Member Info for Darth.Trader

Should Thieves introduce ISA reforms, cash ISA, then FOMO kicks It may well be that people end placing more funds in stock and Shares ISA. This will possibly fuel the Bull run for a bit longer,m but rest assured Mom ‘n’ Pop will get hurt. The wise do in the begining what fools do in the end...

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Now it had breached, 89

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STP 89 had not been breached, 88.99 is the highest in the session so far today.

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Troublesome, yes they did and one has to think why it did not happen...

Waiving the competition rules was not a straightforward process. It required parliamentary dispensation under the Enterprise Act 2002.

Business Secretary Lord Mandelson formally cleared the deal. He ruled that concerns identified by the Office of Fair Trading (OFT) were outweighed by the public interest in preserving financial stability.

The European Commission required the newly formed Lloyds Banking Group to divest certain assets to limit distortions of competition caused by the state aid it received. This was to ensure fairness for rival banks that did not receive the same level of support. A key condition was the divestment of TSB, which Lloyds had to spin off and sell. This decision was designed to restore competition in the UK retail banking market.

DYOR

chips "as i stated earlier in week lloyds bank a savvy boring bank back in the 2008 was forced to takeover troubled hbos by labours gordan brown , plus we have had many other market conditions that have held lloyds down"

i think you'll find the quiet american was the green eyed monster, brown met up with daniels a a ****tail party, then broooowne promised to waive competition rules but them lot in europe had other ideas and got this overrruled, sometime later. lloyds the conservative bank that had done more dodgy deals than the trotters...lloyds had proven time and time again that it is, and always will be a selling monster....ppi anyone..

please stop making it look like lloyds was duped, if they had been duped it was only greed that got them in to that mess and not a thought for the pi.

dyor

Britain’s high-street lenders green-lighted the largest number of home loans since the end of 2024, a sign that housing demand is stabilizing...

DYOR

Chips, at some point this bull run will end, if the budget doesn't deliver then it could be an early bath and no santa rally for some pluse Shadow banking may well bring contagion to the table; however if this keeps up then hey +£ ..

the wise did in the begining what fools do the end..

Good Luck all,

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So you named Fridays as "Sell Off", Mondays as "Break Out Monday...so what are you naming Tuesday as?

SP not doing well in today's session, so far.

DYOR

Harleygreen, if you read admins post "Due to the increased volume of both political and off-topic threads and posts, "

i'm thinking it was fact that the BB descended in to a political nad off topic the majority of the time and not the banking sector, lloyds or even remotely connected at times...

SP doing well today, but sedaka had post so.....

DYOR

SP closed up on Friday....hmm, begining to think the sp does the exact opposite to what you post...

DYOR

STP, exactly....

DYOR

SP needs to breach 89, with increased volume, to establish a new range...

DYOR

STP, "I guess my only question to you then is that, as you opening post was AI generated, does that make you a "sheeple""

I would suggest it does, as sheeple will follow the trend that we created using AI...the sheeples are the fuel.

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STP "What I was curious about was however, what ways it might help the private investor?"

a multitude of trading apps, AI generate charts, projections, news, the sheeples are the fuel...

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LTI, thanks for the link and this is precisely why i started the thread,,

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LTI, You raise a valid point, i found that the questions or task needs to be detailed. I have use it to get football game stats, results and more often than not AI gets this wrong and needs more information to get the correct game etc..

DYOR

Stp "Darth, you bring up the topic of AI there, as I wonder if AI will replace share traders, at least in part?"

, of course, probably already in place, no doubrt about it. It will be in everyones life before they know it.

DYOR

The shadow banking sector, particularly the private credit market, is a risk on par with subprime lending..

Similarities to the subprime crisis.

Lack of regulation: The shadow banking sector, which includes private credit, hedge funds, and money market funds, is less regulated than traditional banks. This makes it harder for regulators to oversee and manage the risks involved, a situation that mirrors the pre-2008 environment.

Risky lending: A significant portion of private credit lending is to companies with weak balance sheets, such as those that are highly leveraged from private equity buyouts or are in high-risk sectors like commercial real estate.

Complexity and opacity: The use of complex financial structures and jargon can hide the true risks of these investments, making it difficult for investors and regulators to understand the potential dangers.

Systemic risk: As the sector grows, it becomes more intertwined with the traditional financial system through its investments and lending activities. This means a crisis in the shadow banking system could potentially spill over and affect the broader economy, much like the subprime crisis did.

DYOR

I requested some info on the matter from AI and this is the response..

“UK banks (including Lloyds) are exposed to the shadow-banking / private-credit / NBFI world, but the size and nature of that exposure differ across banks. Barclays has recently disclosed material private-credit exposure (~£20bn, ≈6% of loans) and has been the focus of press/regulatory scrutiny. NatWest appears to have smaller private-credit positions (press reporting ~£5bn). Lloyds does not currently show a similarly large headline private-credit number in its public disclosures — its most recent Pillar 3 / Q3 filings focus on traditional credit, securitisation and counterparty metrics rather than a large private-credit book.

What the regulators (and global bodies) say

The Bank of England (Financial Stability Report, Nov 2024) warns that interlinkages between UK banks and non-bank financial intermediaries have grown and ran stress exercises on the shadow banking sector — regulators see clear potential for amplification/contagion.

The PRA has moved to tighten oversight: it published rules / a policy statement in 2024–2025 requiring banks to identify and manage step-in risk and exposure concentration to shadow-bank entities. That means UK banks must explicitly monitor these exposures and report them to supervisors.

The Financial Stability Board (FSB) and international bodies have flagged rapid NBFI growth and recommended stronger limits / reporting to reduce systemic risk”.

DYOR

What is Loyds exposure?

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