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The latest economic data available does not warrant any near term gradual rise in interest rates. The UK economy is now facing its weakest growth since 2009 against a backdrop of Brexit, global trade war fears and a cooling housing market.

The challengers simple business models provide a distinct cost advantage as percentage of income. They outperform the big five high street lenders in terms of return on equity ( ROE) in some cases by 50% or more. Wind Turbines Considering the UK is Europes windiest country and also has one of the longest coastlines in Europe . The UK wind generating capacity still woefully lags behind Germany and Spain in capacity, Infrastructure and investment.

john46 Goodpoint a cash bonus charged to the balance sheet instead of further shareholder dilution.

J46 I would think Lloyds is no different to any other company . The vast majority of their employees have no interest in the stockmarket or holding on to any shares that they may have obtained through a bonus or incentive share scheme.

Mergers and consolidation in the UK and Overseas banking sector is now inevitable. There is to much competition especially in the UK market where challenger banks increasingly continue to snap at the heels of the big five street lenders. A future spin-off of Barclays attractive North American investment banking operations rather than a complete merger with another bank seems a more likely option the bank may wish to consider in the future.

Lloyds and RBS share price down today due to the new untraded RBS shares pouring into the market. ( market saturation).

A firesale or a giveaway to the financial institutions at a substantial discount market auction price. It could have a negative knock-on effect on the the Lloyds share price in terms of market saturation levels.

Abysmal share price performance again today the share price is still down 4% down over the last eight trading sessions. SUFCESSEX the share price probably did hit 113p in the early days of 2009 that was before the Government weeks later had to inject further capital into the bank to keep it afloat.

SUFCESSEX. The financial prospects and the pension deficit at BT look increasingly grim due to the fact successive UK Governments allowed companies like BT to take long pension payment holidays, and also not forgetting the fact Gordon Browns �10 Billion a year tax grab on company pension schemes. City fund managers should also take the blame for their poor choice of invesments.

Troajan. Sadly both jings100 and mailman have not posted on the RBS or Lloyds board for a longtime now, probably both decided to call it a day used to enjoy reading their posts.

To become a millionaire it requires courage, persisistence, and determination, self-made millionaires are usually risk takers, entrepreneur's and aggressive investors in the stockmarket. I would expect their are quite a few posters on this board who fall into this category.

Looks like a positive start today for the Lloyds share price after being grossly oversold this week. However investors should take note of last nights BBC Interview of Barclays CEO Jesse Staley's sobering no nonsense statement on tightening lending criteria and uncertainty of future direction of the UK economy.

Further political turmoil in Italy, announcement of fresh elections later this year.

Asperger There are a raft of different rules and regulations regarding disclosure and execution of share buybacks across global stockmarkets. Disclosure requirments on the London market are one of the most stringent in the world and in the American market they are among the least stringent in the world.

SPMG. Yes you are correct. It is only a suggestion that due to the persistant low share price the BOD may consider the option of incorporating part of a future share buyback program into the current one.

Patience Asperger The bank must stay within trading volume restrictions to avoid violating insider - trading laws and risk costly fines imposed by regulators. Maybe a further �500 million added to the current share repurchase program in the autumn if the low share price persists and there are no further PPI provisions to added to this financial year.

Wids Your answer to my 15.20 post. The markets are telling us we are a very long way from revisiting the depths of the 2011/12 Eurozone Sovereign Debt crisis when in month alone the FTSE100 fell 20% and UK listed Banks fell even further. Although the Italian bond issue is cause for concern i believe there is to much perceived fear and market speculation surrounding the Italian bond yields.

Until there are future tentative signs that earnings and profits are beginning to flatline at the bank, Lloyds will remain both a trading, and long - term share investment in my portfolio. It is worth noting despite the current political and financial turmoil on global stockmarkets from the fallout of Italian bond yields Lloyds, FTSE, and the DOW are still trading at the same levels today as they were at the beginning of the month.

Sorry SUFCESEX Lloyds will make a pre - tax loss of �110 million on the disposal of the Irish Loan Book.

RobGTR you bought into a good entry point in the stock today. The share price may or may not have further to drop.