Halifax Bank of Scotland Group
Following the merger of Halifax and Bank of Scotland on 10th September 2001, The Halifax Bank of Scotland Group (HBOS) has 22 million customers and a relationship with two out of every five households in the UK.

With assets of over £380 billion, it is the UK's largest mortgage and savings provider as well as being a major player in the provision of new current accounts and credit cards in the UK. And with around 3 million private shareholders, HBOS has the largest private shareholder register in the UK.

HBOS has become a powerful force in a financial service industry that is characterised by competition and change. The company believes its success is based on being innovative, exploiting its efficiency and creativity and it aims to continue to be inventive and vigorous by creating new markets and extending commercial partnerships.