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CYBG

LSE:CYBG
Snowflake Description

Flawless balance sheet with reasonable growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
CYBG
LSE
£3B
Market Cap
  1. Home
  2. GB
  3. Banks
Company description

CYBG PLC, through its subsidiaries, provides retail and business banking products and services to individuals and businesses under the Clydesdale Bank, Yorkshire Bank, B, and Virgin Money brands in the United Kingdom. The last earnings update was 146 days ago. More info.


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CYBG Share Price and Events
7 Day Returns
1.3%
LSE:CYBG
1%
GB Banks
0.6%
GB Market
1 Year Returns
-28%
LSE:CYBG
-8.7%
GB Banks
1.1%
GB Market
CYBG Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
CYBG (CYBG) 1.3% 14.9% 12.6% -28% -6% -
GB Banks 1% 7.9% 4.8% -8.7% 17% -11.2%
GB Market 0.6% 3.6% 6.9% 1.1% 15.6% 6.2%
1 Year Return vs Industry and Market
  • CYBG underperformed the Banks industry which returned -8.7% over the past year.
  • CYBG underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 1.1% over the past year.
Price Volatility
CYBG
Industry
5yr Volatility vs Market

Value

 Is CYBG undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of CYBG to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for CYBG.

LSE:CYBG Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 17 analysts.
= Stable Book Value * Return on Equity
= £3.32 * 8.4%
£0.28
Book Value of Equity per Share Weighted future Book Value estimates from 10 analysts. £3.32
Discount Rate (Cost of Equity) See below 11.8%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:CYBG
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6.7%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.593 (1 + (1- 19%) (270.03%))
1.597
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.6
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (1.597 * 6.65%)
11.84%

Discounted Cash Flow Calculation for LSE:CYBG using Excess Returns Model Model

The calculations below outline how an intrinsic value for CYBG is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:CYBG Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (8.4% – 11.84%) * £3.32)
£-0.12
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= £-0.12 / (11.84% - 1.23%)
£-1.09
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= £3.32 + £-1.09
£2.24
LSE:CYBG Discount to Share Price
Calculation Result
Value per share (GBP) From above. £2.24
Current discount Discount to share price of £2.18
= -1 x (£2.18 - £2.24) / £2.24
2.8%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price CYBG is available for.
Intrinsic value
3%
Share price is £2.18 vs Future cash flow value of £2.24
Current Discount Checks
For CYBG to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • CYBG's share price is below the future cash flow value, but not at a moderate discount (< 20%).
  • CYBG's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for CYBG's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are CYBG's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:CYBG PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-09-30) in GBP £-0.20
LSE:CYBG Share Price ** LSE (2019-04-18) in GBP £2.18
United Kingdom of Great Britain and Northern Ireland Banks Industry PE Ratio Median Figure of 15 Publicly-Listed Banks Companies 10.35x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 797 Publicly-Listed Companies 16.29x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of CYBG.

LSE:CYBG PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= LSE:CYBG Share Price ÷ EPS (both in GBP)

= 2.18 ÷ -0.20

-11.06x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • CYBG is loss making, we can't compare its value to the GB Banks industry average.
  • CYBG is loss making, we can't compare the value of its earnings to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does CYBG's expected growth come at a high price?
Raw Data
LSE:CYBG PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -11.06x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 17 Analysts
56.7%per year
United Kingdom of Great Britain and Northern Ireland Banks Industry PEG Ratio Median Figure of 14 Publicly-Listed Banks Companies 0.86x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 564 Publicly-Listed Companies 1.48x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for CYBG, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on CYBG's assets?
Raw Data
LSE:CYBG PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-09-30) in GBP £3.60
LSE:CYBG Share Price * LSE (2019-04-18) in GBP £2.18
United Kingdom of Great Britain and Northern Ireland Banks Industry PB Ratio Median Figure of 16 Publicly-Listed Banks Companies 0.88x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,367 Publicly-Listed Companies 1.51x
LSE:CYBG PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= LSE:CYBG Share Price ÷ Book Value per Share (both in GBP)

= 2.18 ÷ 3.60

0.6x

* Primary Listing of CYBG.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • CYBG is good value based on assets compared to the GB Banks industry average.
X
Value checks
We assess CYBG's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. CYBG has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is CYBG expected to perform in the next 1 to 3 years based on estimates from 17 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
56.7%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is CYBG expected to grow at an attractive rate?
  • CYBG's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • CYBG's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • CYBG's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:CYBG Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:CYBG Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 17 Analysts 56.7%
LSE:CYBG Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 17 Analysts 14.3%
United Kingdom of Great Britain and Northern Ireland Banks Industry Earnings Growth Rate Market Cap Weighted Average 12.7%
United Kingdom of Great Britain and Northern Ireland Banks Industry Revenue Growth Rate Market Cap Weighted Average 4.6%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:CYBG Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 17 Analyst Estimates (S&P Global) See Below
All numbers in GBP Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:CYBG Future Estimates Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-09-30 1,792 381 3
2021-09-30 1,728 350 14
2020-09-30 1,675 266 15
2019-09-30 1,630 191 14
LSE:CYBG Past Financials Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income *
2018-09-30 966 -2,311 -174
2018-06-30 983 -2,565 -64
2018-03-31 999 -2,818 47
2017-12-31 994 -2,025 100
2017-09-30 989 -1,231 153
2017-06-30 979 -283 -21
2017-03-31 969 666 -195
2016-12-31 964 -183 -197
2016-09-30 959 -1,031 -198
2016-06-30 895 -2,440 -283
2016-03-31 830 -3,849 -368
2015-12-31 859 -2,940 -306

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • CYBG's earnings are expected to grow significantly at over 20% yearly.
  • CYBG's revenue is expected to grow by 14.3% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:CYBG Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (6 months ago) See Below
Future Estimates Average of up to 17 Analyst Estimates (S&P Global) See Below

All data from CYBG Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:CYBG Future Estimates Data
Date (Data in GBP Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-09-30 0.26 0.30 0.23 2.00
2021-09-30 0.24 0.34 0.16 8.00
2020-09-30 0.19 0.28 0.11 10.00
2019-09-30 0.12 0.23 0.06 5.00
LSE:CYBG Past Financials Data
Date (Data in GBP Millions) EPS *
2018-09-30 -0.20
2018-06-30 -0.07
2018-03-31 0.05
2017-12-31 0.11
2017-09-30 0.17
2017-06-30 -0.02
2017-03-31 -0.22
2016-12-31 -0.22
2016-09-30 -0.23
2016-06-30 -0.32
2016-03-31 -0.42
2015-12-31 -0.35

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • CYBG is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess CYBG's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
CYBG has a total score of 4/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has CYBG performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare CYBG's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • CYBG does not make a profit even though their year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare CYBG's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare CYBG's 1-year growth to the GB Banks industry average as it is not currently profitable.
Earnings and Revenue History
CYBG's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from CYBG Company Filings, last reported 6 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:CYBG Past Revenue, Cash Flow and Net Income Data
Date (Data in GBP Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-09-30 966.00 -174.00 635.00
2018-06-30 982.50 -63.50 749.50
2018-03-31 999.00 47.00 864.00
2017-12-31 994.00 100.00 776.00
2017-09-30 989.00 153.00 688.00
2017-06-30 979.00 -21.00 692.50
2017-03-31 969.00 -195.00 697.00
2016-12-31 964.00 -196.50 713.00
2016-09-30 959.00 -198.00 729.00
2016-06-30 894.50 -283.00 744.00
2016-03-31 830.00 -368.00 759.00
2015-12-31 858.50 -305.50 735.00
2015-09-30 887.00 -243.00 711.00
2014-09-30 908.00 -198.00 1,119.00
2013-09-30 814.00 -44.00 863.00
2012-09-30 272.00 -656.00 872.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if CYBG has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if CYBG has efficiently used its assets last year compared to the GB Banks industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if CYBG improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess CYBG's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
CYBG has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is CYBG's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of CYBG's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from CYBG Company Filings, last reported 6 months ago.

LSE:CYBG Past Debt and Equity Data
Date (Data in GBP Millions) Total Equity Total Debt Cash & Short Term Investments
2018-09-30 3,186.00 8,419.00 7,208.00
2018-06-30 3,186.00 8,419.00 7,208.00
2018-03-31 3,270.00 7,472.00 6,905.00
2017-12-31 3,270.00 7,472.00 6,905.00
2017-09-30 3,402.00 8,947.00 7,751.00
2017-06-30 3,402.00 8,947.00 7,751.00
2017-03-31 3,249.00 7,537.00 6,340.00
2016-12-31 3,249.00 7,537.00 6,340.00
2016-09-30 3,211.00 6,348.00 7,358.00
2016-06-30 3,211.00 6,348.00 7,358.00
2016-03-31 3,531.00 4,807.00 6,268.00
2015-12-31 3,531.00 4,807.00 6,268.00
2015-09-30 3,443.00 5,160.00 7,855.00
2014-09-30 2,538.00 6,190.00 7,890.00
2013-09-30 2,449.00 5,309.00 9,270.00
2012-09-30 2,619.00 5,827.00 11,506.00
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • CYBG has an acceptable proportion of non-loan assets held.
  • CYBG's liabilities are made up of primarily low risk sources of funding.
  • Loans at CYBG are broadly funded by customer deposits.
  • CYBG's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • CYBG has a sufficient allowance for bad loans.
  • CYBG has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess CYBG's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. CYBG has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is CYBG's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.43%
Current annual income from CYBG dividends. Estimated to be 4.82% next year.
If you bought £2,000 of CYBG shares you are expected to receive £29 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • CYBG's pays a lower dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.02%).
  • CYBG's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.19%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:CYBG Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 17 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Banks Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 4.9%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.2%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:CYBG Future Dividends Estimate Data
Date (Data in £) Dividend per Share (annual) Avg. No. Analysts
2022-09-30 0.15 5.00
2021-09-30 0.13 15.00
2020-09-30 0.11 19.00
2019-09-30 0.07 19.00
LSE:CYBG Past Annualized Dividends Data
Date (Data in £) Dividend per share (annual) Avg. Yield (%)
2018-11-20 0.031 1.599
2017-11-21 0.010 0.322

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • It is too early to tell whether CYBG has stable dividend payments.
  • CYBG only just started paying a dividend, it is too early to tell if payments are increasing.
Current Payout to shareholders
What portion of CYBG's earnings are paid to the shareholders as a dividend.
  • The company is paying a dividend however it is incurring a loss.
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (2.3x coverage).
X
Income/ dividend checks
We assess CYBG's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can CYBG afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. CYBG has a total score of 1/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of CYBG's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
David Duffy
COMPENSATION £1,833,000
AGE 57
TENURE AS CEO 3.5 years
CEO Bio

Mr. David Joseph Duffy, B.B.S., MA, serves as Director at Virgin Money Plc since October 15, 2018 and serves as its Chief Executive office. Mr. Duffy serves as Chief Executive Officer at Virgin Money Holdings (UK). Mr. Duffy serves as Director at Virgin Money Holdings (UK) since October 15, 2018. He has been Chief Executive Officer of CYBG Plc and CYB Investments Limited since June 5, 2015. Mr. Duffy serves as Senior Independent Director of NewTA Limited (trading as UK Finance), the industry body representing leading firms providing finance, banking, markets and paymentsrelated services in or from the UK. Mr. Duffy has been Chief Executive Officer and Executive Director of Clydesdale Bank PLC since June 05, 2015. He served as the President of Banking and Payments Federation Ireland since January 01, 2014. Mr. Duffy has been the President of IBF since January 1, 2014. Mr. Duffy served as the Chief Executive Officer of Allied Irish Banks, P.l.c. from December 15, 2011 to May 29, 2015. He has a wealth of international experience and a sound knowledge of the local market. He also has a proven track record in successfully managing banks through challenging times. He serves as an Advisor for Strategic Corporate Development at Intune Networks. He served as an Executive Director of Allied Irish Banks, P.l.c. from December 15, 2011 to May 29, 2015. He served as the Chief Executive of Corporate and Investment Banking International of Standard Bank Plc at Standard International Holdings SA and Standard Bank Group Limited until May 10, 2010. He served as the Chief Executive of ICBC Standard Bank Plc. He served as the Chief Executive Officer of Standard Bank International covering Asia, Latin America, the UK and Europe. He served as the Chief Executive of Standard Bank Plc. He served a number of senior roles in the international banking industry. He served as the Chief Executive Officer and President of Americas at ING Barings. He served Standard Bank until June 2011 and established Celtic Advisory International, which provides Capital Raising and Corporate Development Advisory Services to corporate and emerging companies. From 2006 to 2011, he served at Standard Bank PLC/ Standard Bank International. He joined Standard Bank in 2006 and served as Head of Strategic projects since October 2010, where he was responsible for a number of international product areas and offshore banking. Since 2007, he was responsible for the full international franchise. From 1998 to 2006, he served at ING Group. He joined ING Barings as Global Head of Human Resources in February 1998 and served as Global Chief Operating Officer since November 1998 and President and Chief Executive Officer of the franchises in the U.S. and Latin America since June 2000. Since September 2004, he served at New York as the Head of the Global Wholesale Banking Network of ING Group, based in Amsterdam. From 1987 to 1997, he served at Goldman Sachs International, where he served as Business Manager of Information Technology, Head of General Services - Europe since 1988, Head of Human Resources Europe since 1993. He has been a Director of CYBG PLC since June 5, 2015 and CYB Investments Limited since September 29, 2015. He served as a Director of ICBC Standard Bank Plc until 2010. He served as a Director of Standard Bank PLC until October 20, 2010. From 1973 to 1979, he attended Terenure College. Mr. Duffy has Bachelor of Business Studies and MA from Trinity College Dublin in 1984 and 1994 respectively.

CEO Compensation
  • David's compensation has been consistent with company performance over the past year.
  • David's remuneration is about average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the CYBG management team in years:

3.3
Average Tenure
49.5
Average Age
  • The tenure for the CYBG management team is about average.
Management Team

David Duffy

TITLE
CEO & Executive Director
COMPENSATION
£2M
AGE
57
TENURE
3.5 yrs

Ian Smith

TITLE
Group CFO & Executive Director
COMPENSATION
£914K
AGE
51
TENURE
3.7 yrs

Fraser Ingram

TITLE
Interim Group Chief Operating Officer

Andrew Downey

TITLE
Head of Investor Relations

James Peirson

TITLE
Group General Counsel & Company Secretary
AGE
40
TENURE
4.4 yrs

Helen Page

TITLE
Group Innovation & Marketing Director
AGE
48
TENURE
2.1 yrs

Enda Johnson

TITLE
Group Corporate Development Director
AGE
38
TENURE
2.1 yrs

Kate Guthrie

TITLE
Group Human Resources Director
AGE
55
TENURE
3.3 yrs

Mark Thundercliffe

TITLE
Group Chief Risk Officer
TENURE
2.6 yrs

Anthony Thompson

TITLE
Head of Corporate Affairs
Board of Directors Tenure

Average tenure and age of the CYBG board of directors in years:

3.5
Average Tenure
57.5
Average Age
  • The tenure for the CYBG board of directors is about average.
Board of Directors

Jim Pettigrew

TITLE
Chairman of the Board
COMPENSATION
£365K
AGE
60
TENURE
5.3 yrs

David Duffy

TITLE
CEO & Executive Director
COMPENSATION
£2M
AGE
57
TENURE
3.5 yrs

David Bennett

TITLE
Deputy Chairman & Senior Independent Non-Executive Director
COMPENSATION
£195K
AGE
56
TENURE
3.5 yrs

Ian Smith

TITLE
Group CFO & Executive Director
COMPENSATION
£914K
AGE
51
TENURE
3.7 yrs

Adrian Grace

TITLE
Independent Non-Executive Director
COMPENSATION
£100K
AGE
55
TENURE
3.6 yrs

Clive Adamson

TITLE
Independent Non-Executive Director
COMPENSATION
£110K
AGE
62
TENURE
2.8 yrs

Tim Wade

TITLE
Independent Non-Executive Director
COMPENSATION
£110K
AGE
58
TENURE
2.6 yrs

Teresa Robson-Capps

TITLE
Independent Non-Executive Director
COMPENSATION
£80K
AGE
63
TENURE
3.6 yrs

Paul Coby

TITLE
Independent Non-Executive Director
COMPENSATION
£80K
AGE
63
TENURE
2.8 yrs

Fiona MacLeod

TITLE
Independent Non-Executive Director
COMPENSATION
£85K
AGE
51
TENURE
2.6 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by CYBG insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (£) Value (£)
02. Apr 19 Buy Ian Smith Individual 01. Apr 19 01. Apr 19 74 £2.03 £150
04. Dec 18 Buy Ian Smith Individual 03. Dec 18 03. Dec 18 73 £2.05 £149
10. Dec 18 Buy Timothy Wade Individual 10. Dec 18 10. Dec 18 30,000 £1.84 £55,251
23. Nov 18 Buy James Pettigrew Individual 22. Nov 18 22. Nov 18 50,000 £2.00 £100,100
15. Oct 18 Sell State Street Global Advisors, Inc. Company 12. Oct 18 12. Oct 18 -376,183 £2.86 £-1,077,388
15. Oct 18 Buy State Street Global Advisors, Inc. Company 12. Oct 18 12. Oct 18 97,595 £2.88 £279,568
15. Oct 18 Sell BlackRock, Inc. Company 12. Oct 18 12. Oct 18 -272,509 £2.90 £-788,470
15. Oct 18 Buy BlackRock, Inc. Company 12. Oct 18 12. Oct 18 838,693 £2.88 £2,411,473
12. Oct 18 Buy State Street Global Advisors, Inc. Company 11. Oct 18 11. Oct 18 5,057 £2.84 £14,372
12. Oct 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 11. Oct 18 11. Oct 18 -53,377 £2.87 £-153,406
12. Oct 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 11. Oct 18 11. Oct 18 30,996 £2.86 £88,525
12. Oct 18 Sell BlackRock, Inc. Company 11. Oct 18 11. Oct 18 -267,953 £2.86 £-766,010
12. Oct 18 Buy BlackRock, Inc. Company 11. Oct 18 11. Oct 18 42,389 £2.84 £120,470
12. Oct 18 Buy Legal & General Investment Management Limited Company 11. Oct 18 11. Oct 18 15,515 £2.85 £44,116
11. Oct 18 Sell Legal & General Investment Management Limited Company 10. Oct 18 10. Oct 18 -30,000 £2.90 £-86,913
11. Oct 18 Sell BlackRock, Inc. Company 10. Oct 18 10. Oct 18 -535,674 £2.91 £-1,545,056
11. Oct 18 Buy State Street Global Advisors, Inc. Company 10. Oct 18 10. Oct 18 535,352 £2.87 £1,538,357
11. Oct 18 Sell Societe Generale Group, Banking Investments Company 10. Oct 18 10. Oct 18 -1,046,750 £2.91 £-3,048,136
11. Oct 18 Buy Societe Generale Group, Banking Investments Company 10. Oct 18 10. Oct 18 207,608 £2.92 £606,215
11. Oct 18 Buy Standard Life Aberdeen plc Company 10. Oct 18 10. Oct 18 35,132 £2.87 £100,969
11. Oct 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 10. Oct 18 10. Oct 18 90,000 £2.91 £262,260
10. Oct 18 Sell Legal & General Investment Management Limited Company 09. Oct 18 09. Oct 18 -100,000 £2.91 £-291,460
10. Oct 18 Sell BlackRock, Inc. Company 09. Oct 18 09. Oct 18 -567,149 £3.03 £-1,650,630
10. Oct 18 Buy BlackRock, Inc. Company 09. Oct 18 09. Oct 18 1,075 £2.90 £3,120
10. Oct 18 Sell Standard Life Aberdeen plc Company 09. Oct 18 09. Oct 18 -6,504 £2.90 £-18,875
10. Oct 18 Sell Societe Generale Group, Banking Investments Company 09. Oct 18 09. Oct 18 -555,373 £3.02 £-1,675,005
10. Oct 18 Buy Societe Generale Group, Banking Investments Company 09. Oct 18 09. Oct 18 172,707 £2.99 £516,394
10. Oct 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 09. Oct 18 09. Oct 18 121,208 £3.03 £367,503
09. Oct 18 Sell BlackRock, Inc. Company 08. Oct 18 08. Oct 18 -61,356 £3.04 £-186,780
09. Oct 18 Sell Societe Generale Group, Banking Investments Company 08. Oct 18 08. Oct 18 -1,546,121 £3.09 £-4,774,421
09. Oct 18 Buy Societe Generale Group, Banking Investments Company 08. Oct 18 08. Oct 18 44,117 £3.07 £135,439
09. Oct 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 08. Oct 18 08. Oct 18 -1,208 £3.03 £-3,663
09. Oct 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 08. Oct 18 08. Oct 18 23,128 £3.08 £0
08. Oct 18 Sell State Street Global Advisors, Inc. Company 05. Oct 18 05. Oct 18 -3,679 £3.07 £-11,295
08. Oct 18 Sell BlackRock, Inc. Company 05. Oct 18 05. Oct 18 -20,223 £3.07 £-62,085
08. Oct 18 Buy BlackRock, Inc. Company 05. Oct 18 05. Oct 18 1,640 £3.07 £5,035
08. Oct 18 Buy Legal & General Investment Management Limited Company 05. Oct 18 05. Oct 18 6,152 £3.10 £19,082
08. Oct 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 05. Oct 18 05. Oct 18 127,879 £3.15 £402,819
08. Oct 18 Buy Societe Generale Group, Banking Investments Company 05. Oct 18 05. Oct 18 121,100 £3.12 £377,348
05. Oct 18 Buy Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 04. Oct 18 04. Oct 18 496,159 £3.09 £1,533,533
05. Oct 18 Sell BlackRock, Inc. Company 04. Oct 18 04. Oct 18 -7,500 £3.18 £-23,835
05. Oct 18 Buy BlackRock, Inc. Company 04. Oct 18 04. Oct 18 2,318,310 £3.18 £7,222,558
05. Oct 18 Sell State Street Global Advisors, Inc. Company 04. Oct 18 04. Oct 18 -4,926 £3.18 £-15,655
05. Oct 18 Buy Legal & General Investment Management Limited Company 04. Oct 18 04. Oct 18 9,580 £3.18 £30,445
05. Oct 18 Sell Societe Generale Group, Banking Investments Company 04. Oct 18 04. Oct 18 -375,711 £3.21 £-1,207,535
05. Oct 18 Buy Societe Generale Group, Banking Investments Company 04. Oct 18 04. Oct 18 211,312 £3.20 £675,776
05. Oct 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 04. Oct 18 04. Oct 18 -25,000 £3.18 £-79,450
05. Oct 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 04. Oct 18 04. Oct 18 169,758 £3.15 £535,077
04. Oct 18 Sell BlackRock, Inc. Company 03. Oct 18 03. Oct 18 -85,362 £3.10 £-264,281
04. Oct 18 Buy BlackRock, Inc. Company 03. Oct 18 03. Oct 18 2,048 £3.09 £6,326
04. Oct 18 Buy M&G Investment Management Limited Company 03. Oct 18 03. Oct 18 200,000 £3.08 £616,000
04. Oct 18 Sell Societe Generale Group, Banking Investments Company 03. Oct 18 03. Oct 18 -51,167 £3.11 £-159,232
04. Oct 18 Buy Societe Generale Group, Banking Investments Company 03. Oct 18 03. Oct 18 60,024 £3.10 £185,834
04. Oct 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 03. Oct 18 03. Oct 18 247,096 £3.11 £769,457
03. Oct 18 Sell BlackRock, Inc. Company 02. Oct 18 02. Oct 18 -8,896 £3.08 £-27,417
03. Oct 18 Sell Societe Generale Group, Banking Investments Company 02. Oct 18 02. Oct 18 -57,770 £1.72 £-99,382
03. Oct 18 Buy Societe Generale Group, Banking Investments Company 02. Oct 18 02. Oct 18 202,417 £1.71 £347,097
02. Oct 18 Sell BlackRock, Inc. Company 01. Oct 18 01. Oct 18 -87,409 £3.20 £-280,120
02. Oct 18 Buy BlackRock, Inc. Company 01. Oct 18 01. Oct 18 1,075 £3.20 £3,436
03. Oct 18 Sell Morgan Stanley, Investment Banking and Brokerage Investments Company 02. Oct 18 02. Oct 18 -182,355 £3.22 £-587,949
03. Oct 18 Buy Morgan Stanley, Investment Banking and Brokerage Investments Company 02. Oct 18 02. Oct 18 205,966 £3.24 £666,361
02. Oct 18 Buy State Street Global Advisors, Inc. Company 01. Oct 18 01. Oct 18 2,732 £3.20 £8,731
02. Oct 18 Buy Ian Smith Individual 01. Oct 18 01. Oct 18 47 £3.22 £151
02. Oct 18 Sell Societe Generale Group, Banking Investments Company 01. Oct 18 01. Oct 18 -161,047 £3.24 £-521,470
02. Oct 18 Buy Societe Generale Group, Banking Investments Company 01. Oct 18 01. Oct 18 118,816 £3.22 £382,350
01. Oct 18 Sell BlackRock, Inc. Company 28. Sep 18 28. Sep 18 -5,599 £3.24 £-18,130
01. Oct 18 Buy BlackRock, Inc. Company 28. Sep 18 28. Sep 18 28,345 £3.24 £91,656
01. Oct 18 Buy Legal & General Investment Management Limited Company 28. Sep 18 28. Sep 18 10,544 £3.24 £34,141
01. Oct 18 Sell Societe Generale Group, Banking Investments Company 28. Sep 18 28. Sep 18 -120,411 £3.24 £-389,891
01. Oct 18 Buy Societe Generale Group, Banking Investments Company 28. Sep 18 28. Sep 18 157,677 £3.26 £514,027
01. Oct 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 28. Sep 18 28. Sep 18 60,000 £3.24 £194,400
28. Sep 18 Sell Societe Generale Group, Banking Investments Company 27. Sep 18 27. Sep 18 -20,856 £3.26 £-68,074
28. Sep 18 Buy Societe Generale Group, Banking Investments Company 27. Sep 18 27. Sep 18 1,591,713 £3.27 £5,204,902
28. Sep 18 Sell BlackRock, Inc. Company 27. Sep 18 27. Sep 18 -15,549 £3.26 £-50,659
28. Sep 18 Sell Standard Life Aberdeen plc Company 27. Sep 18 27. Sep 18 -10,906 £3.25 £-35,390
28. Sep 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 27. Sep 18 27. Sep 18 -70,000 £3.27 £-228,760
27. Sep 18 Buy BlackRock, Inc. Company 26. Sep 18 26. Sep 18 2,150 £3.26 £7,018
27. Sep 18 Buy Legal & General Investment Management Limited Company 26. Sep 18 26. Sep 18 2,393 £3.26 £7,804
27. Sep 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 26. Sep 18 26. Sep 18 -10,938 £3.25 £-35,591
27. Sep 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 26. Sep 18 26. Sep 18 50,000 £3.26 £163,200
27. Sep 18 Sell Societe Generale Group, Banking Investments Company 26. Sep 18 26. Sep 18 -36,175 £3.26 £-118,075
27. Sep 18 Buy Societe Generale Group, Banking Investments Company 26. Sep 18 26. Sep 18 40,988 £3.27 £133,867
26. Sep 18 Buy Legal & General Investment Management Limited Company 25. Sep 18 25. Sep 18 75,000 £3.22 £241,800
26. Sep 18 Sell BlackRock, Inc. Company 25. Sep 18 25. Sep 18 -5,123 £3.22 £-16,517
26. Sep 18 Sell Societe Generale Group, Banking Investments Company 25. Sep 18 25. Sep 18 -19,930 £3.28 £-65,331
26. Sep 18 Buy Societe Generale Group, Banking Investments Company 25. Sep 18 25. Sep 18 90,722 £3.27 £296,298
25. Sep 18 Sell Legal & General Investment Management Limited Company 24. Sep 18 24. Sep 18 -26,902 £3.29 £-88,454
25. Sep 18 Sell Societe Generale Group, Banking Investments Company 24. Sep 18 24. Sep 18 -138,949 £3.31 £-459,643
25. Sep 18 Buy Societe Generale Group, Banking Investments Company 24. Sep 18 24. Sep 18 35,389 £3.30 £116,784
25. Sep 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 24. Sep 18 24. Sep 18 -120,027 £3.30 £-395,609
24. Sep 18 Sell Societe Generale Group, Banking Investments Company 21. Sep 18 21. Sep 18 -145,503 £3.31 £-481,615
24. Sep 18 Buy Societe Generale Group, Banking Investments Company 21. Sep 18 21. Sep 18 164,702 £3.31 £545,164
24. Sep 18 Buy Legal & General Investment Management Limited Company 21. Sep 18 21. Sep 18 114,523 £3.31 £379,071
24. Sep 18 Sell BlackRock, Inc. Company 21. Sep 18 21. Sep 18 -28,719 £3.31 £-95,060
24. Sep 18 Buy BlackRock, Inc. Company 21. Sep 18 21. Sep 18 221,878 £3.31 £734,416
24. Sep 18 Buy State Street Global Advisors, Inc. Company 21. Sep 18 21. Sep 18 67,330 £3.30 £222,048
24. Sep 18 Sell Standard Life Aberdeen plc Company 21. Sep 18 21. Sep 18 -22,864 £3.31 £-75,680
21. Sep 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 20. Sep 18 20. Sep 18 87 £3.33 £290
21. Sep 18 Sell Societe Generale Group, Banking Investments Company 20. Sep 18 20. Sep 18 -80,673 £3.32 £-268,157
21. Sep 18 Buy Societe Generale Group, Banking Investments Company 20. Sep 18 20. Sep 18 274,070 £3.34 £914,298
20. Sep 18 Buy BlackRock, Inc. Company 19. Sep 18 19. Sep 18 258 £3.32 £858
20. Sep 18 Sell Societe Generale Group, Banking Investments Company 19. Sep 18 19. Sep 18 -9,876 £3.32 £-32,828
20. Sep 18 Buy Societe Generale Group, Banking Investments Company 19. Sep 18 19. Sep 18 112,576 £3.32 £373,527
19. Sep 18 Sell Societe Generale Group, Banking Investments Company 18. Sep 18 18. Sep 18 -53,421 £3.31 £-177,037
19. Sep 18 Buy Societe Generale Group, Banking Investments Company 18. Sep 18 18. Sep 18 64,360 £3.32 £213,546
18. Sep 18 Sell BlackRock, Inc. Company 17. Sep 18 17. Sep 18 -9,788 £3.34 £-32,653
18. Sep 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 17. Sep 18 17. Sep 18 98,267 £3.34 £328,408
18. Sep 18 Sell Societe Generale Group, Banking Investments Company 17. Sep 18 17. Sep 18 -9,014 £3.34 £-30,089
18. Sep 18 Buy Societe Generale Group, Banking Investments Company 17. Sep 18 17. Sep 18 44,164 £3.35 £147,773
17. Sep 18 Sell BlackRock, Inc. Company 14. Sep 18 14. Sep 18 -10,365 £3.33 £-34,536
17. Sep 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 14. Sep 18 14. Sep 18 -39,390 £3.35 £-132,035
17. Sep 18 Buy Societe Generale Group, Banking Investments Company 14. Sep 18 14. Sep 18 1,035,897 £3.36 £3,478,542
17. Sep 18 Sell State Street Global Advisors, Inc. Company 14. Sep 18 14. Sep 18 -1,358 £3.33 £-4,525
14. Sep 18 Sell BlackRock, Inc. Company 13. Sep 18 13. Sep 18 -6,020 £3.36 £-20,227
14. Sep 18 Buy Legal & General Investment Management Limited Company 13. Sep 18 13. Sep 18 1,850 £3.36 £6,220
14. Sep 18 Sell State Street Global Advisors, Inc. Company 13. Sep 18 13. Sep 18 -4,074 £3.36 £-13,689
14. Sep 18 Sell Societe Generale Group, Banking Investments Company 13. Sep 18 13. Sep 18 -39,699 £3.37 £-133,627
14. Sep 18 Buy Societe Generale Group, Banking Investments Company 13. Sep 18 13. Sep 18 103,286 £3.38 £348,900
14. Sep 18 Buy Dnr Capital Pty Ltd Company 13. Sep 18 13. Sep 18 4,984 £6.12 £30,488
12. Sep 18 Sell BlackRock, Inc. Company 11. Sep 18 11. Sep 18 -21,500 £3.37 £-72,412
12. Sep 18 Buy State Street Global Advisors, Inc. Company 11. Sep 18 11. Sep 18 237,013 £3.36 £795,821
12. Sep 18 Sell Societe Generale Group, Banking Investments Company 11. Sep 18 11. Sep 18 -74,662 £3.37 £-251,462
12. Sep 18 Buy Societe Generale Group, Banking Investments Company 11. Sep 18 11. Sep 18 16,793 £3.37 £56,559
12. Sep 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 11. Sep 18 11. Sep 18 -135,651 £3.36 £-455,787
13. Sep 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 12. Sep 18 12. Sep 18 668,782 £3.37 £2,253,795
13. Sep 18 Sell Societe Generale Group, Banking Investments Company 12. Sep 18 12. Sep 18 -34,307 £3.36 £-115,203
13. Sep 18 Buy Societe Generale Group, Banking Investments Company 12. Sep 18 12. Sep 18 1,567,624 £3.37 £5,282,893
11. Sep 18 Sell BlackRock, Inc. Company 10. Sep 18 10. Sep 18 -7,560 £3.34 £-25,266
11. Sep 18 Buy Standard Life Aberdeen plc Company 10. Sep 18 10. Sep 18 40,198 £3.34 £134,342
11. Sep 18 Sell Societe Generale Group, Banking Investments Company 10. Sep 18 10. Sep 18 -45,900 £3.39 £-155,417
11. Sep 18 Buy Societe Generale Group, Banking Investments Company 10. Sep 18 10. Sep 18 53,811 £3.37 £181,558
10. Sep 18 Sell Societe Generale Group, Banking Investments Company 07. Sep 18 07. Sep 18 -115,904 £3.32 £-385,033
10. Sep 18 Buy Societe Generale Group, Banking Investments Company 07. Sep 18 07. Sep 18 2,080 £3.32 £6,910
10. Sep 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 07. Sep 18 07. Sep 18 -50,000 £3.32 £-166,000
07. Sep 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 06. Sep 18 06. Sep 18 -15,000 £3.34 £-50,100
07. Sep 18 Sell Societe Generale Group, Banking Investments Company 06. Sep 18 06. Sep 18 -56,299 £3.34 £-188,151
07. Sep 18 Buy Societe Generale Group, Banking Investments Company 06. Sep 18 06. Sep 18 9,242 £3.34 £30,887
06. Sep 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 05. Sep 18 05. Sep 18 -50,000 £3.35 £-167,500
06. Sep 18 Sell BlackRock, Inc. Company 05. Sep 18 05. Sep 18 -11,183 £3.34 £-37,329
06. Sep 18 Sell Legal & General Investment Management Limited Company 05. Sep 18 05. Sep 18 -7,197 £3.37 £-24,230
06. Sep 18 Sell Societe Generale Group, Banking Investments Company 05. Sep 18 05. Sep 18 -10,133 £3.40 £-34,412
06. Sep 18 Buy Societe Generale Group, Banking Investments Company 05. Sep 18 05. Sep 18 84,456 £3.37 £284,786
05. Sep 18 Sell Societe Generale Group, Banking Investments Company 04. Sep 18 04. Sep 18 -755,987 £3.39 £-2,559,772
05. Sep 18 Buy Societe Generale Group, Banking Investments Company 04. Sep 18 04. Sep 18 23,495 £3.37 £79,272
05. Sep 18 Buy Legal & General Investment Management Limited Company 04. Sep 18 04. Sep 18 3,763 £3.37 £12,696
05. Sep 18 Sell BlackRock, Inc. Company 04. Sep 18 04. Sep 18 -159,518 £3.34 £-533,014
05. Sep 18 Buy BlackRock, Inc. Company 04. Sep 18 04. Sep 18 13,710 £3.37 £46,258
05. Sep 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 04. Sep 18 04. Sep 18 -50,000 £3.37 £-168,500
04. Sep 18 Sell Societe Generale Group, Banking Investments Company 03. Sep 18 03. Sep 18 -50,841 £3.32 £-168,792
04. Sep 18 Buy Societe Generale Group, Banking Investments Company 03. Sep 18 03. Sep 18 38,497 £3.34 £128,580
04. Sep 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 03. Sep 18 03. Sep 18 -100,000 £3.32 £-332,000
03. Sep 18 Buy BlackRock, Inc. Company 31. Aug 18 31. Aug 18 134,320 £3.32 £445,942
03. Sep 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 31. Aug 18 31. Aug 18 -114,700 £3.32 £-380,804
03. Sep 18 Sell Societe Generale Group, Banking Investments Company 31. Aug 18 31. Aug 18 -47,389 £3.34 £-158,184
03. Sep 18 Buy Societe Generale Group, Banking Investments Company 31. Aug 18 31. Aug 18 1,827 £3.34 £6,099
31. Aug 18 Buy BlackRock, Inc. Company 30. Aug 18 30. Aug 18 2,299 £3.33 £7,660
31. Aug 18 Sell Societe Generale Group, Banking Investments Company 30. Aug 18 30. Aug 18 -218,615 £3.35 £-733,235
31. Aug 18 Buy Societe Generale Group, Banking Investments Company 30. Aug 18 30. Aug 18 6,356 £3.34 £21,204
31. Aug 18 Buy Standard Life Aberdeen plc Company 30. Aug 18 30. Aug 18 350,074 £3.34 £1,167,787
30. Aug 18 Sell Societe Generale Group, Banking Investments Company 29. Aug 18 29. Aug 18 -277,697 £3.37 £-935,283
30. Aug 18 Buy Societe Generale Group, Banking Investments Company 29. Aug 18 29. Aug 18 26,399 £3.38 £89,334
30. Aug 18 Sell Legal & General Investment Management Limited Company 29. Aug 18 29. Aug 18 -119,211 £3.38 £-402,456
30. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 29. Aug 18 29. Aug 18 33,474 £3.37 £112,807
29. Aug 18 Sell BlackRock, Inc. Company 28. Aug 18 28. Aug 18 -21,006 £3.38 £-71,084
29. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 28. Aug 18 28. Aug 18 2,457 £3.37 £8,280
29. Aug 18 Sell Societe Generale Group, Banking Investments Company 28. Aug 18 28. Aug 18 -182,289 £3.38 £-616,775
29. Aug 18 Buy Societe Generale Group, Banking Investments Company 28. Aug 18 28. Aug 18 118,464 £3.40 £403,014
28. Aug 18 Sell State Street Global Advisors, Inc. Company 24. Aug 18 24. Aug 18 -9,677 £3.38 £-32,747
28. Aug 18 Sell Societe Generale Group, Banking Investments Company 24. Aug 18 24. Aug 18 -10,814 £3.38 £-36,595
28. Aug 18 Buy Societe Generale Group, Banking Investments Company 24. Aug 18 24. Aug 18 120,457 £3.39 £408,831
28. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 24. Aug 18 24. Aug 18 42,102 £3.39 £142,642
24. Aug 18 Buy BlackRock, Inc. Company 23. Aug 18 23. Aug 18 49,575 £3.37 £167,167
24. Aug 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 23. Aug 18 23. Aug 18 -40,000 £3.40 £-136,080
24. Aug 18 Sell Societe Generale Group, Banking Investments Company 23. Aug 18 23. Aug 18 -6,248 £3.40 £-21,243
24. Aug 18 Buy Societe Generale Group, Banking Investments Company 23. Aug 18 23. Aug 18 18,218 £3.39 £61,832
23. Aug 18 Buy BlackRock, Inc. Company 22. Aug 18 22. Aug 18 2,297 £3.40 £7,810
23. Aug 18 Sell Societe Generale Group, Banking Investments Company 22. Aug 18 22. Aug 18 -38,663 £3.42 £-132,382
23. Aug 18 Buy Societe Generale Group, Banking Investments Company 22. Aug 18 22. Aug 18 50,928 £3.42 £174,276
23. Aug 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 22. Aug 18 22. Aug 18 -216,951 £3.42 £0
23. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 22. Aug 18 22. Aug 18 317 £3.39 £1,075
22. Aug 18 Buy Legal & General Investment Management Limited Company 21. Aug 18 21. Aug 18 17,865 £3.44 £61,373
22. Aug 18 Buy State Street Global Advisors, Inc. Company 21. Aug 18 21. Aug 18 17,320 £3.44 £59,581
22. Aug 18 Sell Societe Generale Group, Banking Investments Company 21. Aug 18 21. Aug 18 -30,455 £3.44 £-104,765
22. Aug 18 Buy Societe Generale Group, Banking Investments Company 21. Aug 18 21. Aug 18 61,035 £3.45 £210,327
22. Aug 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 21. Aug 18 21. Aug 18 -110,000 £3.45 £-379,940
21. Aug 18 Sell Societe Generale Group, Banking Investments Company 20. Aug 18 20. Aug 18 -21,050 £3.48 £-73,338
21. Aug 18 Buy Societe Generale Group, Banking Investments Company 20. Aug 18 20. Aug 18 21,852 £3.48 £76,001
21. Aug 18 Sell Standard Life Aberdeen plc Company 20. Aug 18 20. Aug 18 -51,967 £3.48 £-181,053
20. Aug 18 Buy BlackRock, Inc. Company 17. Aug 18 17. Aug 18 1,075 £3.46 £3,722
20. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 17. Aug 18 17. Aug 18 20,000 £3.45 £69,000
20. Aug 18 Sell Societe Generale Group, Banking Investments Company 17. Aug 18 17. Aug 18 -44,772 £3.49 £-156,160
20. Aug 18 Buy Societe Generale Group, Banking Investments Company 17. Aug 18 17. Aug 18 7,313 £3.47 £25,347
17. Aug 18 Buy State Street Global Advisors, Inc. Company 16. Aug 18 16. Aug 18 42,073 £3.50 £147,256
17. Aug 18 Sell BlackRock, Inc. Company 16. Aug 18 16. Aug 18 -11,168 £3.50 £-39,088
17. Aug 18 Buy Societe Generale Group, Banking Investments Company 16. Aug 18 16. Aug 18 10,888 £3.50 £38,108
17. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 16. Aug 18 16. Aug 18 30,000 £3.48 £104,520
16. Aug 18 Sell BlackRock, Inc. Company 15. Aug 18 15. Aug 18 -129,706 £3.45 £-446,891
16. Aug 18 Sell Societe Generale Group, Banking Investments Company 15. Aug 18 15. Aug 18 -35,526 £3.49 £-123,844
16. Aug 18 Buy Societe Generale Group, Banking Investments Company 15. Aug 18 15. Aug 18 6,120 £3.49 £21,347
16. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 15. Aug 18 15. Aug 18 170,000 £3.49 £593,300
15. Aug 18 Sell BlackRock, Inc. Company 14. Aug 18 14. Aug 18 -8,527 £3.51 £-29,955
15. Aug 18 Buy BlackRock, Inc. Company 14. Aug 18 14. Aug 18 4,594 £3.48 £16,005
15. Aug 18 Sell State Street Global Advisors, Inc. Company 14. Aug 18 14. Aug 18 -2,314 £3.48 £-8,062
15. Aug 18 Sell Societe Generale Group, Banking Investments Company 14. Aug 18 14. Aug 18 -27,915 £3.52 £-98,205
15. Aug 18 Buy Societe Generale Group, Banking Investments Company 14. Aug 18 14. Aug 18 112,767 £3.51 £395,587
15. Aug 18 Buy Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 14. Aug 18 14. Aug 18 3,895,745 £3.50 £13,643,721
14. Aug 18 Sell Societe Generale Group, Banking Investments Company 13. Aug 18 13. Aug 18 -18,519 £3.49 £-64,705
14. Aug 18 Buy Societe Generale Group, Banking Investments Company 13. Aug 18 13. Aug 18 25,795 £3.50 £90,283
14. Aug 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 13. Aug 18 13. Aug 18 -15,212 £3.51 £-53,333
14. Aug 18 Buy State Street Global Advisors, Inc. Company 13. Aug 18 13. Aug 18 2,581 £3.49 £8,995
13. Aug 18 Sell Legal & General Investment Management Limited Company 10. Aug 18 10. Aug 18 -40,854 £3.55 £-144,966
13. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 10. Aug 18 10. Aug 18 169,213 £3.53 £597,660
13. Aug 18 Buy Societe Generale Group, Banking Investments Company 10. Aug 18 10. Aug 18 16,476 £3.55 £58,457
10. Aug 18 Sell BlackRock, Inc. Company 09. Aug 18 09. Aug 18 -11,162 £3.58 £-39,982
10. Aug 18 Sell Legal & General Investment Management Limited Company 09. Aug 18 09. Aug 18 -2,612 £3.58 £-9,356
10. Aug 18 Buy Legal & General Investment Management Limited Company 09. Aug 18 09. Aug 18 10,024,926 £3.61 £36,224,069
10. Aug 18 Sell Societe Generale Group, Banking Investments Company 09. Aug 18 09. Aug 18 -70,220 £3.66 £-256,865
10. Aug 18 Buy Societe Generale Group, Banking Investments Company 09. Aug 18 09. Aug 18 41,520 £3.59 £148,974
10. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 09. Aug 18 09. Aug 18 426,000 £3.64 £1,550,640
09. Aug 18 Sell Societe Generale Group, Banking Investments Company 08. Aug 18 08. Aug 18 -61,938 £3.65 £-225,950
09. Aug 18 Buy Societe Generale Group, Banking Investments Company 08. Aug 18 08. Aug 18 43,493 £3.64 £158,402
09. Aug 18 Buy Standard Life Aberdeen plc Company 08. Aug 18 08. Aug 18 1,077 £3.61 £3,884
09. Aug 18 Buy Legal & General Investment Management Limited Company 08. Aug 18 08. Aug 18 100,785 £3.63 £363,878
09. Aug 18 Sell BlackRock, Inc. Company 08. Aug 18 08. Aug 18 -173,624 £3.61 £-626,453
09. Aug 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 08. Aug 18 08. Aug 18 -15,636 £3.65 £-57,071
09. Aug 18 Sell Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 08. Aug 18 08. Aug 18 -1,279 £3.53 £-4,514
08. Aug 18 Buy BlackRock, Inc. Company 07. Aug 18 07. Aug 18 21,190 £3.55 £75,210
08. Aug 18 Sell Legal & General Investment Management Limited Company 07. Aug 18 07. Aug 18 -80,594 £3.52 £-283,610
08. Aug 18 Buy Legal & General Investment Management Limited Company 07. Aug 18 07. Aug 18 3,575 £3.55 £12,706
08. Aug 18 Sell Societe Generale Group, Banking Investments Company 07. Aug 18 07. Aug 18 -53,878 £3.55 £-191,461
08. Aug 18 Buy Societe Generale Group, Banking Investments Company 07. Aug 18 07. Aug 18 62,319 £3.55 £221,482
07. Aug 18 Buy BlackRock, Inc. Company 06. Aug 18 06. Aug 18 2,295 £3.48 £7,996
07. Aug 18 Sell State Street Global Advisors, Inc. Company 06. Aug 18 06. Aug 18 -1,137,032 £3.49 £-3,969,947
07. Aug 18 Buy Societe Generale Group, Banking Investments Company 06. Aug 18 06. Aug 18 27,322 £3.50 £95,572
07. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 06. Aug 18 06. Aug 18 688,092 £3.50 £2,408,322
06. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 03. Aug 18 03. Aug 18 150,000 £3.46 £519,000
06. Aug 18 Sell Societe Generale Group, Banking Investments Company 03. Aug 18 03. Aug 18 -32,303 £3.47 £-111,962
06. Aug 18 Buy Societe Generale Group, Banking Investments Company 03. Aug 18 03. Aug 18 161,348 £3.47 £559,878
03. Aug 18 Buy BlackRock, Inc. Company 02. Aug 18 02. Aug 18 28,718 £3.50 £100,447
03. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 02. Aug 18 02. Aug 18 380,000 £3.55 £1,349,000
03. Aug 18 Sell Societe Generale Group, Banking Investments Company 02. Aug 18 02. Aug 18 -179,128 £3.55 £-635,904
03. Aug 18 Buy Societe Generale Group, Banking Investments Company 02. Aug 18 02. Aug 18 7,345 £3.55 £26,075
02. Aug 18 Buy BlackRock, Inc. Company 01. Aug 18 01. Aug 18 23,179 £3.53 £81,498
02. Aug 18 Buy Legal & General Investment Management Limited Company 01. Aug 18 01. Aug 18 14,804 £3.51 £52,026
02. Aug 18 Sell Standard Life Aberdeen plc Company 01. Aug 18 01. Aug 18 -11,170 £3.50 £-39,061
02. Aug 18 Buy Standard Life Aberdeen plc Company 01. Aug 18 01. Aug 18 314,776 £3.52 £1,107,067
02. Aug 18 Sell Societe Generale Group, Banking Investments Company 01. Aug 18 01. Aug 18 -163,756 £3.54 £-580,351
02. Aug 18 Buy Societe Generale Group, Banking Investments Company 01. Aug 18 01. Aug 18 21,429 £3.53 £75,559
02. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 01. Aug 18 01. Aug 18 110,400 £3.53 £389,712
01. Aug 18 Buy Standard Life Aberdeen plc Company 30. Jul 18 30. Jul 18 183,449 £3.37 £618,107
01. Aug 18 Buy Standard Life Aberdeen plc Company 31. Jul 18 31. Jul 18 432,285 £3.44 £1,488,789
01. Aug 18 Buy BlackRock, Inc. Company 31. Jul 18 31. Jul 18 157,078 £3.46 £543,427
01. Aug 18 Sell Legal & General Investment Management Limited Company 31. Jul 18 31. Jul 18 -59,771 £3.46 £-204,824
01. Aug 18 Buy State Street Global Advisors, Inc. Company 31. Jul 18 31. Jul 18 20,727 £3.46 £71,633
01. Aug 18 Sell Societe Generale Group, Banking Investments Company 31. Jul 18 31. Jul 18 -142,226 £3.47 £-494,093
01. Aug 18 Buy Societe Generale Group, Banking Investments Company 31. Jul 18 31. Jul 18 52,019 £3.46 £180,090
01. Aug 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 31. Jul 18 31. Jul 18 166,000 £3.46 £574,692
31. Jul 18 Buy BlackRock, Inc. Company 30. Jul 18 30. Jul 18 62,655 £3.37 £211,180
31. Jul 18 Sell Lazard Asset Management LLC Company 30. Jul 18 30. Jul 18 -449,702 £3.38 £-1,518,776
31. Jul 18 Sell Societe Generale Group, Banking Investments Company 30. Jul 18 30. Jul 18 -87,257 £3.37 £-294,056
31. Jul 18 Buy Societe Generale Group, Banking Investments Company 30. Jul 18 30. Jul 18 103,501 £3.37 £349,005
30. Jul 18 Buy BlackRock, Inc. Company 27. Jul 18 27. Jul 18 36,323 £3.38 £122,696
30. Jul 18 Sell Societe Generale Group, Banking Investments Company 27. Jul 18 27. Jul 18 -36,396 £3.38 £-122,946
30. Jul 18 Buy Societe Generale Group, Banking Investments Company 27. Jul 18 27. Jul 18 122,900 £3.37 £414,665
27. Jul 18 Sell BlackRock, Inc. Company 26. Jul 18 26. Jul 18 -27,472 £3.34 £-91,866
27. Jul 18 Buy BlackRock, Inc. Company 26. Jul 18 26. Jul 18 86,206 £3.34 £287,631
27. Jul 18 Sell Standard Life Aberdeen plc Company 26. Jul 18 26. Jul 18 -4,052 £3.33 £-13,501
27. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 26. Jul 18 26. Jul 18 50,000 £3.35 £167,600
27. Jul 18 Sell Societe Generale Group, Banking Investments Company 26. Jul 18 26. Jul 18 -11,282 £3.34 £-37,727
27. Jul 18 Buy Societe Generale Group, Banking Investments Company 26. Jul 18 26. Jul 18 29,279 £3.37 £98,670
27. Jul 18 Sell Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 26. Jul 18 26. Jul 18 -161,901 £3.37 £-546,004
26. Jul 18 Sell Standard Life Aberdeen plc Company 25. Jul 18 25. Jul 18 -76,552 £3.36 £-257,521
26. Jul 18 Sell Societe Generale Group, Banking Investments Company 25. Jul 18 25. Jul 18 -26,965 £3.37 £-90,818
26. Jul 18 Buy Societe Generale Group, Banking Investments Company 25. Jul 18 25. Jul 18 21,107 £3.37 £71,131
26. Jul 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 25. Jul 18 25. Jul 18 -70,000 £3.40 £-238,000
26. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 25. Jul 18 25. Jul 18 150,000 £3.40 £0
25. Jul 18 Buy BlackRock, Inc. Company 24. Jul 18 24. Jul 18 18,313 £3.41 £62,460
25. Jul 18 Sell Societe Generale Group, Banking Investments Company 24. Jul 18 24. Jul 18 -24,398 £3.40 £-83,051
25. Jul 18 Buy Societe Generale Group, Banking Investments Company 24. Jul 18 24. Jul 18 34,821 £3.42 £119,018
25. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 24. Jul 18 24. Jul 18 70,000 £3.42 £239,400
24. Jul 18 Sell State Street Global Advisors, Inc. Company 23. Jul 18 23. Jul 18 -2,218 £3.36 £-7,443
24. Jul 18 Sell Societe Generale Group, Banking Investments Company 23. Jul 18 23. Jul 18 -22,967 £3.36 £-77,261
24. Jul 18 Buy Societe Generale Group, Banking Investments Company 23. Jul 18 23. Jul 18 77,586 £3.36 £260,689
24. Jul 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 23. Jul 18 23. Jul 18 -206,696 £3.35 £-692,432
24. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 23. Jul 18 23. Jul 18 280,642 £3.36 £942,957
23. Jul 18 Buy BlackRock, Inc. Company 20. Jul 18 20. Jul 18 86,396 £3.33 £288,087
23. Jul 18 Sell Standard Life Aberdeen plc Company 20. Jul 18 20. Jul 18 -8,265 £3.31 £-27,332
23. Jul 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 20. Jul 18 20. Jul 18 -84,875 £3.33 £-282,634
23. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 20. Jul 18 20. Jul 18 63,625 £3.31 £210,599
23. Jul 18 Sell Societe Generale Group, Banking Investments Company 20. Jul 18 20. Jul 18 -29,326 £3.34 £-97,890
23. Jul 18 Buy Societe Generale Group, Banking Investments Company 20. Jul 18 20. Jul 18 29,670 £3.33 £98,920
20. Jul 18 Sell Societe Generale Group, Banking Investments Company 19. Jul 18 19. Jul 18 -52,694 £3.31 £-174,312
20. Jul 18 Buy Societe Generale Group, Banking Investments Company 19. Jul 18 19. Jul 18 28,037 £3.31 £92,746
20. Jul 18 Buy BlackRock, Inc. Company 19. Jul 18 19. Jul 18 83,650 £3.29 £274,916
20. Jul 18 Sell Legal & General Investment Management Limited Company 19. Jul 18 19. Jul 18 -1,722 £3.31 £-5,693
20. Jul 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 19. Jul 18 19. Jul 18 -54,111 £3.29 £-178,025
19. Jul 18 Buy BlackRock, Inc. Company 18. Jul 18 18. Jul 18 90,859 £3.28 £298,133
19. Jul 18 Sell Legal & General Investment Management Limited Company 18. Jul 18 18. Jul 18 -2,618 £3.29 £-8,613
19. Jul 18 Buy State Street Global Advisors, Inc. Company 18. Jul 18 18. Jul 18 1,151 £3.29 £3,787
19. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 18. Jul 18 18. Jul 18 200,000 £3.29 £658,000
19. Jul 18 Sell Societe Generale Group, Banking Investments Company 18. Jul 18 18. Jul 18 -17,947 £3.29 £-59,046
19. Jul 18 Buy Societe Generale Group, Banking Investments Company 18. Jul 18 18. Jul 18 21,745 £3.29 £71,454
18. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 17. Jul 18 17. Jul 18 180,000 £3.31 £595,800
18. Jul 18 Sell BlackRock, Inc. Company 17. Jul 18 17. Jul 18 -30,349 £3.29 £-99,839
18. Jul 18 Buy Standard Life Aberdeen plc Company 17. Jul 18 17. Jul 18 1,436,884 £3.30 £4,738,843
18. Jul 18 Sell Legal & General Investment Management Limited Company 17. Jul 18 17. Jul 18 -338,957 £3.30 £-1,116,113
18. Jul 18 Sell Societe Generale Group, Banking Investments Company 17. Jul 18 17. Jul 18 -53,192 £3.31 £-175,959
18. Jul 18 Buy Societe Generale Group, Banking Investments Company 17. Jul 18 17. Jul 18 81,064 £3.30 £267,349
17. Jul 18 Sell Legal & General Investment Management Limited Company 16. Jul 18 16. Jul 18 -71,724 £3.32 £-238,066
17. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 16. Jul 18 16. Jul 18 100,000 £3.32 £332,000
17. Jul 18 Sell Societe Generale Group, Banking Investments Company 16. Jul 18 16. Jul 18 -60,638 £3.34 £-202,531
17. Jul 18 Buy Societe Generale Group, Banking Investments Company 16. Jul 18 16. Jul 18 6,154 £3.32 £20,407
16. Jul 18 Sell BlackRock, Inc. Company 13. Jul 18 13. Jul 18 -14,058 £3.29 £-46,251
16. Jul 18 Buy BlackRock, Inc. Company 13. Jul 18 13. Jul 18 208 £3.33 £693
16. Jul 18 Sell Legal & General Investment Management Limited Company 13. Jul 18 13. Jul 18 -216,925 £3.30 £-716,850
16. Jul 18 Sell Societe Generale Group, Banking Investments Company 13. Jul 18 13. Jul 18 -11,669 £3.30 £-38,461
16. Jul 18 Buy Societe Generale Group, Banking Investments Company 13. Jul 18 13. Jul 18 32,440 £3.31 £107,441
16. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 13. Jul 18 13. Jul 18 150,253 £3.33 £500,793
13. Jul 18 Sell BlackRock, Inc. Company 12. Jul 18 12. Jul 18 -2,343 £3.34 £-7,830
13. Jul 18 Sell Legal & General Investment Management Limited Company 12. Jul 18 12. Jul 18 -163,223 £3.31 £-539,942
13. Jul 18 Buy Legal & General Investment Management Limited Company 12. Jul 18 12. Jul 18 3,708 £3.32 £12,295
13. Jul 18 Buy State Street Global Advisors, Inc. Company 12. Jul 18 12. Jul 18 1,241 £3.34 £4,147
13. Jul 18 Sell Societe Generale Group, Banking Investments Company 12. Jul 18 12. Jul 18 -61,311 £3.34 £-205,024
13. Jul 18 Buy Societe Generale Group, Banking Investments Company 12. Jul 18 12. Jul 18 76,186 £3.35 £254,918
13. Jul 18 Sell Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 12. Jul 18 12. Jul 18 -63,191 £3.36 £-212,049
12. Jul 18 Sell Societe Generale Group, Banking Investments Company 11. Jul 18 11. Jul 18 -507,483 £3.31 £-1,679,769
12. Jul 18 Buy Societe Generale Group, Banking Investments Company 11. Jul 18 11. Jul 18 295,288 £3.32 £979,766
12. Jul 18 Sell BlackRock, Inc. Company 11. Jul 18 11. Jul 18 -8,591 £3.29 £-28,282
12. Jul 18 Sell Legal & General Investment Management Limited Company 11. Jul 18 11. Jul 18 -312,341 £3.30 £-1,031,288
12. Jul 18 Sell State Street Global Advisors, Inc. Company 11. Jul 18 11. Jul 18 -119,815 £3.29 £-394,431
12. Jul 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 11. Jul 18 11. Jul 18 -109,125 £3.31 £-361,204
12. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 11. Jul 18 11. Jul 18 30,000 £3.30 £98,880
11. Jul 18 Sell Societe Generale Group, Banking Investments Company 10. Jul 18 10. Jul 18 -70,207 £3.44 £-241,652
11. Jul 18 Buy Societe Generale Group, Banking Investments Company 10. Jul 18 10. Jul 18 13,861 £3.44 £47,710
11. Jul 18 Buy BlackRock, Inc. Company 10. Jul 18 10. Jul 18 49,821 £3.39 £168,694
11. Jul 18 Buy Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 10. Jul 18 10. Jul 18 1,083 £3.42 £3,703
11. Jul 18 Sell State Street Global Advisors, Inc. Company 10. Jul 18 10. Jul 18 -1,149 £3.39 £-3,891
11. Jul 18 Sell Standard Life Aberdeen plc Company 10. Jul 18 10. Jul 18 -2,689 £3.39 £-9,105
11. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 10. Jul 18 10. Jul 18 10,080,725 £3.39 £34,133,338
10. Jul 18 Buy Societe Generale Group, Banking Investments Company 09. Jul 18 09. Jul 18 29,155 £3.44 £100,177
10. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 09. Jul 18 09. Jul 18 110,000 £3.44 £378,400
10. Jul 18 Buy Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 09. Jul 18 09. Jul 18 1,083 £3.44 £3,728
09. Jul 18 Sell Societe Generale Group, Banking Investments Company 06. Jul 18 06. Jul 18 -122,183 £3.44 £-420,554
09. Jul 18 Buy Societe Generale Group, Banking Investments Company 06. Jul 18 06. Jul 18 131,465 £3.46 £455,395
06. Jul 18 Sell Societe Generale Group, Banking Investments Company 05. Jul 18 05. Jul 18 -16,619 £3.38 £-56,176
06. Jul 18 Buy Societe Generale Group, Banking Investments Company 05. Jul 18 05. Jul 18 46,080 £3.39 £156,396
05. Jul 18 Sell Societe Generale Group, Banking Investments Company 04. Jul 18 04. Jul 18 -33,479 £3.36 £-112,356
05. Jul 18 Buy Societe Generale Group, Banking Investments Company 04. Jul 18 04. Jul 18 56,611 £3.35 £189,873
04. Jul 18 Sell Societe Generale Group, Banking Investments Company 03. Jul 18 03. Jul 18 -120,618 £3.32 £-400,211
04. Jul 18 Buy Societe Generale Group, Banking Investments Company 03. Jul 18 03. Jul 18 12,400 £3.29 £40,846
03. Jul 18 Sell Societe Generale Group, Banking Investments Company 02. Jul 18 02. Jul 18 -190,573 £3.29 £-626,604
03. Jul 18 Buy Societe Generale Group, Banking Investments Company 02. Jul 18 02. Jul 18 35,260 £3.29 £115,864
02. Jul 18 Sell Societe Generale Group, Banking Investments Company 29. Jun 18 29. Jun 18 -150,072 £3.20 £-479,765
02. Jul 18 Buy Societe Generale Group, Banking Investments Company 29. Jun 18 29. Jun 18 94,927 £3.20 £303,577
29. Jun 18 Sell Societe Generale Group, Banking Investments Company 28. Jun 18 28. Jun 18 -17,237 £3.16 £-54,434
29. Jun 18 Buy Societe Generale Group, Banking Investments Company 28. Jun 18 28. Jun 18 270,096 £3.16 £0
28. Jun 18 Sell Societe Generale Group, Banking Investments Company 27. Jun 18 27. Jun 18 -102,739 £3.15 £-323,628
28. Jun 18 Buy Societe Generale Group, Banking Investments Company 27. Jun 18 27. Jun 18 493,212 £3.17 £1,561,263
27. Jun 18 Sell Societe Generale Group, Banking Investments Company 26. Jun 18 26. Jun 18 -27,658 £3.19 £-88,340
27. Jun 18 Buy Societe Generale Group, Banking Investments Company 26. Jun 18 26. Jun 18 122,588 £3.19 £391,546
09. Jul 18 Sell BlackRock, Inc. Company 06. Jul 18 06. Jul 18 -1,931 £3.44 £-6,633
09. Jul 18 Buy BlackRock, Inc. Company 06. Jul 18 06. Jul 18 54,252 £3.44 £186,735
06. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 05. Jul 18 05. Jul 18 32,026 £3.36 £107,607
05. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 04. Jul 18 04. Jul 18 395,389 £3.35 £1,324,553
04. Jul 18 Sell BlackRock, Inc. Company 03. Jul 18 03. Jul 18 -21,549 £3.30 £-71,056
04. Jul 18 Buy Standard Life Aberdeen plc Company 03. Jul 18 03. Jul 18 278,768 £3.30 £919,656
04. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 03. Jul 18 03. Jul 18 480,236 £3.33 £1,599,186
03. Jul 18 Buy BlackRock, Inc. Company 02. Jul 18 02. Jul 18 4,608 £3.27 £15,077
03. Jul 18 Sell Standard Life Aberdeen plc Company 02. Jul 18 02. Jul 18 -26,112 £3.22 £-83,950
03. Jul 18 Buy Standard Life Aberdeen plc Company 02. Jul 18 02. Jul 18 376,780 £3.27 £1,232,824
28. Jun 18 Buy Standard Life Aberdeen plc Company 27. Jun 18 27. Jun 18 28,010 £3.15 £88,231
20. Jun 18 Sell Standard Life Aberdeen plc Company 19. Jun 18 19. Jun 18 -12,815 £3.03 £-38,855
20. Jun 18 Buy Standard Life Aberdeen plc Company 19. Jun 18 19. Jun 18 167,090 £3.04 £508,622
18. Jun 18 Buy Standard Life Aberdeen plc Company 15. Jun 18 15. Jun 18 30,934 £3.06 £94,720
12. Jun 18 Buy Standard Life Aberdeen plc Company 11. Jun 18 11. Jun 18 1,045,256 £2.99 £3,122,180
11. Jun 18 Sell Standard Life Aberdeen plc Company 08. Jun 18 08. Jun 18 -163 £2.98 £-486
29. May 18 Sell Standard Life Aberdeen plc Company 25. May 18 25. May 18 -2,400 £2.94 £-7,066
22. May 18 Buy Standard Life Aberdeen plc Company 21. May 18 21. May 18 502,781 £2.96 £1,489,237
16. May 18 Buy Standard Life Aberdeen plc Company 15. May 18 15. May 18 352,662 £3.08 £1,084,788
15. May 18 Buy Standard Life Aberdeen plc Company 14. May 18 14. May 18 496,156 £3.21 £1,590,180
11. May 18 Sell Standard Life Aberdeen plc Company 10. May 18 10. May 18 -4,204 £3.12 £-13,116
03. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 02. Jul 18 02. Jul 18 398,864 £3.29 £1,312,262
02. Jul 18 Sell Legal & General Investment Management Limited Company 29. Jun 18 29. Jun 18 -73,051 £3.17 £-231,272
02. Jul 18 Buy Legal & General Investment Management Limited Company 29. Jun 18 29. Jun 18 31,430 £3.18 £99,822
02. Jul 18 Sell BlackRock, Inc. Company 29. Jun 18 29. Jun 18 -43,110 £3.18 £-136,827
02. Jul 18 Buy BlackRock, Inc. Company 29. Jun 18 29. Jun 18 59,840 £3.18 £190,052
02. Jul 18 Sell State Street Global Advisors, Inc. Company 29. Jun 18 29. Jun 18 -52,051 £3.18 £-165,314
02. Jul 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 29. Jun 18 29. Jun 18 -6,754 £3.19 £-21,545
02. Jul 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 29. Jun 18 29. Jun 18 62,893 £3.19 £200,629
29. Jun 18 Sell BlackRock, Inc. Company 28. Jun 18 28. Jun 18 -23,490 £3.16 £-74,181
29. Jun 18 Buy BlackRock, Inc. Company 28. Jun 18 28. Jun 18 96,012 £3.16 £302,828
29. Jun 18 Buy State Street Global Advisors, Inc. Company 28. Jun 18 28. Jun 18 37,685 £3.16 £119,009
29. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 28. Jun 18 28. Jun 18 84,875 £3.15 £267,356
28. Jun 18 Sell BlackRock, Inc. Company 27. Jun 18 27. Jun 18 -13,888 £3.15 £-43,747
28. Jun 18 Buy BlackRock, Inc. Company 27. Jun 18 27. Jun 18 30,851 £3.15 £97,181
28. Jun 18 Buy Legal & General Investment Management Limited Company 27. Jun 18 27. Jun 18 5,884 £3.15 £18,525
28. Jun 18 Sell M&G Investment Management Limited Company 27. Jun 18 27. Jun 18 -5,468 £3.15 £-17,224
28. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 27. Jun 18 27. Jun 18 50,000 £3.15 £157,500
27. Jun 18 Sell BlackRock, Inc. Company 26. Jun 18 26. Jun 18 -8,598 £3.17 £-27,291
27. Jun 18 Sell Legal & General Investment Management Limited Company 26. Jun 18 26. Jun 18 -10,761 £3.16 £-34,005
27. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 26. Jun 18 26. Jun 18 100,000 £3.16 £316,000
26. Jun 18 Sell BlackRock, Inc. Company 25. Jun 18 25. Jun 18 -2,911 £3.19 £-9,280
26. Jun 18 Buy State Street Global Advisors, Inc. Company 25. Jun 18 25. Jun 18 1,238 £3.19 £3,947
25. Jun 18 Buy Legal & General Investment Management Limited Company 22. Jun 18 22. Jun 18 493 £3.22 £1,589
25. Jun 18 Sell BlackRock, Inc. Company 22. Jun 18 22. Jun 18 -7,840 £3.21 £-25,166
22. Jun 18 Sell BlackRock, Inc. Company 21. Jun 18 21. Jun 18 -5,051 £3.18 £-15,990
22. Jun 18 Buy Legal & General Investment Management Limited Company 21. Jun 18 21. Jun 18 10,812 £3.17 £34,310
22. Jun 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 21. Jun 18 21. Jun 18 -539,576 £3.14 £-1,694,269
22. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 21. Jun 18 21. Jun 18 582,096 £3.15 £0
21. Jun 18 Sell BlackRock, Inc. Company 20. Jun 18 20. Jun 18 -11,454 £3.07 £-35,118
21. Jun 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 20. Jun 18 20. Jun 18 -20,978 £3.08 £0
21. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 20. Jun 18 20. Jun 18 10,489 £3.07 £32,201
20. Jun 18 Sell BlackRock, Inc. Company 19. Jun 18 19. Jun 18 -6,752 £3.06 £-20,648
20. Jun 18 Sell State Street Global Advisors, Inc. Company 19. Jun 18 19. Jun 18 -38,230 £3.05 £-116,422
20. Jun 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 19. Jun 18 19. Jun 18 -60,950 £3.04 £0
20. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 19. Jun 18 19. Jun 18 30,475 £3.01 £91,730
19. Jun 18 Buy Legal & General Investment Management Limited Company 18. Jun 18 18. Jun 18 6,463 £3.02 £19,496
19. Jun 18 Buy State Street Global Advisors, Inc. Company 18. Jun 18 18. Jun 18 1,236 £3.04 £3,757
19. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 18. Jun 18 18. Jun 18 40,000 £3.03 £121,200
18. Jun 18 Sell Legal & General Investment Management Limited Company 15. Jun 18 15. Jun 18 -3,390 £3.06 £-10,380
18. Jun 18 Buy Legal & General Investment Management Limited Company 15. Jun 18 15. Jun 18 6,785 £3.06 £20,776
18. Jun 18 Buy BlackRock, Inc. Company 15. Jun 18 15. Jun 18 56,616 £3.06 £173,358
15. Jun 18 Buy Legal & General Investment Management Limited Company 14. Jun 18 14. Jun 18 32,878 £3.07 £101,067
15. Jun 18 Buy BlackRock, Inc. Company 14. Jun 18 14. Jun 18 11,668 £3.07 £35,867
15. Jun 18 Buy State Street Global Advisors, Inc. Company 14. Jun 18 14. Jun 18 64,898 £3.07 £199,496
15. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 14. Jun 18 14. Jun 18 50,000 £3.05 £152,500
15. Jun 18 Sell Dnr Capital Pty Ltd Company 14. Jun 18 14. Jun 18 -3,264 £5.42 £-17,694
15. Jun 18 Buy Dnr Capital Pty Ltd Company 14. Jun 18 14. Jun 18 114,415 £5.42 £620,072
14. Jun 18 Sell BlackRock, Inc. Company 13. Jun 18 13. Jun 18 -162,790 £3.04 £-494,865
14. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 13. Jun 18 13. Jun 18 85,000 £3.04 £258,400
13. Jun 18 Sell State Street Global Advisors, Inc. Company 12. Jun 18 12. Jun 18 -76,135 £3.01 £-229,166
13. Jun 18 Buy State Street Global Advisors, Inc. Company 12. Jun 18 12. Jun 18 3,423 £3.01 £10,303
13. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 12. Jun 18 12. Jun 18 100,000 £3.01 £301,000
12. Jun 18 Buy Legal & General Investment Management Limited Company 11. Jun 18 11. Jun 18 7,707 £2.99 £23,009
12. Jun 18 Sell State Street Global Advisors, Inc. Company 11. Jun 18 11. Jun 18 -7,192 £2.99 £-21,518
12. Jun 18 Sell M&G Investment Management Limited Company 11. Jun 18 11. Jun 18 -9,825 £2.99 £-29,396
12. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 11. Jun 18 11. Jun 18 80,000 £2.99 £239,200
11. Jun 18 Sell J.P. Morgan Asset Management, Inc. Company 08. Jun 18 08. Jun 18 -251,158 £3.00 £-753,474
11. Jun 18 Buy State Street Global Advisors, Inc. Company 08. Jun 18 08. Jun 18 6,581 £2.98 £19,611
11. Jun 18 Buy Legal & General Investment Management Limited Company 08. Jun 18 08. Jun 18 20,050 £3.00 £60,110
11. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 08. Jun 18 08. Jun 18 25,000 £2.98 £74,500
08. Jun 18 Sell BlackRock, Inc. Company 07. Jun 18 07. Jun 18 -37,849 £3.03 £-114,535
08. Jun 18 Buy Legal & General Investment Management Limited Company 07. Jun 18 07. Jun 18 7,000 £3.03 £21,202
08. Jun 18 Buy State Street Global Advisors, Inc. Company 07. Jun 18 07. Jun 18 76,474 £3.03 £231,716
08. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 07. Jun 18 07. Jun 18 150,000 £3.04 £456,000
07. Jun 18 Buy State Street Global Advisors, Inc. Company 06. Jun 18 06. Jun 18 1,140 £3.02 £3,438
07. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 06. Jun 18 06. Jun 18 140,000 £3.02 £422,800
06. Jun 18 Buy BlackRock, Inc. Company 05. Jun 18 05. Jun 18 30,845 £2.99 £92,227
06. Jun 18 Buy Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 05. Jun 18 05. Jun 18 740,705 £3.00 £2,225,655
05. Jun 18 Sell BlackRock, Inc. Company 04. Jun 18 04. Jun 18 -901 £2.98 £-2,687
05. Jun 18 Buy BlackRock, Inc. Company 04. Jun 18 04. Jun 18 27,739 £2.98 £82,718
05. Jun 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 04. Jun 18 04. Jun 18 40,000 £2.98 £119,200
04. Jun 18 Buy State Street Global Advisors, Inc. Company 01. Jun 18 01. Jun 18 15,115 £2.92 £44,131
01. Jun 18 Sell Legal & General Investment Management Limited Company 31. May 18 31. May 18 -34,718 £2.92 £-99,981
01. Jun 18 Sell BlackRock, Inc. Company 31. May 18 31. May 18 -14,898 £2.87 £-42,757
01. Jun 18 Buy BlackRock, Inc. Company 31. May 18 31. May 18 36,476 £2.87 £104,686
01. Jun 18 Sell State Street Global Advisors, Inc. Company 31. May 18 31. May 18 -109,729 £2.87 £-314,922
01. Jun 18 Buy State Street Global Advisors, Inc. Company 31. May 18 31. May 18 1,066 £2.87 £3,059
31. May 18 Sell The Bank of Nova Scotia, Banking Investments Company 30. May 18 30. May 18 -200 £2.94 £-588
31. May 18 Sell BlackRock, Inc. Company 30. May 18 30. May 18 -6,464 £2.94 £-18,991
30. May 18 Sell BlackRock, Inc. Company 29. May 18 29. May 18 -3,176 £2.95 £-9,363
30. May 18 Buy BlackRock, Inc. Company 29. May 18 29. May 18 139,595 £2.95 £411,526
29. May 18 Sell Legal & General Investment Management Limited Company 25. May 18 25. May 18 -24,396 £2.95 £-71,912
29. May 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 25. May 18 25. May 18 75,000 £2.96 £222,000
29. May 18 Buy Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 28. May 18 28. May 18 23,955 £2.94 £70,319
25. May 18 Sell BlackRock, Inc. Company 24. May 18 24. May 18 -19,360 £2.91 £-56,415
25. May 18 Buy BlackRock, Inc. Company 24. May 18 24. May 18 20,346 £2.91 £59,288
25. May 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 24. May 18 24. May 18 50,000 £2.95 £147,500
24. May 18 Sell BlackRock, Inc. Company 23. May 18 23. May 18 -91,927 £2.92 £-268,611
24. May 18 Buy BlackRock, Inc. Company 23. May 18 23. May 18 46,230 £2.94 £135,651
24. May 18 Buy Legal & General Investment Management Limited Company 23. May 18 23. May 18 3,331 £2.93 £9,775
24. May 18 Buy State Street Global Advisors, Inc. Company 23. May 18 23. May 18 1,137 £2.92 £3,322
24. May 18 Sell The Bank of Nova Scotia, Banking Investments Company 23. May 18 23. May 18 -21,300 £2.93 £-62,409
24. May 18 Sell M&G Investment Management Limited Company 23. May 18 23. May 18 -10,616 £2.92 £-31,020
24. May 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 22. May 18 22. May 18 40,000 £3.02 £120,800
24. May 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 23. May 18 23. May 18 112,691 £2.93 £330,185
23. May 18 Sell BlackRock, Inc. Company 22. May 18 22. May 18 -36,782 £3.00 £-110,420
23. May 18 Buy BlackRock, Inc. Company 22. May 18 22. May 18 2,048 £3.00 £6,153
23. May 18 Sell Legal & General Investment Management Limited Company 22. May 18 22. May 18 -4,129 £3.00 £-12,395
23. May 18 Buy Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 22. May 18 22. May 18 347,560 £3.00 £1,042,409
22. May 18 Buy Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 21. May 18 21. May 18 1,742 £2.94 £5,130
21. May 18 Sell BlackRock, Inc. Company 18. May 18 18. May 18 -8,030 £2.95 £-23,705
21. May 18 Buy BlackRock, Inc. Company 18. May 18 18. May 18 29,777 £2.95 £87,902
21. May 18 Buy State Street Global Advisors, Inc. Company 18. May 18 18. May 18 1,137 £2.95 £3,356
18. May 18 Sell BlackRock, Inc. Company 17. May 18 17. May 18 -10,941 £3.02 £-33,042
18. May 18 Buy Legal & General Investment Management Limited Company 17. May 18 17. May 18 3,822 £3.02 £11,542
18. May 18 Buy State Street Global Advisors, Inc. Company 17. May 18 17. May 18 3,411 £3.02 £10,301
17. May 18 Buy State Street Global Advisors, Inc. Company 16. May 18 16. May 18 4,548 £3.01 £13,689
16. May 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 15. May 18 15. May 18 -75,000 £3.08 £-231,000
15. May 18 Buy Sumitomo Mitsui Trust Asset Management Co., Ltd. Company 11. May 18 11. May 18 15,235 £3.12 £47,533
14. May 18 Buy Macquarie Group, Ltd., Banking & Securities Investments Company 11. May 18 11. May 18 40,000 £3.17 £126,800
09. May 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 08. May 18 08. May 18 -60,000 £3.23 £-193,680
14. May 18 Buy BlackRock, Inc. Company 11. May 18 11. May 18 1,097 £3.18 £3,491
11. May 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 10. May 18 10. May 18 -94,454 £3.19 £-301,308
11. May 18 Sell BlackRock, Inc. Company 10. May 18 10. May 18 -13,426 £3.12 £-41,889
10. May 18 Sell Macquarie Group, Ltd., Banking & Securities Investments Company 09. May 18 09. May 18 -75,000 £3.21 £-240,750
10. May 18 Buy Legal & General Investment Management Limited Company 09. May 18 09. May 18 2,429 £3.19 £7,743
10. May 18 Sell BlackRock, Inc. Company 09. May 18 09. May 18 -4,842 £3.19 £-15,427
10. May 18 Buy BlackRock, Inc. Company 09. May 18 09. May 18 79,929 £3.19 £254,654
10. May 18 Sell The Bank of Nova Scotia, Banking Investments Company 09. May 18 09. May 18 -23,300 £3.20 £-74,560
09. May 18 Buy State Street Global Advisors, Inc. Company 08. May 18 08. May 18 1,406 £3.22 £4,522
09. May 18 Sell Legal & General Investment Management Limited Company 08. May 18 08. May 18 -58,437 £3.23 £-188,471
09. May 18 Sell The Bank of Nova Scotia, Banking Investments Company 08. May 18 08. May 18 -8,400 £3.21 £-26,964
X
Management checks
We assess CYBG's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. CYBG has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Financial Metrics For CYBG PLC (LON:CYBG)

Post-GFC recovery brought about a new set of reforms, Basel III, which was created to improve regulation, supervision and risk management in the financial services industry. … The Basel III reforms are aimed at banking regulations to improve financial institutions’ ability to absorb shocks caused by economic stress which could expose banks like CYBG to vulnerabilities. … Strong management of leverage and liquidity could place the bank in a protected position at the face of macro headwinds.

Simply Wall St -

Is CYBG PLC's (LON:CYBG) CEO Paid Enough Relative To Peers?

David Duffy took the reins as CEO of CYBG PLC's (LON:CYBG) and grew market cap to UK£2.98b recently. … Recognizing whether CEO incentives are aligned with shareholders is a crucial part of investing. … This is because, if incentives are aligned, more value is created for shareholders which directly impacts your returns as an investor.

Simply Wall St -

Why CYBG PLC (LON:CYBG) May Not Be As Risky Than You Think

Risk associated with repayment is measured by bad debt which is written off as an expense, impacting CYBG’s bottom line. … Today I will take you through some bad debt and liability measures to analyse the level of risky assets held by the bank. … LSE:CYBG Historical Debt July 9th 18

Simply Wall St -

Should You Buy CYBG PLC (LON:CYBG)?

saw significant share price volatility over the past couple of months on the LSE, rising to the highs of £3.23 and falling to the lows of £2.87. … A question to answer is whether CYBG's current trading price of £3.06 reflective of the actual value of the? … Let’s take a look at CYBG’s outlook and value based on the most recent financial data to see if there are any catalysts for a price change

Simply Wall St -

What Do CYBG PLC (LON:CYBG) Insiders Know That You Don't?

some insider buying over the past three months, with insiders investing in. … A well-known argument is that insiders investing more in their own companies’ shares sends an optimistic signal … The MIT Press (1998) published an article showing that stocks following insider buying outperformed the market by 4.5%

Simply Wall St -

Who Just Ramped Up Their Shares In CYBG PLC (LON:CYBG)?

Today we will evaluate whether these decisions are bolstered by analysts’ expectations of future growth as well as recent share price movements. … This may mean insiders' motivation to trade may not be driven by the share price but rather other factors such as their belief in company growth or their personal portfolio rebalancing. … Next Steps: CYBG’s net buying tells us the stock is in favour with some insiders, reinforced by the substantial earnings growth expectations, although the share price has not moved significantly to warrant reassessment of mispricing.

Simply Wall St -

Why CYBG PLC's (LON:CYBG) ROE Of 5.35% Does Not Tell The Whole Story

Check out our latest analysis for CYBG Peeling the layers of ROE – trisecting a company’s profitability Firstly, Return on Equity, or ROE, is simply the percentage of last years’ earning against the book value of shareholders’ equity. … Return on Equity = Net Profit ÷ Shareholders Equity ROE is assessed against cost of equity, which is measured using the Capital Asset Pricing Model (CAPM) – but let’s not dive into the details of that today. … This is called the Dupont Formula: Dupont Formula ROE = profit margin × asset turnover × financial leverage ROE = (annual net profit ÷ sales) × (sales ÷ assets) × (assets ÷ shareholders’ equity) ROE = annual net profit ÷ shareholders’ equity LSE:CYBG Last Perf May 10th 18 The first component is profit margin, which measures how much of sales is retained after the company pays for all its expenses.

Simply Wall St -

What Makes CYBG PLC (LON:CYBG) A Hard Investment?

Strong management of leverage and liquidity could place the bank in a protected position at the face of macro headwinds. … This means the bank exhibits very strong leverage management and is well-positioned to repay its debtors in the case of any adverse events since it has an appropriately high level of equity relative to the debt it has taken on to remain in business. … Relative to the prudent industry loan to deposit level of 90%, CYBG’s ratio of over 112.66% is higher, which positions the bank in a risky spot given the adverse liquidity disparity between loan and deposit levels.

Simply Wall St -

What Value Should You Place On CYBG PLC (LON:CYBG)?

Focusing on factors such as book values, along with the return and cost of equity, can be practical for gauging CYBG’s true value. … The returns in excess of cost of equity is called excess returns: Excess Return Per Share = (Stable Return On Equity – Cost Of Equity) (Book Value Of Equity Per Share) = (7.16% – 8.30%) * £3.71 = £-0.04 Excess Return Per Share is used to calculate the terminal value of CYBG, which is how much the business is expected to continue to generate over the upcoming years, in perpetuity. … This is a common component of discounted cash flow models: Terminal Value Per Share = Excess Return Per Share / (Cost of Equity – Expected Growth Rate) = £-0.04 / (8.30% – 1.49%) = £-0.62 Combining these components gives us CYBG's intrinsic value per share: Value Per Share = Book Value of Equity Per Share + Terminal Value Per Share = £3.71 + £-0.62 = £3.09 Relative to the present share price of £2.92, CYBG is , at this time, priced in-line with its intrinsic value.

Simply Wall St -

Is It Too Late To Buy CYBG PLC (LON:CYBG)?

It’s trading around 4.32% below my intrinsic value, which means if you buy CYBG today, you’d be paying a fair price for it. … Will you have enough confidence to invest in the company should the price drop below its fair value? … However, the positive outlook is encouraging for the company, which means it’s worth diving deeper into other factors such as the strength of its balance sheet, in order to take advantage of the next price drop.

Simply Wall St -

Company Info

Description

CYBG PLC, through its subsidiaries, provides retail and business banking products and services to individuals and businesses under the Clydesdale Bank, Yorkshire Bank, B, and Virgin Money brands in the United Kingdom. It operates through SME Banking and Retail Banking segments. The SME Banking segment offers a range of banking products and services, including business current accounts; and secured and unsecured term loans, business overdrafts, and invoice and asset financing products and services. It also provides international trade services, such as import loans, export loans, documentary collections, currency guarantees, and letters of credit for securing trade; and current account facilities comprising debit cards, cheque books, regular statements, direct debits, and standing orders, as well as day to day and online banking services. This segment serves business customers in the small business, commercial, corporate, and structured finance markets. The Retail Banking segment offers personal current accounts, savings accounts, and term deposits; occupied mortgage loans and BTL loans, unsecured personal loans, and overdrafts, as well as credit card products; and insurance and investment products. The company was founded in 1838 and is based in Leeds, the United Kingdom.

Details
Name: CYBG PLC
CYBG
Exchange: LSE
Founded: 1838
£3,117,778,625
1,433,461,437
Website: http://www.cybg.com
Address: CYBG PLC
20 Merrion Way,
Leeds,
West Yorkshire, LS2 8NZ,
United Kingdom
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
LSE CYBG Ordinary Shares London Stock Exchange GB GBP 03. Feb 2016
OTCPK CBBY.F Ordinary Shares Pink Sheets LLC US USD 03. Feb 2016
DB 42YA Ordinary Shares Deutsche Boerse AG DE EUR 03. Feb 2016
BATS-CHIXE CYBGL Ordinary Shares BATS 'Chi-X Europe' GB GBP 03. Feb 2016
ASX CYB ORD GBP0.10 (CDI) 1:1 Australian Securities Exchange AU AUD 04. Feb 2016
OTCPK CYBB.F ORD GBP0.10 (CDI) 1:1 Pink Sheets LLC US USD 04. Feb 2016
DB 42Y ORD GBP0.10 (CDI) 1:1 Deutsche Boerse AG DE EUR 04. Feb 2016
Number of employees
Current staff
Staff numbers
5,762
CYBG employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/22 22:25
End of day share price update: 2019/04/18 00:00
Last estimates confirmation: 2019/04/18
Last earnings filing: 2018/11/27
Last earnings reported: 2018/09/30
Last annual earnings reported: 2018/09/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.