A few thoughts,31 Dec 2020 16:11
The housing market is booming, prices rising, ( a bit to fast perhaps) Lloyds is a more UK focused bank so should not be to effected by any fall out from financial services, divi cash still there, divi reintroduced later this year and covid on the retreat come Easter due to vaccination program. Aimho of course, but I see Mr. Chips holding here as a correct decision. The second half of 2021, without further problems should prove fruitful. Oh nearly forgot Brexit done will also calm markets.
GL all for the new year.