Member Info for hardup

So what was the difference between Sam Cane's high challenge which resulted in his yellow card being upgraded to red by the FPRO, and Siya Kolisi's high challenge which stayed as a yellow card after review by the FPRO? I can see no distinction between the two challenges.

Hmmmmmm.....me thinks sheens is the new ID for Carltit!

This is bull5hit! In February 2022 prior to Russia/Ukraine the base rate was 0.5% and the SP was as high as 55p. What was the NIM then? Base rate is now 5.25% and NIM is now far higher than February 2022 and SP is 40p. How was the SP far higher then when the NIM was far lower than what it is now?

So what? The UK is not in the EU.

"Yes but will they be able to hold the dividend in the current environment? That is the question"

Dividend is well covered. Can always knock the buybacks on the head if absolutely necessary to maintain dividend.

SUFC

Lloyds 2023 dividend is up 15% (assuming the full year dividend is 2.76p) from the 2022 dividend. The 2022 full year dividend was up 20% from the 2021 full year dividend.

"Where is there a safe haven for my investments?"

Under your mattress!

Pity that he can't improve his average on ARGO Resources though.

Brixton,

Looks like the Farage fiasco still having an influence on Natwest?

It will be interesting to see what HSBC's Q3 update is like and market reaction on Monday after Standard Chartered tanked yesterday?

I have 2 years to go before I am entitled to my state pension. My record of NI contributions is 42 full years. I have been living of dividends for the last 2 years having decided to retire early. I was never contracted out of SERPS or S2P so I am entitled to have this extra amount added to my new State Pension when I get this in 2 years. The last Pension Forecast I got from GOV.UK check your pension forecast tells me I will receive £247.82 a week (£12,930.89 annually). So if that goes up 8% next year that should take it up to £267.65 a week (£13,987 annually), and whatever the increase will be with the triple lock the following year should increase that then to around ££281 a week (assuming a 5% rise) when I start drawing my State Pension.

"I have Cuts my target for Lloyds from 39.5p to 34.5p (withing the next 12 months). ..IMHO-DYOR"

Whats your target for ARGO Resources?

Lloyds Banking Group PLC (LSE:LLOY)’s third-quarter numbers were a relief compared to Barclays, according to analysts at Bank of America, especially the reiteration of margins and steady deposit performance.

“This should support strong profitability, in turn translating into attractive capital distributions, particularly with the pension deficit now substantially closed,“said the bank.

BofA highlighted the better-than-expected bad debt provision and strong capital position, with the CET1 ratio rising to 14.6%.

On a five times PE ratio for 2024, Lloyds looks undervalued concludes the bank, which reiterated its 'buy' rating.

https://www.proactiveinvestors.co.uk/companies/news/1030946/lloyds-banking-set-for-more-shareholder-handouts-suggests-bofa-1030946.html

"There is no excuse for rudness here....IMHO"

https://www.youtube.com/watch?v=zoXLKgX0MgU

Standard Chartered Q3 results released today not going down well with the Market. At one stage the SP was down -17%. It has recovered a bit, now down -10.5%.

Skier

"But themz the facts"

I am a life long Tory voter. If themz the facts why are the Tories almost certainly going to get thrown out at the next GE with Labour looking like winning a landslide victory? Sunack is going to have to pull more than a white rabbit out of the hat to turn this around!

Lower than expected impairment charges saw Lloyds’ profit rise to £2bn in the third quarter.

“Impairments came in less than expected, as Lloyds continues to see macroeconomic conditions improving. Consumers facing higher living costs may not be feeling any release of pressure, but they’re managing finances well and remain remarkably resilient, with arrears levels stable,” Britzman said.

Although Lloyds has yet to see any major deterioration in the health of its loan book, there were undertones of caution in the decision to hold off bringing forward any share buybacks.

Britzman added “there was chatter that Lloyds may lean on its strong balance sheet to push forward full-year buyback plans. But prudence is on the cards, and investors will have to wait until full-year results more any indication on the size of planned distributions – given the levels of excess capital floating about, there’s potential for surprise on the upside.”

https://ukinvestormagazine.co.uk/lloyds-shares-fall-as-net-interest-margin-retreats/?

"Germany is about to overtake Japan as the world’s third-largest economy in 2023,"

How do they manage that if they are in recession?

"''in the future they may make on market buy backs for employee compensation rather than issuing new shares.'"

So I assume that would mean that a proportion of the shares bought back would be held in Treasury instead of being cancelled and used for employee compensation?

"Share up as I predicted. Good overall results"

Along day ahead before markets close. See where we are at 16:30, hopefully up.