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Company CEO's dodging dividend payouts to shareholders, growing NHS waiting lists, poor and unacceptable customer service to name a few, it's now high time to STOP using the Covid Pandemic as a blanket excuse for anything !

In theory UK banks should generate strong revenue growth in 2023 on the back of higher interest rates for a full year.

Shareholder distributions ( including share buybacks ) could return 17% of their market cap to investors over the next 12 months, barring any further unexpected shocks to the economy including a newly elected Labour Government, that percentage figure could possibly rise to 25% over the next 24 months.

Purely speculation or fact, investors will just have to wait and see !

First Direct 7% fixed for 12months.
£300 maximum monthy contributions , maximum interest earned over the term £135.
Comes with rigid terms and condiconditions.

Pointless, and hardly worth the effort !

TerryMC1 Note of caution, shares may be flying on today's results, however significant debt, shareholder dilution and no prospect of the dividend reinstatement will weigh heavily in on the Rolls - Royce share for years to come.

For once, Berenberg Bank ( Lloyds target price 58P ) is bang on the money !

Lloyds will need to change tack and persue new sources of value beyond it's current business model boundaries and reinvent their business to achieve long - term growth and sustainable profitability in a new era of banking.

NatWest profits came in line with analyst expectations.

However forward looking guidance earnings estimates for 2023 and beyond paint a very different picture.

Further Government meddling and regulation in the energy market is a huge unpredicted risk for Centrica and it's shareholders.

Centrica's profits are currently booming with a reinstated dividend, the key question is, will this turnround in the company's fortunes translate into high returns for investors.

Stunning recovery and transformation of the bank since the 2008 financial crash, despite fairly hefty shareholder returns and share buybacks the current lowly share price valuation of ( 30P ) old money, clearly demonstrates the bank still does not sit well with investors.

Victor

Ho Ching of Temasak Holdings acquired the majority share in the bank.

Lloyds shareholders must " must rue the day " they blocked the $1.95 Billion takeover of Standard Charter back in 1986.

Purely a phychological milestone and not much use for long - term holders of UK banking stocks, buoyed mainly by overseas earnings from oil and commodity stocks, translates into a compound capital return of 1.7% a year since the Brexit Referendum,

If true, the scene is now set for Alex Salmond to be the Comeback Kid ?

Business's will continue to feel the effects of inflation for the foreseeable future, in the form of rising costs from energy, raw materials, interest rates and new Brexit related regulation costly trade controls.

Welcome to the world of murkey investment banking, today's results clearly underlines the substantial risk - related upsides and downsides of the investment banking industry.

UK unemployment at a record low, long - term sickness at a record high, and over 50s retiring in droves, the workforce is now smaller than before Covid Pandemic !

Insider fraud is a growing problem for the UK banking sector and other financial institutions , remote working practices and employee financial hardship was a major contributer to internal bank fraud losses in 2021.

Dividend payments and share buybacks are still forecast to hit a new record in 2023 despite the economic slowdown and rising interest rates in the UK economy.

The only fly in the ointment is Jeremy Hunt's new dividend and CGT tax raid on investors.

The Tories have no credible plan for the UK economy, and no plan for the future.

Its time for change !

UK Bank and Building Society mortgage rates have fallen to their lowest level in almost three months, further falls are expected as competition among lenders intensifies and is set to drive mortgage interest rates down further over the coming months.

Bumble

Former German Chancellor Angela Merkel's disastrous policy on liberal immigration and cheap Russian energy dependance will haunt and divide the German nation for many years to come.