758:"Businessmen Bancroft and Mills arranged sex parties, exotic foreign holidays, cash in brown envelopes and other favours for Scourfield between 2003 and 2007. In exchange for the bribes, Scourfield would require the bank's small business customers to use Quayside Corporate Services, the firm of consultants run by Mills and his wife Alison. Quayside purported to be turnaround consultants, offering business experience and expertise to help small business customers improve their fortunes, but far from helping turn businesses around, Mills and his associates were milking them for huge fees and using their relationship with the bank to bully business owners and strip them of their assets. In cash fees alone, according to prosecutors in the trial, £28 million went through the accounts of Mills, his wife and their associated companies. Mills and his associates used the bank's customers and the bank's money dishonestly to enrich themselves."
821:
Masterton. She had worked for the bank from 1998, first under HBOS and then Lloyds. The report makes several serious allegations about HBOS and Lloyds management, the most important of which are that the
Reading Fraud was deliberately concealed, and that the FSA was intentionally misled. Moreover, the report is highly critical of the auditors, KPMG. In section eight the report states, “KPMG have not only just been negligent but their direct involvement in a number of material malpractices and violations regarding HBOS is fundamental and exposes them to claims in relation to misconduct, serious dereliction of duty and breach of regulatory and statutory duties.” In 2013 Sally Masterton, a forensic accountant, provided information that was crucial to the police investigation into the Reading Fraud. Subsequently, Ms Masterton left the bank and brought a case for unfair constructive dismissal, which was settled in 2015.
791:, a celebrity victim of the scam, reached a settlement with the bank in July 2019. Edmonds had argued that staff at the Reading branch had ruined his business, the Unique Group. Edmonds' campaign against Lloyds included attending the Lloyds 2018 AGM where he berated the board of directors from the floor. In July 2022, insider.co.uk reported that Thames Valley Police has referred Noel Edmonds' case against Lloyds Banking Group to the CPS, following a criminal investigation into a former HBOS banker that led to the liquidation of the TV presenter's Unique Group of businesses.
805:(LBG) commissioned Professor Russell Griggs to oversee a compensation scheme for the victims of HBOS Reading. The scheme concluded all of the victims businesses would have failed despite the Reading fraud and therefore only awarded compensation for D&I (Distress and inconvenience) and nothing for D&C (Direct and consequential loss). In October 2018 SME Alliance (a not for profit organisation that supports and lobbies for victims of Bank misconduct) concluded the Griggs review was not fit for purpose and issued a complaint under the
670:
754:
including bribery, fraud and money laundering. The court also convicted David Mills, Michael
Bancroft, Alison Mills, and John Cartwright for their parts in the conspiracy. On 2 February 2017, David Mills was jailed for 15 years, Scourfield for 11 years and three months, and Bancroft for 10 years. Dobson was sentenced to four and a half years, and Alison Mills and Cartwright were given three-and-a-half-year sentences for money laundering. Following the convictions, the BBC reported:
1113:
3124:
202:
190:
47:
750:. The scandal centred around Scourfield's use of his position to refer companies to Quayside Corporate Services, owned and operated by David Mills, for "turnaround" services which Quayside was unqualified to provide. Several members of Quayside's staff had criminal records for embezzlement. Customers were allegedly inappropriately pressured to take on excessive debt burdens and to make acquisitions benefiting Quayside.
210:
3138:
1127:
222:
704:
Scotland Group, Britain's biggest mortgage lender. James Crosby, head of HBOS at the time, refused to be interviewed in relation to the exposed mortgage fraud. Further examples of mortgage fraud have come to light, which has seen mortgage brokers take advantage of fast track processing systems, as seen at HBOS, by entering false details, often without the applicant's knowledge.
552:, claimed that the British public would benefit from the rescue plan, because the government would have some control over RBS in exchange for about £20 billion of funding. Total State ownership in RBS would be 60%, and 40% for HBOS. Royal Bank of Scotland said it intended to raise £20 billion ($ 34 billion) capital with the government's aid; its chief executive
843:, a retired High Court Judge, in December 2019. Sir Ross accused LBG of “an unacceptable denial of responsibility” over its treatment of the HBOS Reading victims. This resulted in questions from the FCA including: “We will also require LBG senior management to explain how and why the failings identified by Sir Ross occurred in the first place.”
523:
questions about the near-collapse of the bank. Hornby said: "I'm very sorry what happened at HBOS. It has affected shareholders, many of whom are colleagues, it's affected the communities in which we live and serve, it's clearly affected taxpayers, and we are extremely sorry for the turn of events that has brought it about."
703:
throughout HBOS. The Money
Programme found that during the investigation, brokers advised the undercover researchers to lie on applications for self-certified mortgages from, among others, the Bank of Scotland, the Mortgage Business and Birmingham Midshires. All three were part of the Halifax Bank of
736:
In
September 2012, Peter Cummings, the head of HBOS corporate banking from 2006 to 2008, was fined £500,000 by the UK financial regulator over his role in the bank's collapse. The Financial Services Authority (FSA) also banned Cummings from working in the banking industry. The losses in his division
620:
fined the Bank of
Scotland £45.5 million over its failure to report suspicions of fraud at its Reading branch which led to the jailing of six people. The authority said that the bank "risked substantial prejudice to the interests of justice" by withholding information. The fine was reduced by
442:
to create a "superbank" with 38 million customers. That was later confirmed by HBOS. The BBC suggested that shareholders would be offered up to £3.00 per share, causing the share price to rise, but later retracted that comment. Later that day, the price was set at 0.83 Lloyds shares for each HBOS
774:
still has not acknowledged the full scale of the fraud - or offered to compensate its victims"; the broadcaster noted that the fraud was first discovered in 2007 by the bank's customers Nikki and Paul Turner, who used publicly available records to uncover it, but that after the
Turners submitted
820:
Laidlaw QC concluded the Griggs Review was “procedurally defective” and it referenced “LBG’s failure to adjust the scope of the Review following the public release of the
Project Lord Turnbull Report is another important defect.” The Project Lord Turnbull Report was written by accountant Sally
766:
was PCC. When the trial ended, Mr
Stansfeld made the following three observations. Firstly, the investigation took six years at a cost of £7m. Secondly, that a fraud of that size could not have taken place without either complicity or incompetence, or a lack of oversight. Lastly, that if Thames
753:
On 30 January 2017, following a four-month trial, former HBOS employees
Scourfield and Mark Dobson were convicted of corruption and fraud involving a scheme that cost the bank £245 million; Scourfield pleaded guilty to six counts including corruption, and Dobson was found guilty of counts
522:
Lloyds
Banking Group said Edinburgh-based HBOS, which it had absorbed in January, made a pre-tax loss of £10.8 billion in 2008. Andy Hornby, the former chief executive of HBOS, and Lord Stevenson of Coddenham, its former chairman, appeared before the Commons Treasury Committee to answer
556:
resigned. The government acquired $ 8.6 billion of preference shares and underwrote $ 25.7 billion of ordinary shares. Thus, it intended to raise £15 billion (€18.9 billion, $ 25.8 billion) from investors, to be underwritten by the government. The State would pay
850:, the CEO of LBG, met with many of the Reading victims promising he would now oversee the compensation process personally. Many victims have complained there has been no contact with Mr. Horta-Osorio, who is now allegedly leaving the Bank for a post at Credit Suisse, since May 2020.
371:, a private Act of Parliament that rationalised the bank's corporate structure. The act allowed HBOS to make the Governor and Company of the Bank of Scotland a public limited company, Bank of Scotland plc, which became the principal banking subsidiary of HBOS. Halifax plc and
745:
On 3 October 2010, Lynden Scourfield, former director of mid-market high-risk at Bank of Scotland Corporate, his wife Jacquie Scourfield, ex-director of Remnant Media Tony Cartwright, and ex-NatWest banker David Mills, were arrested on suspicion of fraud by the
728:
revealed losses of £10 billion at HBOS, £1.6 billion higher than Lloyds had anticipated in November because of deterioration in the housing market and weakening company profits. The share price of Lloyds Banking Group plunged 32% on the
589:(FSA), the then-regulator. A parallel investigation into the FSA's enforcement process concluded it was too late to fine responsible executives, but up to 10 former HBOS executives could be banned from the financial services industry.
868:
to the FCA about the conduct of LBG in relation to their treatment of HBOS Reading victims including the Bank's refusal to support victims or to compensate them for the additional three-year delay caused by the failed Griggs Review.
535:'s announcement that government must be a "rock of stability" resulted to an "unprecedented but essential" government action: the Treasury would infuse £37 billion ($ 64 billion, €47 billion) of new capital into
503:
A group of Scottish businessmen challenged the right of the UK government to approve the deal by over-ruling UK competition law, but this was rejected. The takeover was approved by HBOS shareholders on 12 December.
602:
The firm's executive management pursued rapid and uncontrolled growth of the Group's balance sheet. That led to an over-exposure to highly cyclical commercial real estate (CRE) at the peak of the economic
543:
and HBOS Plc, to avert financial sector collapse or UK "banking meltdown". He stressed that it was not "standard public ownership", as the banks would return to private investors "at the right time". The
511:
personally brokered the deal with Lloyds TSB. An official said: "It is not the role of a Prime Minister to tell a City institution what to do". The Lloyds TSB board stated that merchant banks
599:
There was a flawed and unbalanced strategy and a business model with inherent vulnerabilities arising from an excessive focus on market share, asset growth and short-term profitability.
300:
Although officially HBOS was not an acronym of any specific words, it is widely presumed to stand for Halifax Bank of Scotland. The corporate headquarters of the group were located on
857:, to finally compensate the victims of HBOS Reading. The process continues and the Panel have confirmed it could take up to a further two years (2023) to compensate all the victims.
613:
After putting the investigation on hold in 2013, in April 2017, the Financial Conduct Authority resumed its probe of "the way HBOS handled fraud allegations at its Reading branch".
1621:
2156:
3809:
3578:
2632:
1270:
609:
The underlying weaknesses of HBOS's balance sheet made the Group extremely vulnerable to market shocks and eventual failure as the crisis in the financial system intensified.
3444:
1213:
1075:
3395:
1038:
2492:
1534:
1913:
606:
The board and control functions failed to challenge effectively the pursuit of that course by the executive management, or to ensure adequate mitigating actions.
447:
per share, which was less than the 275p price at which HBOS had raised funds earlier in 2008. The price was later altered to 0.605 Lloyds shares per HBOS share.
3555:
596:
The board failed to instil a culture within the firm that balanced risk and return appropriately, and it lacked sufficient experience and knowledge of banking.
775:
their evidence to the bank it dismissed their claims and tried to repossess their home. Following the convictions, the background to the case was reported on
2387:
279:. The formation of HBOS was heralded as creating a fifth force in British banking as it created a company of comparable size and stature to the established
2014:
1872:
423:, HBOS's share price suffered wild fluctuations between 88p and 220p per share, despite the FSA's assurances as to its liquidity and exposure to the wider
2650:
1398:
1987:
1790:
1324:
3819:
1071:
HBOS Insurance & Investment Group Limited manages the group's insurance and investment brands in the UK and Europe. It consisted of the following:
872:
Three of the six criminals convicted for the HBOS Reading crimes have now been released from jail with a fourth due to be released by the end of 2021.
3434:
2593:
649:, released a report documenting the extent to which HBOS and other UK commercial banks invested in, provided banking services for, and made loans to
1239:
578:
1372:
2214:
3794:
3525:
3390:
2755:
330:
1726:
375:
transferred its undertakings to Bank of Scotland plc.The Halifax brand name was retained, Halifax then began to operate under the latter's UK
1888:
1752:
3449:
3304:
2413:
2065:
276:
2515:
1843:
329:
stated that the new group would continue to use The Mound as the headquarters for its Scottish operations and would continue the issue of
3495:
3256:
2963:
1629:
2503:
1535:"Anticipated acquisition by Lloyds TSB plc of HBOS plc - Report to the Secretary of State for Business Enterprise and Regulatory Reform"
3540:
3464:
1477:
3720:
3550:
3178:
2493:
https://lloyds-insurance.co.uk/globalassets/documents/media/press-releases/lloyds-banking-group/2020/re-review-panel-announcement.pdf
1447:
2341:
3380:
3233:
1582:
1277:
1217:
653:. The charity wrote that HBOS held shares in the UK arms sector totalling £483.4 million, and served as principal banker for
3474:
3271:
2475:
1598:
2614:
1034:
HBOS Australia was formed in 2004 to consolidate the group's holdings in Australia. It consisted of the following subsidiaries:
3261:
268:
brands in the UK, as well as HBOS Australia and HBOS Insurance & Investment Group Limited, the group's insurance division.
3804:
3789:
3730:
3459:
3429:
3350:
3142:
472:"I am very angry that we can have a situation where a bank can be forced into a merger by basically a bunch of short-selling
1962:
3784:
3490:
3345:
3211:
2723:
798:
is chairing an independent inquiry into the investigation and reporting of the fraud. This inquiry started in April 2017.
2267:
1673:
3799:
3635:
3520:
3088:
2748:
847:
368:
286:
3530:
3515:
3439:
2968:
2829:
2694:
2680:
2567:
3758:
3385:
3216:
3058:
2918:
832:
on Fair Business Banking tabled a debate in Parliament on HBOS Reading and the Economic Secretary to the Treasury,
234:
2706:
3713:
3206:
416:
had any links with the rumours. It concluded that there was no deliberate attempt to drive the share price down.
1869:
767:
Valley Police had not taken on the case no one else would have, and the crime would not have been investigated.
401:, warned senior directors at HBOS about excessive risk-taking. He was dismissed, and his concerns not acted on.
3753:
3630:
3365:
3360:
3038:
1508:
1402:
1053:
999:
747:
489:
were announced. The deal was concluded on 19 January 2009. The three main conditions for the acquisition were:
3814:
3535:
3469:
3370:
3171:
3128:
2948:
2834:
2741:
2313:
1346:
861:
829:
304:
in Edinburgh, Scotland, the former head office of the Bank of Scotland. Its operational headquarters were in
1541:
444:
3454:
3266:
2983:
1701:
785:
programme on 31 January 2017. Lloyds is taking a £100 million hit paying compensation to the victims.
586:
536:
409:
394:
2913:
2719:
2281:
1243:
1098:
810:
617:
582:
545:
135:
3779:
3240:
2928:
2839:
1012:
565:
reported that Britain could inject £40 billion ($ 69 billion) into the three banks including
465:
214:
2448:
1376:
1022:
Bank of Scotland, Amsterdam branch - trading as Lloyds Bank since 2013 (savings) and 2014 (mortgages).
3650:
3560:
3228:
3201:
2998:
2923:
2785:
2523:
2504:
https://www.appgbanking.org.uk/wp-content/uploads/2021/01/APPG-letter-to-FCA-re-Lloyds-Complaint-.pdf
1558:
1165:
1049:
1003:
398:
2295:
899:
Bank of Scotland plc was the banking division of the HBOS group, and operated the following brands:
836:, confirmed LBG would now fund an ‘Assurance’ review about the Griggs review, requested by the FCA.
585:
blamed the failure requiring the bailout on the bank's executives, as well as being critical of the
3645:
3400:
3276:
3164:
2368:
1730:
973:
362:
238:
17:
1816:
1485:
762:
The police investigation, named Operation Hornet, was carried out by Thames Valley Police, whilst
3355:
3223:
2943:
630:
305:
103:
1455:
451:
3375:
2973:
986:
865:
833:
806:
454:, the UK government announced that should the takeover go ahead, it would be allowed to bypass
3725:
3672:
3625:
2855:
2813:
947:
813:
about the management of LBG in relation to the Griggs Review. SME Alliance also commissioned
730:
654:
126:
57:
1191:
3748:
2993:
2800:
2764:
1424:
1016:
922:
802:
771:
725:
326:
320:
294:
253:
180:
168:
1651:
8:
3708:
3640:
3109:
3083:
3063:
3053:
2655:
2637:
2219:
2019:
1140:
961:
956:
695:
435:
1579:
3690:
3666:
3324:
3297:
3028:
2978:
2388:"HBOS Reading: Independent Review - Tuesday 18 December 2018 - Hansard - UK Parliament"
1094:
293:
to the Bank of Scotland, which had by then become a registered public limited company,
146:
561:
Bank raised £6.5 billion from private sector investors, with no government help.
3735:
3048:
2690:
2676:
2423:
1791:"Up to 10 former HBOS executives could be banned over collapse, damning report finds"
763:
669:
404:
In March 2008, HBOS shares fell 17 percent amid false rumours that it had asked the
3043:
3033:
2938:
2790:
1132:
1087:
932:
908:
825:
814:
549:
372:
358:
346:
290:
281:
261:
3684:
3187:
3104:
2890:
2715:
2133:
1876:
1821:
1586:
1302:
455:
420:
413:
405:
376:
257:
3599:
3545:
3329:
2933:
2795:
2545:
2245:
2193:
2128:
2101:
1939:
1678:
990:
927:
776:
700:
674:
516:
342:
309:
272:
265:
249:
163:
111:
96:
2042:
3773:
3314:
3309:
3292:
3018:
2863:
2427:
2175:
854:
840:
713:
650:
512:
424:
2179:
2619:
2215:"Lloyds to pay £100m to victims of HBOS Reading fraud as FCA reopens probe"
2184:
2070:
1727:"Afp.google.com, Britain to invest up to 37 billion pounds in ailing banks"
1118:
1052:
and St Andrew's Australia Pty Ltd subsidiaries for approximately A$ 2bn to
853:
In April 2020 the Foskett Panel was formed under retired High Court Judge,
788:
781:
553:
532:
508:
493:
Three quarters of HBOS shareholders voted in favour of the board's actions;
461:
1963:"Ex-HBOS Rainmaker Peter Cummings Hit with £500,000 FSA Fine and Life Ban"
716:
brand and absorbed the operations into Bank of Scotland Business Banking.
3678:
3319:
2988:
2953:
2780:
2571:
795:
682:
646:
226:
130:
1620:
Kennedy, Siobhan; Webster, Philip; Seib, Christine (17 September 2008).
2958:
2733:
2296:"Lloyds says ex-judge Linda Dobbs to review its handling of fraud case"
938:
AA Savings (the same brand also used Bank of Ireland for some accounts)
678:
540:
486:
439:
316:
175:
76:
201:
189:
2808:
2418:
485:
On 18 September 2008, the terms of the recommended offer for HBOS by
301:
194:
88:
2687:
The Strength to Change: Transforming a Business for the 21st Century
2268:"Noel Edmonds told 'this isn't a show' as he gatecrashes Lloyds AGM"
2066:"Cash, cruises and sex parties: inside ex-HBOS manager's £245m scam"
737:
exceeded the initial taxpayer bailout for the bank in October 2008.
3594:
3023:
2178:; Producer: David Lewis; Editor: Gail Champion (31 January 2017).
2106:
658:
566:
558:
349:
in 2001, Halifax having demutualised and floated four years prior.
285:
UK retail banks. It was also the UK's largest mortgage lender. The
92:
3156:
801:
The HBOS Reading trial finished on 2 February 2017. In April 2017
46:
2633:"Lloyds disposals begin with £235m sale of Insight to BNY Mellon"
2043:"The BoS Reading scandal that just will not go away – Ian Fraser"
1674:"U.K. Stocks Rebound After Government Bank Bailout; Lloyds Gains"
1060:
880:
HBOS conducted all its operations through three main businesses:
562:
382:
The provisions in the Act were implemented on 17 September 2007.
107:
2414:"Lloyds forced to reopen HBOS Reading fraud compensation scheme"
2167:
2157:"Operation Hornet: Statement from Police and Crime Commissioner"
864:
on Fair Business Banking submitted a formal complaint under the
209:
3579:
List of banks acquired or bankrupted during the Great Recession
2516:"Australia's CBA to buy HBOS's BankWest for $ 1.5 billion"
1844:"Bank of Scotland fined £45.5m by regulator over Reading fraud"
2728:
2369:"Lloyds:how HBOS whistleblower exposed failings in regulation"
2342:"Draft report reveals allegations of serious bank malpractice"
2246:"Noel Edmonds reaches compensation deal with Lloyds over scam"
2006:
1702:"Alistair Darling: UK taxpayer will benefit from banks rescue"
1066:
1753:"British banks set for 40 billion pound rescue: sources"
1271:"Recommended acquisition of HBOS plc by Lloyds TSB Group plc"
989:– rebranded as Lloyds Bank International in 2010 and sold to
686:
496:
Half of Lloyds TSB shareholder voted to approve the takeover;
230:
3414:
2615:"Lloyds sells Insight Investment to Bank of New York Mellon"
740:
221:
2868:
2095:
2093:
2091:
2089:
1002:– transferred to Lloyds TSB Offshore in 2012, which became
964:(50%) – holding sold to J Sainsbury plc on 31 January 2014.
621:
almost £20 million because the bank agreed to settle.
499:
UK government dispensation with respect to competition law.
473:
2102:"Former HBOS manager found guilty of corruption and fraud"
2015:"Former HBOS managers charged in £35m fraud investigation"
3445:
Dodd–Frank Wall Street Reform and Consumer Protection Act
2336:
2334:
2189:
1988:"Former HBOS banker bailed over alleged money-laundering"
431:
31:
2673:
Bank of Scotland, 1695–1995: A Very Singular Institution
2282:"Police refer Noel Edmonds case against HBOS to the CPS"
2121:
2086:
2057:
1347:"Authorities avert run on HBOS caused by false rumours"
419:
On 17 September 2008, very shortly after the demise of
388:
385:
The share price peaked at over 1150p in February 2007.
183:, HBOS Australia, HBOS Insurance & Investment Group
3810:
Companies formerly listed on the London Stock Exchange
3556:
National fiscal policy response to the Great Recession
2331:
1652:"UK – UK Politics – Brown: We'll be rock of stability"
1908:
1906:
1784:
1782:
1780:
1778:
1776:
1774:
1509:"Lloyds TSB takeover talks with HBOS: the key issues"
352:
256:, having been taken over in January 2009. It was the
2546:"Lloyds agrees to sell Australian assets to Westpac"
1108:
645:
In December 2008, the British anti-poverty charity,
1914:"Lloyds shares tumble as HBOS slumps to £10bn loss"
1613:
519:were among the advisers recommending the takeover.
323:after both sets of shareholders approved the deal.
3675:(Europe, Middle East and North Africa, Asia; 2009)
2659:, London, 12 August 2009. Retrieved 25 April 2012.
2641:, London, 12 August 2009. Retrieved 25 April 2012.
2623:, London, 12 August 2009. Retrieved 25 April 2012.
2367:
1903:
1771:
1619:
1192:"HBOS is the largest mortgage lender in the Isles"
2651:"Lloyds sells Insight to Bank of New York Mellon"
1889:"Press Office – Money Programme Mortgage Madness"
1817:"UK watchdog restarts probe into HBOS fraud case"
1699:
1448:"HBOS confirms in takeover talks with Lloyds TSB"
1059:The group's businesses in Australia were sold to
846:Between December 2019 and February / March 2020,
468:, previously an economist, said of the takeover:
3771:
3483:
1599:"Lloyds TSB Your shareholder questions answered"
1500:
2712:(now redirects to Lloyds Banking Group website)
1954:
1940:"HBOS banker Peter Cummings fined by regulator"
1470:
1439:
1338:
1276:. Lloyds TSB. 17 September 2008. Archived from
1019:since 2006 and closed down on 31 December 2010.
3526:American Recovery and Reinvestment Act of 2009
3391:Office of Federal Housing Enterprise Oversight
2100:Verity, Andy; Lewis, David (30 January 2017).
1547:on 2 April 2014 – via National Archives.
1265:
1263:
1261:
592:Causes of failure were identified as follows:
315:On 19 January 2009, the group was acquired by
3172:
2887:Lloyds Bank Insurance Services (intermediary)
2749:
2161:Thames Valley Police & Crime Commissioner
1622:"Gordon Brown steps in to secure HBOS rescue"
890:HBOS Insurance & Investment Group Limited
681:branches outside Crossgates Shopping Centre,
3450:Emergency Economic Stabilization Act of 2008
2570:. Lloyds Banking Group. 2014. Archived from
2522:. Reuters UK. 8 October 2008. Archived from
2476:"Lloyds apologises for unfair fraud redress"
1240:"Lloyds TSB confirms deal to take over HBOS"
480:
27:United Kingdom banking and insurance company
2964:Lloyds and National Provincial Foreign Bank
2884:Lloyds Bank General Insurance (underwriter)
2099:
1788:
1258:
1067:HBOS Insurance and Investment Group Limited
1048:On 8 October 2008, HBOS Australia sold its
476:and speculators in the financial markets."
3587:
3541:Fraud Enforcement and Recovery Act of 2009
3465:Term Asset-Backed Securities Loan Facility
3179:
3165:
2756:
2742:
2689:, Sponsored Publishing (29 October 1998),
2596:(Press release). Phorm Inc. 2 October 2009
2594:"Notification of major interest in shares"
2240:
2238:
1373:"FSA concludes HBOS rumours investigation"
1232:
1184:
1093:It also used to own UK investment manager
817:to give an ‘Advice’ on the Griggs Review.
770:The BBC added: "A decade on, HBOS's owner
640:
264:, which operated the Bank of Scotland and
248:is a banking and insurance company in the
3820:2001 establishments in the United Kingdom
3721:Effects of the Great Recession on museums
3551:Housing and Economic Recovery Act of 2008
3435:China–Japan–South Korea trilateral summit
2675:, Mainstream Publishing (20 April 1995),
2129:"Ex-HBOS banker 'sold his soul for swag'"
1325:"Share Price Chart – HBOS PLC (LSE:HBOS)"
970:Blair, Oliver & Scott (Debt recovery)
941:Halifax Financial Services (Holdings) Ltd
741:Reading branch fraud and Operation Hornet
412:conducted an investigation as to whether
367:In 2006, HBOS secured the passing of the
3415:Government policy and spending responses
3381:Government National Mortgage Association
2763:
2508:
2473:
1808:
1163:
668:
220:
208:
200:
188:
3475:2008 United Kingdom bank rescue package
2235:
2063:
1960:
1814:
1506:
1445:
1344:
894:
14:
3772:
2012:
1425:"HBOS in merger talks with Lloyds TSB"
1081:Halifax General Insurance Services Ltd
733:, carrying other bank shares with it.
271:HBOS was formed by the 2001 merger of
3795:British companies established in 2000
3460:Temporary Liquidity Guarantee Program
3430:Banking (Special Provisions) Act 2008
3413:
3351:Federal Deposit Insurance Corporation
3160:
2737:
2474:Mortimer, Rachel (10 December 2019).
2449:"FCA response to the Cranston Review"
1961:Kossoff, Julian (12 September 2012).
1700:Hélène Mulholland (13 October 2008).
1157:
1095:Insight Investment Management Limited
312:, the former head office of Halifax.
205:HBOS Office at Trinity Road, Halifax.
3346:Consumer Financial Protection Bureau
3137:
1303:"HBOS Group Reorganisation Act 2006"
1214:"Bank of Scotland, Halifax tie knot"
1009:Bank of Scotland Investment Services
944:Halifax Investment Fund Managers Ltd
389:2008 short selling and credit crunch
289:saw the transfer of Halifax plc and
3636:Collateralized mortgage obligations
3186:
1559:"Salmond attacks financial 'spivs'"
1507:Pratley, Nils (17 September 2008).
1484:. 18 September 2008. Archived from
1446:Hoskins, Paul (17 September 2008).
1242:. 18 September 2008. Archived from
434:reported that HBOS was in advanced
252:, a wholly owned subsidiary of the
24:
3089:HBOS Group Reorganisation Act 2006
2716:Documents and clippings about HBOS
2411:
2064:Goodley, Simon (30 January 2017).
916:Bank of Scotland Treasury Services
369:HBOS Group Reorganisation Act 2006
353:HBOS Group Reorganisation Act 2006
287:HBOS Group Reorganisation Act 2006
25:
3831:
3731:2007–2008 world food price crisis
3531:Chinese economic stimulus program
3516:2008 European Union stimulus plan
3440:Commercial Paper Funding Facility
2969:Lloyds Associated Banking Company
2830:Agricultural Mortgage Corporation
2700:
1540:. 24 October 2008. Archived from
1029:
953:Halifax Unit Trust Management Ltd
919:Bank of Scotland Business Banking
902:
719:
664:
577:In 2015, an investigation by the
193:Group headquarters on The Mound,
3759:List of countries by public debt
3386:National Asset Management Agency
3136:
3123:
3122:
2919:Bank of London and South America
2013:Wilson, Harry (8 January 2013).
1789:Tim Wallace (19 November 2015).
1125:
1111:
980:
935:(Formally North west securities)
913:Bank of Scotland Private Banking
707:
635:
572:
235:Leeds Permanent Building Society
45:
3714:2008 Central Asia energy crisis
3631:Collateralized debt obligations
2665:
2644:
2626:
2608:
2586:
2560:
2538:
2497:
2486:
2467:
2441:
2405:
2380:
2360:
2306:
2288:
2274:
2260:
2207:
2149:
2035:
1980:
1932:
1881:
1862:
1836:
1745:
1719:
1693:
1666:
1644:
1591:
1573:
1551:
1527:
1417:
1391:
1345:Treanor, Jill (20 March 2008).
1044:BOS International Australia Ltd
1025:Bank of Scotland, Berlin branch
579:Prudential Regulation Authority
557:£5 billion for RBS, while
341:HBOS was formed by a merger of
3521:2008–2009 Keynesian resurgence
3366:Federal Housing Finance Agency
3361:Federal Housing Administration
3039:Bank of Scotland International
2314:"Jonathan Laidlaw QC's Advice"
1815:Dunkley, Emma (7 April 2017).
1365:
1317:
1295:
1216:. All Business. Archived from
1206:
1054:Commonwealth Bank of Australia
1000:Bank of Scotland International
748:Serious Organised Crime Agency
624:
13:
1:
3536:Economic Stimulus Act of 2008
3470:Troubled Asset Relief Program
3396:Office of Financial Stability
3371:Federal Housing Finance Board
3305:Société Générale trading loss
2835:Lloyds Bank Corporate Markets
1561:. BBC News. 17 September 2008
1427:. BBC News. 17 September 2008
1164:Bachelor, Lisa (4 May 2001).
1146:
875:
430:However, later that day, the
3805:Banks disestablished in 2008
3790:Companies based in Edinburgh
3455:Irish emergency budget, 2009
2984:National Bank of New Zealand
1967:International Business Times
1478:"Lloyds seals deal for HBOS"
587:Financial Services Authority
537:Royal Bank of Scotland Group
452:Northern Rock-style collapse
410:Financial Services Authority
7:
3785:Banks of the United Kingdom
2929:Cheltenham & Gloucester
2914:Bank of London and Montreal
2720:20th Century Press Archives
2548:. BBC News. 11 October 2013
1166:"HBOS: the issue explained"
1104:
1099:The Bank of New York Mellon
967:The Mortgage Business (TMB)
618:Financial Conduct Authority
583:Financial Conduct Authority
546:Chancellor of the Exchequer
408:for emergency funding. The
319:and became a subsidiary of
237:before its takeover by the
136:Lord Stevenson of Coddenham
10:
3836:
3754:2007–2008 financial crisis
3646:Mortgage-backed securities
3257:Automotive industry crisis
2949:Hart, Fellow's and Company
2840:Lloyds Development Capital
1920:. London. 13 February 2009
1759:. Reuters. 12 October 2008
1580:Lloyds: What happens next?
1101:acquired Insight in 2009.
1013:Bank of Scotland (Ireland)
996:Bank of Scotland Corporate
712:In 2002, HBOS dropped the
628:
526:
356:
336:
29:
3800:Banks established in 2000
3744:
3701:
3659:
3651:Secondary mortgage market
3616:
3572:rescues, and acquisitions
3570:Government interventions,
3569:
3561:Zero interest-rate policy
3508:
3420:
3409:
3338:
3285:
3272:Housing market correction
3249:
3194:
3118:
3097:
3076:
3007:
2924:Capital and Counties Bank
2906:
2899:
2877:
2848:
2822:
2809:Schroders Personal Wealth
2786:Lloyds Bank International
2773:
1050:Bank of Western Australia
1039:Capital Finance Australia
1004:Lloyds Bank International
481:Acquisition by Lloyds TSB
174:
162:
152:
142:
133:(former Chief Executives)
120:
82:
71:
63:
53:
44:
3669:(United States; c. 2009)
3401:UK Financial Investments
3286:Banking losses and fraud
3277:Subprime mortgage crisis
3262:California budget crisis
1628:. London. Archived from
1151:
1076:St James's Place Capital
839:This led to a report by
443:share, equivalent to 232
363:Halifax Building Society
239:Halifax Building Society
233:, formerly those of the
30:Not to be confused with
3687:(worldwide; 2011–2012)
3626:Auction rate securities
3356:Federal Home Loan Banks
2944:Fox, Fowler and Company
1585:26 October 2008 at the
641:Links to the arms trade
631:HBOS Marketing Campaign
310:West Yorkshire, England
3376:Federal Reserve System
3250:United States-specific
3034:Banco Halifax Hispania
2974:Lloyds Bank California
2568:"Lloyds International"
2137:. BBC. 2 February 2017
1401:. 2008. Archived from
1375:. 2008. Archived from
987:Banco Halifax Hispania
860:In December 2020, the
760:
690:
478:
242:
218:
206:
198:
3726:Decline of newspapers
3673:2009 May Day protests
3619:and financial markets
3509:Stimulus and recovery
2814:Halifax Share Dealing
2805:St James's Place Bank
2392:hansard.parliament.uk
2180:"The Turnaround Game"
1875:17 April 2009 at the
1870:Banking on Bloodshed
948:Halifax Share Dealing
828:, Co-chairman of the
756:
731:London Stock Exchange
724:On 13 February 2009,
672:
655:Babcock International
616:On 21 June 2019, the
470:
399:Group Regulatory Risk
357:Further information:
224:
212:
204:
192:
58:Finance and Insurance
3815:Lloyds Banking Group
3749:European debt crisis
3641:Credit default swaps
3617:Securities involved
3423:stability and reform
2994:Trustee Savings Bank
2801:Birmingham Midshires
2766:Lloyds Banking Group
2707:Official website of
2574:on 21 September 2014
1632:on 23 September 2008
1283:on 23 September 2008
1246:on 25 September 2008
1220:on 30 September 2007
923:Birmingham Midshires
895:Bank of Scotland plc
884:Bank of Scotland plc
848:Antonio Horta-Osorio
803:Lloyds Banking Group
772:Lloyds Banking Group
726:Lloyds Banking Group
531:On 13 October 2008,
327:Lloyds Banking Group
321:Lloyds Banking Group
295:Bank of Scotland plc
262:Bank of Scotland plc
254:Lloyds Banking Group
181:Bank of Scotland plc
169:Lloyds Banking Group
3709:2000s energy crisis
3421:Banking and finance
3339:Government entities
3110:Museum on the Mound
3084:Lloyds TSB Act 1998
3054:Intelligent Finance
2860:Colleys (surveyors)
2656:The Daily Telegraph
2638:The Daily Telegraph
2248:. BBC. 27 July 2019
2020:The Daily Telegraph
1918:The Daily Telegraph
1141:Museum on the Mound
957:Intelligent Finance
826:Kevin Hollinrake MP
815:Jonathan Laidlaw QC
699:uncovered systemic
696:The Money Programme
331:Scottish bank notes
213:Halifax offices in
154:Number of employees
99:(Registered office)
41:
3691:Occupy Wall Street
3667:Tea Party protests
3325:Scott W. Rothstein
3029:British Linen Bank
2979:Lloyds Bank Canada
2526:on 1 February 2013
2455:. 10 December 2019
2163:. 30 January 2017.
1379:on 1 February 2011
691:
243:
219:
217:, Buckinghamshire.
207:
199:
147:Financial services
39:
3780:Banks of Scotland
3767:
3766:
3736:Retail apocalypse
3681:(MENA; 2010–2012)
3612:
3611:
3608:
3607:
3504:
3503:
3484:Bank stress tests
3154:
3153:
3072:
3071:
3049:Halifax (Ireland)
1733:on 1 October 2012
1084:St Andrew's Group
1063:in October 2013.
855:Sir David Foskett
841:Sir Ross Cranston
824:In December 2018
764:Anthony Stansfeld
450:To avoid another
187:
186:
16:(Redirected from
3827:
3660:Social responses
3585:
3584:
3481:
3480:
3411:
3410:
3181:
3174:
3167:
3158:
3157:
3145:
3140:
3139:
3131:
3126:
3125:
3064:Sainsbury's Bank
3044:Clerical Medical
3011:
2939:Cunliffe, Brooks
2904:
2903:
2791:Bank of Scotland
2767:
2758:
2751:
2744:
2735:
2734:
2660:
2648:
2642:
2630:
2624:
2612:
2606:
2605:
2603:
2601:
2590:
2584:
2583:
2581:
2579:
2564:
2558:
2557:
2555:
2553:
2542:
2536:
2535:
2533:
2531:
2512:
2506:
2501:
2495:
2490:
2484:
2483:
2471:
2465:
2464:
2462:
2460:
2445:
2439:
2438:
2436:
2434:
2409:
2403:
2402:
2400:
2398:
2384:
2378:
2377:
2376:. 12 March 2019.
2371:
2364:
2358:
2357:
2355:
2353:
2346:Kevin Hollinrake
2338:
2329:
2328:
2326:
2324:
2318:SME ALLIANCE LTD
2310:
2304:
2303:
2302:. 26 April 2017.
2292:
2286:
2285:
2278:
2272:
2271:
2264:
2258:
2257:
2255:
2253:
2242:
2233:
2232:
2230:
2228:
2211:
2205:
2204:
2202:
2200:
2171:
2165:
2164:
2153:
2147:
2146:
2144:
2142:
2125:
2119:
2118:
2116:
2114:
2097:
2084:
2083:
2081:
2079:
2061:
2055:
2054:
2052:
2050:
2045:. 2 October 2010
2039:
2033:
2032:
2030:
2028:
2010:
2004:
2003:
2001:
1999:
1984:
1978:
1977:
1975:
1973:
1958:
1952:
1951:
1949:
1947:
1936:
1930:
1929:
1927:
1925:
1910:
1901:
1900:
1898:
1896:
1885:
1879:
1866:
1860:
1859:
1857:
1855:
1840:
1834:
1833:
1831:
1829:
1812:
1806:
1805:
1803:
1801:
1786:
1769:
1768:
1766:
1764:
1749:
1743:
1742:
1740:
1738:
1729:. Archived from
1723:
1717:
1716:
1714:
1712:
1697:
1691:
1690:
1688:
1686:
1670:
1664:
1663:
1661:
1659:
1648:
1642:
1641:
1639:
1637:
1617:
1611:
1610:
1608:
1606:
1595:
1589:
1577:
1571:
1570:
1568:
1566:
1555:
1549:
1548:
1546:
1539:
1531:
1525:
1524:
1522:
1520:
1504:
1498:
1497:
1495:
1493:
1474:
1468:
1467:
1465:
1463:
1454:. Archived from
1443:
1437:
1436:
1434:
1432:
1421:
1415:
1414:
1412:
1410:
1399:"HBOS Statement"
1395:
1389:
1388:
1386:
1384:
1369:
1363:
1362:
1360:
1358:
1342:
1336:
1335:
1333:
1331:
1321:
1315:
1314:
1312:
1310:
1299:
1293:
1292:
1290:
1288:
1282:
1275:
1267:
1256:
1255:
1253:
1251:
1236:
1230:
1229:
1227:
1225:
1210:
1204:
1203:
1201:
1199:
1188:
1182:
1181:
1179:
1177:
1161:
1135:
1133:Companies portal
1130:
1129:
1128:
1121:
1116:
1115:
1114:
1088:Clerical Medical
974:St James's Place
962:Sainsbury's Bank
933:Capital Bank plc
909:Bank of Scotland
550:Alistair Darling
373:Capital Bank plc
359:Bank of Scotland
347:Bank of Scotland
291:Capital Bank plc
277:Bank of Scotland
225:HBOS offices in
49:
42:
38:
21:
3835:
3834:
3830:
3829:
3828:
3826:
3825:
3824:
3770:
3769:
3768:
3763:
3740:
3697:
3685:Occupy movement
3655:
3618:
3604:
3583:
3571:
3565:
3500:
3479:
3422:
3416:
3405:
3334:
3281:
3245:
3190:
3188:Great Recession
3185:
3155:
3150:
3143:
3129:
3114:
3105:Lloyds Bank RFC
3093:
3068:
3009:
3003:
2934:Cox & Kings
2895:
2891:Scottish Widows
2873:
2844:
2818:
2769:
2765:
2762:
2703:
2668:
2663:
2649:
2645:
2631:
2627:
2613:
2609:
2599:
2597:
2592:
2591:
2587:
2577:
2575:
2566:
2565:
2561:
2551:
2549:
2544:
2543:
2539:
2529:
2527:
2514:
2513:
2509:
2502:
2498:
2491:
2487:
2472:
2468:
2458:
2456:
2447:
2446:
2442:
2432:
2430:
2412:Hurley, James.
2410:
2406:
2396:
2394:
2386:
2385:
2381:
2374:Financial Times
2366:
2365:
2361:
2351:
2349:
2340:
2339:
2332:
2322:
2320:
2312:
2311:
2307:
2300:www.reuters.com
2294:
2293:
2289:
2280:
2279:
2275:
2266:
2265:
2261:
2251:
2249:
2244:
2243:
2236:
2226:
2224:
2213:
2212:
2208:
2198:
2196:
2173:
2172:
2168:
2155:
2154:
2150:
2140:
2138:
2134:BBC News Online
2127:
2126:
2122:
2112:
2110:
2098:
2087:
2077:
2075:
2062:
2058:
2048:
2046:
2041:
2040:
2036:
2026:
2024:
2011:
2007:
1997:
1995:
1986:
1985:
1981:
1971:
1969:
1959:
1955:
1945:
1943:
1938:
1937:
1933:
1923:
1921:
1912:
1911:
1904:
1894:
1892:
1887:
1886:
1882:
1877:Wayback Machine
1867:
1863:
1853:
1851:
1842:
1841:
1837:
1827:
1825:
1822:Financial Times
1813:
1809:
1799:
1797:
1795:Daily Telegraph
1787:
1772:
1762:
1760:
1751:
1750:
1746:
1736:
1734:
1725:
1724:
1720:
1710:
1708:
1698:
1694:
1684:
1682:
1672:
1671:
1667:
1657:
1655:
1650:
1649:
1645:
1635:
1633:
1618:
1614:
1604:
1602:
1597:
1596:
1592:
1587:Wayback Machine
1578:
1574:
1564:
1562:
1557:
1556:
1552:
1544:
1537:
1533:
1532:
1528:
1518:
1516:
1505:
1501:
1491:
1489:
1488:on 16 July 2012
1476:
1475:
1471:
1461:
1459:
1444:
1440:
1430:
1428:
1423:
1422:
1418:
1408:
1406:
1405:on 13 June 2011
1397:
1396:
1392:
1382:
1380:
1371:
1370:
1366:
1356:
1354:
1343:
1339:
1329:
1327:
1323:
1322:
1318:
1308:
1306:
1301:
1300:
1296:
1286:
1284:
1280:
1273:
1269:
1268:
1259:
1249:
1247:
1238:
1237:
1233:
1223:
1221:
1212:
1211:
1207:
1197:
1195:
1194:. 7 August 2008
1190:
1189:
1185:
1175:
1173:
1162:
1158:
1154:
1149:
1131:
1126:
1124:
1117:
1112:
1110:
1107:
1069:
1032:
983:
905:
897:
878:
743:
722:
710:
667:
643:
638:
633:
627:
575:
529:
507:Prime Minister
483:
456:competition law
421:Lehman Brothers
406:Bank of England
397:, HBOS head of
391:
377:banking licence
365:
355:
339:
258:holding company
155:
134:
123:
100:
35:
28:
23:
22:
15:
12:
11:
5:
3833:
3823:
3822:
3817:
3812:
3807:
3802:
3797:
3792:
3787:
3782:
3765:
3764:
3762:
3761:
3756:
3751:
3745:
3742:
3741:
3739:
3738:
3733:
3728:
3723:
3718:
3717:
3716:
3705:
3703:
3702:Related topics
3699:
3698:
3696:
3695:
3694:
3693:
3682:
3676:
3670:
3663:
3661:
3657:
3656:
3654:
3653:
3648:
3643:
3638:
3633:
3628:
3622:
3620:
3614:
3613:
3610:
3609:
3606:
3605:
3603:
3602:
3600:General Motors
3597:
3591:
3589:
3582:
3581:
3575:
3573:
3567:
3566:
3564:
3563:
3558:
3553:
3548:
3546:Green New Deal
3543:
3538:
3533:
3528:
3523:
3518:
3512:
3510:
3506:
3505:
3502:
3501:
3499:
3498:
3493:
3487:
3485:
3478:
3477:
3472:
3467:
3462:
3457:
3452:
3447:
3442:
3437:
3432:
3426:
3424:
3418:
3417:
3407:
3406:
3404:
3403:
3398:
3393:
3388:
3383:
3378:
3373:
3368:
3363:
3358:
3353:
3348:
3342:
3340:
3336:
3335:
3333:
3332:
3330:Allen Stanford
3327:
3322:
3317:
3312:
3307:
3302:
3301:
3300:
3289:
3287:
3283:
3282:
3280:
3279:
3274:
3269:
3267:Housing bubble
3264:
3259:
3253:
3251:
3247:
3246:
3244:
3243:
3238:
3237:
3236:
3226:
3221:
3220:
3219:
3214:
3204:
3198:
3196:
3192:
3191:
3184:
3183:
3176:
3169:
3161:
3152:
3151:
3149:
3148:
3134:
3119:
3116:
3115:
3113:
3112:
3107:
3101:
3099:
3095:
3094:
3092:
3091:
3086:
3080:
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2729:Dobbs Review
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2685:Peter Pugh,
2672:
2666:Bibliography
2654:
2646:
2636:
2628:
2620:The Guardian
2618:
2610:
2598:. Retrieved
2588:
2578:28 September
2576:. Retrieved
2572:the original
2562:
2552:28 September
2550:. Retrieved
2540:
2528:. Retrieved
2524:the original
2519:
2510:
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2457:. Retrieved
2452:
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2431:. Retrieved
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2350:. Retrieved
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2321:. Retrieved
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2250:. Retrieved
2225:. Retrieved
2218:
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2197:. Retrieved
2185:File on Four
2183:
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2139:. Retrieved
2132:
2123:
2111:. Retrieved
2105:
2076:. Retrieved
2071:The Guardian
2069:
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2047:. Retrieved
2037:
2025:. Retrieved
2018:
2008:
1996:. Retrieved
1991:
1982:
1970:. Retrieved
1966:
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1944:. Retrieved
1934:
1922:. Retrieved
1917:
1893:. Retrieved
1883:
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1852:. Retrieved
1848:The Guardian
1847:
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1826:. Retrieved
1820:
1810:
1798:. Retrieved
1794:
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1756:
1747:
1735:. Retrieved
1731:the original
1721:
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1706:The Guardian
1705:
1695:
1683:. Retrieved
1677:
1668:
1656:. Retrieved
1646:
1636:18 September
1634:. Retrieved
1630:the original
1625:
1615:
1603:. Retrieved
1601:. Lloyds TSB
1593:
1575:
1565:17 September
1563:. Retrieved
1553:
1542:the original
1529:
1519:17 September
1517:. Retrieved
1513:The Guardian
1512:
1502:
1492:18 September
1490:. Retrieved
1486:the original
1481:
1472:
1462:17 September
1460:. Retrieved
1456:the original
1451:
1441:
1431:17 September
1429:. Retrieved
1419:
1407:. Retrieved
1403:the original
1393:
1383:17 September
1381:. Retrieved
1377:the original
1367:
1357:17 September
1355:. Retrieved
1351:The Guardian
1350:
1340:
1328:. Retrieved
1319:
1309:17 September
1307:. Retrieved
1297:
1287:18 September
1285:. Retrieved
1278:the original
1250:18 September
1248:. Retrieved
1244:the original
1234:
1222:. Retrieved
1218:the original
1208:
1198:17 September
1196:. Retrieved
1186:
1176:17 September
1174:. Retrieved
1170:The Guardian
1169:
1159:
1119:Banks portal
1092:
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898:
879:
871:
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834:John Glen MP
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789:Noel Edmonds
787:
782:File on Four
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554:Fred Goodwin
533:Gordon Brown
530:
521:
509:Gordon Brown
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502:
484:
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462:Alex Salmond
460:
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418:
403:
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384:
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340:
325:
314:
299:
280:
270:
245:
244:
176:Subsidiaries
127:James Crosby
83:Headquarters
75:Acquired by
36:
3679:Arab Spring
3588:Non-banking
3320:Tom Petters
3077:Legislation
2989:Porterbrook
2954:Hill Samuel
2856:Black Horse
2781:Lloyds Bank
2176:Andy Verity
1924:28 February
1800:19 November
1330:19 December
796:Linda Dobbs
683:Cross Gates
647:War on Want
625:Advertising
438:talks with
273:Halifax plc
227:Lovell Park
131:Andy Hornby
3774:Categories
2907:Lloyds TSB
2823:Commercial
2480:FT Adviser
2199:31 January
2174:Reporter:
2141:2 February
2113:30 January
2078:30 January
2027:31 January
1992:The Herald
1972:11 October
1942:. BBC News
1737:13 October
1654:. BBC News
1605:3 November
1409:11 October
1147:References
876:Operations
679:Lloyds TSB
541:Lloyds TSB
487:Lloyds TSB
440:Lloyds TSB
395:Paul Moore
317:Lloyds TSB
138:(Chairman)
122:Key people
77:Lloyds TSB
3298:Tom Hayes
3195:By region
3059:The Leeds
2878:Insurance
2600:2 October
2428:0140-0460
2419:The Times
1994:. Glasgow
1626:The Times
866:SM&CR
807:SM&CR
393:In 2004,
302:The Mound
215:Aylesbury
195:Edinburgh
89:Edinburgh
3595:Chrysler
3207:Americas
3130:Category
3024:Bankwest
2999:TSB Bank
2849:Consumer
2709:HBOS plc
2459:22 March
2433:22 March
2397:22 March
2352:22 March
2323:22 March
2107:BBC News
2074:. London
2023:. London
1873:Archived
1583:Archived
1515:. London
1353:. London
1172:. London
1105:See also
1006:in 2013.
993:in 2013.
659:Chemring
567:Barclays
559:Barclays
436:takeover
282:Big Four
275:and the
246:HBOS plc
143:Products
93:Scotland
54:Industry
40:HBOS plc
18:HBOS plc
3241:Oceania
3234:Iceland
3144:Commons
2796:Halifax
2722:of the
2718:in the
2530:15 June
2520:Reuters
2252:30 July
2227:9 April
2049:15 June
1998:15 June
1946:15 June
1895:15 June
1854:21 June
1828:9 April
1763:15 June
1757:Reuters
1711:15 June
1685:15 June
1658:15 June
1482:Reuters
1452:Reuters
1061:Westpac
1041:Limited
1017:Halifax
950:Limited
928:Halifax
809:to the
675:Halifax
563:Reuters
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