Asperger - 135

The YE2018 competition was won by Mr Wids
Pledges/Donations are still invited to -
https://www.justgiving.com/fundraising/mr-wids

Filter me Mick-b - tis the only sensible move lo!

Projected divi,
2019 = 3.36p total for year, (2/3rd = 2.4p /3 = 0.75p)
2020 = 3x 0.75p + final (June,Sept,Dec,May)

Adewins - must say, wasn't expecting further Ppi provision, thought we had that covered :-(

Need to crack out both the Henry and the Dyson Snige - some serious hoovering up to be done :-)

Lloyds Bank, hit by new PPI charge, sees profits fall 7%

https://uk.sports.yahoo.com/news/lloyds-hit-by-new-ppi-charge-sees-profits-fall-7-063321056.html

The Group announced in May 2019 that it would move to the payment of quarterly dividends in 2020 in order to accelerate payment of dividends to all shareholders. The Group intends to adopt three equal interim ordinary dividend payments for the first three quarters of the year followed by, subject to performance, a larger final dividend for the fourth quarter of the year. The first three quarterly payments, payable in June, September and December will be 20 per cent of the previous year's total ordinary dividend per share. The fourth quarter payment will be announced with the full year results, with the amount reflecting the Group's financial performance and our objective of a progressive and sustainable ordinary dividend. The final dividend will continue to be paid in May, following approval at the Annual General Meeting.

Hmmm - might impact on any anticipated 'special divi' from the reduced capital requirement

Wonder if Tesco would be also willing to part with their credit card customers, fit nicely along side MBNA?

* Market leading sustainable/escalating divi
* Escalating profits
* Surplus profits = buybacks and/or special divi's
* Undervalued - historically low P/E
* Well capitalized, low risk model with a competitive advantage
* Organic growth and acquisition potential
* Potential SP uplift on sentiment reversal

Faulkes - what shares is Brexit not holding back?

2018 Results
Q1 Underlying £2.0bn Pre tax £1.6bn post tax £1.15bn
Q2 Underlying £4.2bn Pre tax £3.1bn post tax £2.27bn divi 1.07p
Q3 Underlying £6.3bn Pre tax £4.9bn post tax £3.7bn
Q4 Underlying £8.1bn Pre tax £6.0bn post tax £4.4bn divi 2.14p + £1.75bn buyback

2019 results
Q1 Underlying £2.2bn Pre tax £1.6bn post tax £1.2bn
Projected
Q2 Underlying £4.6bn Pretax £3.5bn post tax £3.0bn divi 1.2p?
Q3 Underlying £7.0bn Pretax £5.3bn post tax £4.5bn
Q4 Underlying £9.0bn Pretax £7.0bn post tax £6.0bn divi 2.4p + 1p special + £2.5bn buyback?

Usual weekend 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 @ 523 = 1077
Lloy 1905 @ 56.0 = 1067

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 @ 272 = 911
Lloy 1553 @ 56.0 = 870

In July 2017 Nucky suggested I add RBS -
On 12-7-17 1000 quid bought 384 RBS & 1512 Lloy
Today's value
RBS 384 @ 228 = 883
Lloy 1512 @ 56.0 = 847

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 @ 56.0 = 842

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3323 = £1239
Lloy 1704 @ 56.0 = £954

This weeks observation - on going Brexit uncertainty weigh on banks and the wider market as a whole,

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

Khukov -
Around half of the £1.75bn has been spent,
Around 1.5bn shares have been bought back and cancelled

Usual weekend 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 @ 518 = 1067
Lloy 1905 @ 56.8 = 1082

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 @ 272 = 911
Lloy 1553 @ 56.8 = 882

In July 2017 Nucky suggested I add RBS -
On 12-7-17 1000 quid bought 384 RBS & 1512 Lloy
Today's value
RBS 384 @ 228 = 883
Lloy 1512 @ 56.8 = 845

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 @ 156 = 747
Lloy 1504 @ 56.8 = 854

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3387 = £1263
Lloy 1704 @ 56.8 = £968

This weeks observation - on going Brexit uncertainty weigh on banks and the wider market as a whole,

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

Tis an interesting question how divi payments will work in the future

As I understand it, the first three quarterly divi will be payable in June, September and December (20% of the previous year's total ordinary dividend per share),
And the final has historically been paid in May,

Next year I think we will see the Final In May, followed the 3x quarters in June, Sept & Dec

'After next years transition' to quarterly payments it would seem to make sense to move the final pay date to March?
Is that possible? would it also involve moving the AGM?

Going to be interesting :-)

https://www.sharesmagazine.co.uk/news/market/6424892/Lloyds-Bank-to-switch-to-quarterly-dividends

Usual weekend 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 @ 546 = 1125
Lloy 1905 @ 57.8 = 1101

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 @ 266 = 891
Lloy 1553 @ 57.8 = 898

In July 2017 Nucky suggested I add RBS -
On 12-7-17 1000 quid bought 384 RBS & 1512 Lloy
Today's value
RBS 384 @ 230 = 888
Lloy 1512 @ 57.8 = 856

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 @ 157 = 752
Lloy 1504 @ 57.8 = 869

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3391 = £1265
Lloy 1704 @ 57.8 = £985

This weeks observation - on going Brexit uncertainty weigh on banks and the wider market as a whole,

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

Heardy - absolutely - the transfer of wealth for the impatient to the patient takes time :-)
? ?? ?

Usual weekend 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 @ 543 = 1119
Lloy 1905 @ 57.8 = 1101

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 @ 270 = 905
Lloy 1553 @ 57.8 = 898

In July 2017 Nucky suggested I add RBS -
On 12-7-17 1000 quid bought 384 RBS & 1512 Lloy
Today's value
RBS 384 @ 226 = 874
Lloy 1512 @ 57.8 = 856

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 @ 157 = 752
Lloy 1504 @ 57.8 = 869

In Sept 2018 Motley Fool recommended Diageo over Lloyds
On 9-9-18 1000 quid bought 37.3 DGE & 1704 Lloy
DGE 37.3 @ 3427 = £1278
Lloy 1704 @ 57.8 = £985

This weeks observation - on going Brexit uncertainty weigh on banks and the wider market as a whole,

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

Pitiful assessment -
Mentions the 'giant 6% yield' but not a word of equally valuable awesome 'buyback program', the end of Ppi, the move to quarterly divi's or the reduction of capital requirement bonus

The 'Fool' will print most anything to try hook a reader