I held LLOY - for the dividend and the prudent bank that was going to ride the storm - when the HBOS announcement suddenly trashed it. That event turned me from a LTBH investor to a trader, as I bought and sold profitably three times between then and summer 2009.
But I'm not touching them now. The special circumstances are gone, there's no longer an advantage to small investors over the big players, nor a compelling case on fundamentals. Ditto RBS.
Maybe if they were to divert those bonuses into compensating the shareholders who got so comprehensively shafted by dumb, lemming-like lending, and perhaps stop hiding property losses .... dream on.