Kapitalerhöhung am 20.05.2009
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Lloyds loses $5.3 billion in H1 on bad loans
Bailed-out Lloyds bank posts H1 loss of 3.1 billion pounds ($5.3 billion) on bad loans
On Wednesday August 5, 2009, 3:14 am EDT
Buzz up! 0 Print.LONDON (AP) -- Lloyds Banking Group PLC, part owned by the British government after a bailout, on Wednesday reported a loss of 3.1 billion pounds ($5.3 billion) for the first half of the year as bad loans rose to a record high.
The bank expressed confidence that the worst part of the bad debt burden was over and that earnings would improve.
"With impairments anticipated to have peaked in the half, management expects the group's results to improve in the second half and through 2010," chief executive Eric Daniels said.
The partly nationalized bank reported that impairments rose from 2.5 billion pounds to 13.4 billion pounds -- 80 percent stemmed from Halifax/Bank of Scotland, which was taken over by Lloyds TSB.
Although the merged company's revenue was 7 per cent higher at 11.9 billion pounds, Lloyds posted a pretax loss of 3.96 billion pounds. Pro-forma figures assume that HBOS was part of the company from Jan. 1 and excludes certain exceptional items.
"Our first half loss was driven by the high levels of impairment. The core business delivered a resilient performance, despite the weak economy," Daniels said.
The company said it expected only weak growth in the British economy next year.
Lloyds Banking Group was formed on Jan. 19 with the completion of the acquisition of HBOS. The government, which waived regulatory restraints to allow the combination and then had to bail out the combined group, now holds a 43.4 percent stake.
Lloyds said it is still talking to the government about terms for joining the Asset Protection Scheme, which would insure some risky assets but also likely raise the government's stake in the bank. Lloyds said about 40 percent of the assets which contributed to the first half impairment charge would probably be covered by the insurance."
Wenn ich in einem deutschen Forum 5 Milliarden schreibe, dann denken einige vielleicht in Euro..... wieder andere denken da es ja eine englische Bank ist, könnte es sich um Pounds handeln.....
Wer allerdings würde auf Dollar kommen.....?
Das sind meist die Feinheiten an der Börse..... ;-))
Also locker bleiben und das nächste mal einen Link dazu oder drücke mal die Copy Taste statt dich über andere lustig zu machen.....meine Meinung
Euro 1,20 bis Ende August
Euro 1,40 bis Ende September
Euro 2,00 bis Ende 2009
andererseits, das loanbook wird zunehmend schlechter...
Gottseidank bin ich ein Anhänger der TGF (The Greater Fool) Theorie bei meinem Lloyds Depot.
Wahrscheinlich dauert es wieder ein halbes Jahr, bis man merkt, daß wir auf einer Luftwolke spazieren gehen...
Bis dahin ist nach oben alles mögliche möglich...
Kapitalerhöhung umstritten
Debatte bei Lloyds
Hauptanteilseigner der teilverstaatlichten britischen Bankengruppe Lloyds haben Zweifel am Sinn einer möglichen Kapitalerhöhung der Großbank geäußert.
Er denke nicht, dass es viele Interessenten dafür geben würde, sagte ein Großaktionär, der seinen Namen nicht nennen wollte, gegenüber Reuters. Er sehe nicht, wie das organisiert werden könne.
Milliardenverlust im ersten Halbjahr.
(Foto: AP)
Lloyds erwägt einem Zeitungsbericht zufolge den Einfluss der Londoner Regierung durch eine 15 Mrd. Pfund schwere Kapitalerhöhung zu begrenzen. Konzernchef Eric Daniel sei zu der Überzeugung gelangt, dass die Kosten von rund 16 Mrd. Pfund für die vom Staat gegebenen Sicherheiten zu hoch seien und der Regierung zuviel Kontrolle über das Bankgeschäft gäben, hatte die "Sunday Times" berichtet. Erst Anfang des Jahres hatte Lloyds zugestimmt, Vermögenswerte in Höhe von 260 Mrd. Pfund durch staatliche Garantien schützen zu lassen.
Bisher hat die Großbank zu dem Zeitungsbericht lediglich dadurch Stellung genommen, dass sie angab, zusammen mit dem Finanzministerium weiter an den Details für eine staatliche Absicherung gegen Kreditausfälle zu arbeiten. Eine Entscheidung solle im Interesse der Anteilseigner gefällt werden.
Lloyds hatte im ersten Halbjahr infolge von faulen Krediten einen Verlust von vier Mrd. Pfund verzeichnet, gab aber dennoch einen optimistischen Ausblick. Die britische Regierung war im Zuge der Finanzkrise mit 43 Prozent bei dem Institut eingestiegen. Die Lloyds-Aktien gaben in London vier Prozent nach.
wne/rts
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Wertpapier: Lloyds Plc. |
Shares in part-nationalised British bank Lloyds PLC dropped 5 per cent in London on speculation the lender is considering a multibillion-pound share issue as part of a plan to reduce its reliance on the government.
Lloyds agreed in March to put about £260 billion ($A520 billion) of bad loans into the government's asset protection scheme, an insurance program for toxic debt, but is now reported to be concerned about the £16 billion ($A31.96 billion) worth of fees attached to the program.
Unveiling earnings last week, the bank said it expected its bad debts had peaked at the £13.4 billion ($A26.76 billion) it reported for the first six months of the year, leading to speculation about whether it needs the asset protection program to the extent it initially envisioned.
The Sunday Times reported that Lloyds was considering raising between £15 billion ($A29.96 billion) and £25 billion ($A49.93 billion) to reduce the bank's exposure to the asset protection plan.
Lloyds declined to comment on the reports that it would raise capital.
The bank would need the approval of the government, which holds a 43 per cent stake in the group, to go ahead with such a plan.
Lloyds shares were down 5.19 pence at 96.81 pence in midmorning trade on the London Stock Exchange.
HSBC currently holds the record for a cash-call on shareholders in Britain, raising £13.5 billion ($A26.96 billion) in an offering earlier this year.
AP
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Hochgerechnete Buchgewinne oder Verluste spielen da eigentlich nicht so eine Rolle. Entscheidend ist die Positionierung im Retail und ob Lloyds sie beibehalten kann.
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http://www.prweek.com/news/926740/...ate-News---Lloyds-Banking-Group/
- In a nutshell: The Lloyds Banking Group is said to be weighing up a £15bn rights issue to avoid falling into majority government ownership. Lloyds is set to place £260bn of assets into the Government's Asset Protection Scheme, but is reluctant to pay the £16bn costs associated with the move. The group is 43 per cent owned by the state, but placing £260bn in the scheme would see this rise to more than 60 per cent. Lloyds got away with a £4bn rights issue in May and last week announced a £4bn loss in the first half of the year.
- The reaction? The news dominated the business pages after being broken in The Sunday Times. The Lloyds share price dropped almost five per cent in morning trading. Reuters quoted two large shareholders doubting such a deal could be done. One of the group's top ten shareholders said: 'We don't see how this could be made to work ... it would be surprising if there is that much appetite for Lloyds' stock.'
- What happens next? The reluctance to pay the hefty fees for participation in the Asset Protection Scheme and to sacrifice more control to the Government is understandable. But Lloyds will need to be very sure there is appetite in the market to absorb such a huge volume of new shares. There were notable rights issues failures in the sector back in 2008 before the banking crisis really took hold.
£15bn, Amount Lloyds is said to be looking to raise
Lloyds attacked after about-turn on C&G branches By Philip Aldrick, 6:28PM BST 19 Aug 2009
http://www.telegraph.co.uk/finance/newsbysector/...andG-branches.html
Unite, the union, said the announcement came "with no warning and will make the workforce wonder whether their bosses have any long-term strategy". Lloyds said in June that the C&G branches, which specialise in mortgages and savings, would be closed in November as part of a shake-up of its loan operations.
"The stress [staff] have endured over the last 10 weeks since they were told that they would lose their jobs smacks of poor management," Rob MacGregor, Unite national officer, said. "Unite finds it wholly unacceptable that Lloyds changes its mind on the future of their staff as fast as the summer weather in this country."
Lloyds would not explain the decision. A spokesman only confirmed: "Lloyds is reviewing the planned closure of the C&G network. Customers will continue to use the C&G network as usual."
It gave no details on a possible timescale for the review. However, bankers said the strategic about turn "smells of European regulators" and could indicate it plans to sell C&G to appease competition concerns. Lloyds is seeking European state-aid approval to use taxpayer insurance for £260bn of its toxic loans. The regulator has suggested Lloyds will have to reduce its dominance in mortgages and deposits, in which it has about a third of the market, as a condition of approval. As a result, it is expected to have to sell as many as 600 of its 3,000 branches.
One banker said that selling C&G would play to Europe's demands and potentially help increase competition. However, they added that it would be difficult to find a buyer as savings are loss-making currently due to the low-interest rate environment and lenders would rather write new mortgages than acquire an old book with potential problems. A decision to sell C&G would breathe new life into the 159-year-old high street name. Lloyds had planned to close the business on the high street but continue to use it as an intermediary mortgage brand offered by independent financial advisers, alongside Scottish Widowns and the Birmingham Midshires and Halifax brands acquired with the purchase of HBOS.
Lloyds job losses had reached 8,200 including the C&G branch closures. As many as 25,000 are expected to be axed from the 140,000-strong workforce by the times the integration with HBOS is complete. Lloyds shares rose 1.96 to 98.72p.
Wann kommt endlich die Genehmigung der EU. Lloyds hält sich im allgemeinen Umfeld relativ gut.
Rechne Ende des Jahres mit 2 Euro. Was hälst du davon?
Gruß meistersebi
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Wertpapier: Lloyds Plc. |
Was heisst LBG haelt sich gut? Wer sagt das? LBG befindet sich zwischen RBS und Barclays (NR und BB waren schlechter als RBS und sind untergegangen, HSBC hat sich noch besser als Barclays geschlagen). Es ist also die 2t schlechteste lebende britische Bank. Also ein halber Zombie. LBG hat verglichen mit den beiden anderen kriselnden aber noch lebenden RBS und Barclays seit den Tiefstaenden sich sehr viel schlechter erholt.
LBG ist hauptsaechlich eine Hypotheken-Bank, ihr der Wert bemisst sich hauptsaechlich nach der Qualitaet des Hypotheken-Buchs. Und dieser ist den Umstaenden entsprechend toxisch. Die jetzt in Angriff genommene KE Erhoehung ist sehr noetig, wird aber den Wert der Alt-Aktie weiterverduennen.
Realistisch ist eine Obergrenze von 1.2. Ich muss sagen, ich mach bei einer KE voll mit, sonst werde aber fruehestens unter 0.60 zukaufen.
ING hebt Ziel für Lloyds auf 100 Pence - 'Hold'
Die ING hat das Kursziel für die Aktie der Lloyds Banking Group von 70,00 auf 100,00 Pence erhöht und die Einstufung "Hold" bestätigt. Die britische Bank plane eine Kapitalerhöhung über zehn Milliarden Pfund, um die Abhängigkeit von der Regierung einzudämmen, schrieb Analyst Andreas Mavrikakis in einer Studie am Montag. Dies würde derzeit von der britischen Finanzaufsicht geprüft. Langfristig sieht der Experte für die Aktie ein Aufwärtspotenzial von 100 Prozent und ein begrenztes Abwärtsrisiko. Kurzfristig werde sich die Aktie aber wahrscheinlich schlechter als der Markt entwickeln. Dies gelte vor allem dann, wenn die Kapitalerhöhung genehmigt werde, und obwohl das Management signalisiert habe, dass die Abschreibungen im ersten Halbjahr 2009 ihren Höchststand erreicht hätten.
AFA0009 2009-09-07/11:50
© 2009 APA-dpa-AFX-Analyser
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Bin ich erstmal raus da letzte mal habe ich Teuer bezahlt..
Ist besser erst danach wieder einzusteigen...
Lg Prinz