Member Info for ERV1

"How is Lloyd’s going to generate shareholder value?"

seany123, the easiest way for this or any other business or institution to generate or create shareholder value is to invest in the people - the employees and the customers. We all know (or should) that minimising expenses is one key to maximising profits, however classifying employees solely as an expense instead of as an asset is a bigger key. Not investing in your employees or your customers has resulted in a major contributory factor as to why shareholder value has decreased in this and many other businesses that are customer centric. The fundamentals of customer-centricity have been lost along the way. The bigger the enterprise, the more it gets lost. So perhaps the answer lays in getting right back to basics, in order to create a winning strategy. Happy employees = happy customers = increased revenues = increased shareholder value = fact. That's just the easy way - for starters.

The number of fines doled out over the years together with all associated costs tell the story ...

dcb

"What I know for sure is we can debate topics on here without civil disorder! We may disagree STRONGLY but we DON´T need to resort to TEARING DOWN statues of well respected BRITISH entrepreneurs and innovators!!!"

you are guilty of creating forum disorder - continuously - hence the need to re-invent yourself every Friday, after hours, as you don't actually debate. In much the same way as the other two re-inventions, you never fail to show your true colours - poor losers. Wind-up merchants is where it's at with the three of you. As is evidenced by the thread removals whenever the three of you surface, you never belonged to a debating club, as you simply don't know how to do that thing. Your arguments are non-starters. You lost, so get a grip.

a bit of DJ into the mix
https://markets.businessinsider.com/index/dow_jones

who precisely are these "Every single one us?"

of the game is join a thread and get the same removed then? Screws and wiring loose. "Green" being the operative of or for the gremlins. Educated? Nearly 40, can't afford to buy a house, farm/barn/greenhouse and lost £150k on Afren ... backsides n elbows.

Yes LEVIS, got things in common - like I said a while ago - ha. I saw your posting about Asian bonds, the yield after tax sounds good. Where's the best place for me to do a bit of research on those?

LEVIS, I've just been playing a right old game, since March. Cannot recall any other period of B/S/B/S ... contract note after contract note. Nowt to do with investing, everything to do with "if you can't beat em, join em". Never invested solely for dividends as I view them as a bonus in the big scheme - cos they are.

LEVIS, you missed quite a bit off that description, but there we are. Least said n all that ...

it's all about the gremlins, supposed to be educated ... loose screws come to mind.

totally miss the point. The most important aspect of a civilised society is the Law. The Rule of Law. Together with the social contract. Mob rule and the left-wing bias being displayed does not bode well for the silent majority. All Lives Matter.

did you miss this one? Just saying ... you're usually up there with the links.

https://www.dailymail.co.uk/money/news/article-8410305/Lloyds-hit-64million-fine-failing-look-mortgage-customers-arrears.html

if telling you the truth - you haven't got a clue - is classed as uncivil in your book, then so be it. The truth clearly hurts.

For balance and for the one who likes to monitor seat prices. 32.94% or £28 was the price increase of a Manchester/Tenerife flight - increased over the 3 days Sunday 7th to Wednesday 10th June. £84.99 became £112.99 for the basic seat, for Friday 31st July - one way, -before you add the ancillary/ies of choice.

correction - 3 months.

were + 20% at £2,928.6 million or 34.4% of Ryanair(only) revenue at the last shout ... basic seat price pales into insignificance in the big scheme. Who the heck travels anywhere with the equivalent of a handbag - unless it's a day trip? So discount the "V" basic seat price and you are paying for one of the other ancillaries as a minimum.

yes, ancillary products is where it's at, from 2020, simple as. I never said Seville was an undesirable destination ... I love Seville - and the Huelva region - however Seville wouldn't be the first choice in the heat of the summer as a family holiday destination, hence why many of the locals escape to the coast/have a second home on the coast. That flights to Seville are cheaper in the summer, tells the story, muy simple.

Toople is a standard listing, isn't it?

Standard listed companies should publish their half-year financial reports within 2 months of each half year end.

Have I missed something? or Did something change?

well done stuart, happy travels and good luck to you.

UD, you haven't got a clue. Let's just wait for the percentage increase in ancillary products. Value, Regular, Plus & Flexi Plus is where it's at. People do want to fly which is why the 5 flights I booked on Sunday morning, to one location, at the end of July was all but full, when it came to seat reservations. Stanstead to Seville as a school summer holiday destination doesn't cut the mustard ... simple as, I mean who exactly chooses Seville as a family summer holiday destination? V, R,P & FP were not part of the process in your November price example, were they? Why not just admit defeat, shake hands and walk away?

and he bought a campervan tale ... well here's a real one. I was in the US at the end of Jan/into feb 2019, our son sold a little sporty Audi of ours and bought a VW transporter. His friends with a conversion business turned it into a "motor caravan" (well that's the DVLA description when you do that thing) all singing n dancing. I knew nothing until complete and I had to take the photos and submit to the DVLA for the change of registration. All of, came about cos I said I just might fancy campervanning. Only did it the once, to jockland over a year ago. Last week the motor caravan was sold and the ££'s went into my bank... 83% profit. Who knew? I certainly did not.