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	HBOS Foundation
		The HBOS Foundation was established in May 2002, following the merger of Halifax and Bank of Scotland to create HBOS plc, and continues the significant amount of work and support across our communities that both organisations carried out pre-merger.
		HBOS Volunteering - providing encouragement, opportunities and support to colleagues who are donating their time to support the community in which they live and work
		The philosophy of the HBOS Foundation is to create partnerships that are sustainable and of real mutual value by assisting charitable and voluntary organisations in their work.
	www.hbosfoundation.org (491 words)

	BBC NEWS \| Business \| HBOS staff to get £67m windfall
		HBOS - formed after Halifax merged with Bank of Scotland in 2001 - also said it would lift its share buyback to £1bn.
		HBOS said it had seen bad debts in its retail arm rise "in line with general trends in the sector".
		HBOS said in the UK it had "targeted growth selectively in markets where we see the most attractive prospects for sustainable growth" but that it was not overly dependent on any one product or line.
	news.bbc.co.uk /1/hi/business/5233686.stm (423 words)

	HBOS: Spannerworks
		Halifax (part of HBOS plc) is well known in the UK consumer market as the financial services company that’s ‘Always giving you extra’.
		David St. John-Tradewell, Business Development Manager at Spannerworks, says: “HBOS is a strategically important account for us in the consumer finance sector and we are delighted that they are happy with the results.
		HBOS is a fantastic business to work with because they are not only proactive in implementing our recommendations, but also always support our work by allocating resources across the business and ensuring that marketing and technical teams all work together to help meet search objectives.”
	www.spannerworks.com /our-work/hbos (806 words)

	HBOS
		HBOS is planning to consolidate its Glasgow-based corporate banking operations at the 94,000 sq ft former Bank of Scotland headquarters at 110 St Vincent Street.
		HBOS is to close 48 of the 67 former Birmingham Midshires building society branches, with the remaining 19 being converted to the Halifax fascia and all 470 staff being offered jobs elsewhere in the group.
		HBOS is planning to expand its activities in the small business banking market through the recruitment of an extra 1,500 staff over the next three years, which will involve the use of Halifax's high street branches.
	www.ukbusinesspark.co.uk /hbosaaaa.htm (837 words)

	icCheshireOnline - HBOS leaves field clear in battle for Abbey National
		HBOS said its decision, which followed weeks of speculation, came despite a "very substantial opportunity" for potential savings and a strong case on competition issues.
		HBOS chief executive James Crosby said the decision not to bid for Abbey was taken within the past 24 hours and had the full backing of the board.
		HBOS first expressed an interest in bidding for Abbey on August 2 and the prospect of a takeover battle has helped to support a large rise in its rival's share price.
	iccheshireonline.icnetwork.co.uk /0100news/0200businessfarmingnews/tm_objectid=14647703&method=full&siteid=50061&headline=hbos-leaves-field-clear-in-battle-for-abbey-national-name_page.html (478 words)

	Upbeat HBOS plans buyback
		HBOS, the country’s fourth-biggest bank by assets, said in an upbeat trading statement it would buy back up to 750 million pounds of shares next year and aims to raise its dividend growth rate.
		HBOS is the latest bank to update the market on its performance in 2004 ahead of full-year results.
		HBOS said new accounting rules that take effect next year would cut headline earnings per share by about 3 percent and underlying earnings by about 5 percent.
	www.tiscali.co.uk /news/newswire.php/news/reuters/2004/12/14/business/upbeathbosplansbuyback.html&template=/business/feeds/story_template.html (632 words)

	Guardian Unlimited \| Special reports \| HBOS appeal adds new twist to Abbey saga
		HBOS yesterday appealed to the European competition authorities to examine the relationship between Royal Bank of Scotland and Banco Santander Central Hispano, the Spanish bank which has bid £8bn for Abbey National.
		HBOS is urging the EU to seek clarification on whether Santander is planning to outsource Abbey's back office to RBS, which has been the subject of rumours in the past.
		HBOS sent a copy of its letter to the EU to the Office of Fair Trading, which would decide whether any bid by HBOS should be analysed by the competition authorities.
	www.guardian.co.uk /spain/article/0,2763,1289446,00.html (655 words)

	FAQ - HBOS Graduates
		HBOS is looking for graduates who have a clear idea of their career aspirations.
		HBOS graduate programmes are intensive training programmes designed to fast-track you to senior positions within the company more quickly than is usual.
		All of the HBOS graduate programmes are designed to fast-track you to senior positions within the company more quickly than is usual.
	www.hbos-choices.co.uk /faq (889 words)

	HBOS profits double
		The performance by HBOS included a 22 per cent improvement in earnings from its high street operation, where a surplus of £2.06 billion was achieved.
		HBOS said it would pay shareholders a full-year dividend of 32.95p a share, an increase of 7 per cent on a year earlier.
		HBOS said it would continue to focus on costs but said reductions would not be achieved at the expense of customer services or future growth.
	www.manchesteronline.co.uk /business/general/s/148/148026_hbos_profits_double.html (398 words)

	BITC - Women bank on HBOS support (Site not responding. Last check: )
		HBOS Procurement has successfully taken on the challenge of 'making a difference in the community' by being involved in the Calderdale Cares programme.
		Publication of these articles and also receiving a nomination for a HBOS Award has increased awareness of the Centre and the services offered which are used by women and children from all walks of life.
		The HBOS Procurement team found their involvement with the Centre very rewarding and will continue to support volunteering initiatives throughout 2005, finding new ways to help by sharing their skills.
	www.bitc.org.uk /resources/case_studies/hbos_challenge.html (1074 words)

	Money \| Get-tough policy sees HBOS lose mortgage market share
		In a statement ahead of its results next month, HBOS said yesterday that its deliberate policy of adjusting lending rules each time the Bank of England raised the cost of borrowing had already had an impact on its market share.
		In 2003, HBOS had a 25% share of the mortgage-market, so yesterday's statement suggested the change of tack had begun to have an effect.
		HBOS said this week that its economists were predicting a slowdown from the current 20% annual rate of increase in house prices over the coming months - but it insisted that it was not worried about the threat of a crash.
	money.guardian.co.uk /print/0%2C3858%2C4956155-110144%2C00.html (569 words)

	HBOS set to offer £9bn for Abbey - [Sunday Herald]
		HBOS is believed to be preparing a £9-10 billion counter bid for Abbey National with an offer document being issued in September.
		James Crosby, chief executive of HBOS, apparently believes that he can persuade the competition commission that the inevitable inquiry that would follow his bid should be “truncated” to around one month, instead of one year.
		HBOS will seek to butter up the government and competition authorities by positioning itself as the “consumer champion” that has done most to bring greater competition to the UK banking market in recent years.
	www.sundayherald.com /44235 (686 words)

	ComputerWeekly.com - £25m deal sets HBOS on path to a single platform for insurance - IT Management\Outsourcing - ... (Site not responding. Last check: )
		HBOS, the bank, formed by the merger last year between Bank of Scotland and Halifax, said last week that it expects the system to reduce customer servicing costs by 25%.
		The HBOS IT revamp comes at a time of unusual turmoil in the insurance sector, traditionally seen as the technology laggard of the financial services industry.
		HBOS also has the help of a big-name consultancy with a blend of consulting and system integration experience.
	www.computerweekly.co.uk /Article118005.htm (1180 words)

	Scotsman.com News - HBOS boost for private investors (Site not responding. Last check: )
		HBOS, formed from the merger of Halifax and Bank of Scotland in 2001, yesterday announced a 29 per cent lift in yearly profits to £3.8 billion - but like Royal Bank of Scotland last week quickly drew attention to the benefits to shareholders from its progress.
		Yesterday, James Crosby, HBOS group chief executive, said the "payoff" for shareholders was the result of an organisation "that is gaining market share in every market it operates in".
		Meanwhile, Crosby said that HBOS was not interested in the auction for internet bank Egg, and indicated that the group would not be interested in bidding for Standard Life, if the Edinburgh life assurer floated.
	news.scotsman.com /index.cfm?id=223722004 (917 words)

	Euro2day :: HBOS says on course for forecast-beating FY earnings UPDATE
		HBOS, the UK''s fourth-biggest bank and the country''s biggest mortgage lender, said growth in overall lending would be "at the upper end" of analysts'' expectations, while cost growth would be in line with earlier guidance of about 6 pct.
		HBOS finance director Phil Hodkinson said growth in unsecured consumer bad debts had slowed since the summer, but added that the bank''s bad debt problems had yet to reach their peak.
		HBOS is the last of the major UK banks to deliver its pre-Christmas trading statement.
	www.euro2day.gr /articlesfna/25488927 (1321 words)

	HBOS treasury services (Site not responding. Last check: )
		HBOS Treasury Services deals with private clients only after all relevant documentation (including but not limited to risk warnings and terms and conditions of business), and accordingly not all services and products mentioned or referred to on this site may be available or applicable to such person.
		HBOS Treasury Services is part of the HBOS Group, which also includes Halifax plc and Bank of Scotland, and is authorised and regulated in the UK by the Financial Services Authority.
		HBOS Treasury Services collects and processes information about customers and visitors to its web site to conduct its business, to inform and make available products and services that may be of interest to you and for the development of web statistics.
	www.hbosts.com /terms.html (1896 words)

	Edinburgh Evening News - Business - HBoS hails 'robust' home loan lending (Site not responding. Last check: )
		HBoS said in March that retail bad debts had risen in the second half of last year, prompting it to tighten lending.
		In today's statement, HBoS said personal loans and specialist lending such as housing buy-to-let were areas where increases in bad debts had been most pronounced, although other areas such as credit card and general mortgage lending were performing satisfactorily.
		Separately, HBoS said basic earnings per share for 2004 were reduced by four per cent to 74.9 pence under IFRS accounting standards, in a restatement of last year's results.
	edinburghnews.scotsman.com /business.cfm?id=599972005 (680 words)

	HBOS cautious on lending \| Business \| Money \| Telegraph
		HBOS has become the first of the Big Five banks to report a decline in bad debts but was cautious about unsecured lending as it reported a near 20pc jump in profits.
		However, HBOS was relatively downbeat about unsecured lending where the amount of bad debts continued to rise to 13.2pc of the loan book from 11.5pc in 2005.
		HBOS intends to undertake a share buyback programme of up to £500m in 2007 after £982m was spent last year.
	www.telegraph.co.uk /money/main.jhtml?xml=/money/2007/02/28/bcnhbos28.xml (374 words)

	HBOS sees earnings beating expectations - Boston.com
		HBOS PLC, Britain's biggest mortgage lender, said Thursday it expects full-year earnings to exceed market expectations because of growing revenue and tight cost control.
		HBOS, parent company of the Bank of Scotland and Halifax, said growth in lending was at the upper end of the anticipated range.
		HBOS shares gained 1.6 percent to close at 1101 pence ($21.68) on the London Stock Exchange.
	www.boston.com /news/world/europe/articles/2006/12/14/hbos_earnings_to_beat_expecations (185 words)

	HBOS IEXcellence: A Case Study
		HBOS plc implemented a sophisticated workforce management methodology that includes centralised multi-site, multi-skill and multi-channel planning for nine contact centres where agent time is shared between inbound and revenue-generating outbound activity.
		HBOS was not always able to operate in such a sophisticated manner, however.
		Using TotalView, HBOS is able to budget contact centre operations based both on current and future seating requirements, right down to planning new facilities.
	www.tmcnet.com /channels/workforce-optimization/articles/3793-hbos-iexcellence-case-study.htm (615 words)

	The Scotsman - Business - HBOS wins City favour with share buyback (Site not responding. Last check: )
		HBOS has increased its dividend cover - net income divided by the total payout - to 2.5 and will not seek to raise it further, Crosby said.
		HBOS banking sources also hinted that over the next few days the group will announce a major new consumer banking initiative, although there were no details yesterday.
		HBOS said retail banking growth had been in line with expectations, insurance was strong and corporate lending in the second half of the year will match the first half.
	thescotsman.scotsman.com /business.cfm?id=1429272004 (604 words)

	Business Objects Customers: HBOS plc
		HBOS supplier relationship management system based on KALIDO and BusinessObjects is playing a vital role in ensuring excellent cost management throughout the procurement process, exceeding expected cost synergies from the merger.
		HBOS now has one central source for all procurement information, from supplier performance to trends in purchasing spend.
		Looking ahead, HBOS plans to incorporate information from its procurement activity management system into the data warehouse to report on supplier engagements and joint exercises with suppliers on supplier development and their corporate and social responsibility.
	www.businessobjects.com /company/customers/spotlight/hbos_plc.asp (582 words)

	HBOS Australia - HBOSA Foundation
		The Foundation is part of HBOS Australia's shift towards extending its reach and support to a wider cross-section of the community, especially to the needy and underprivileged.
		HBOS Australia does not warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use.
		HBOS Australia accepts no responsibility or liability in respect of any material on any website which is not under its control.
	www.hbosaustralia.com.au /HBOSA_Foundation (625 words)

	FT.com / Home UK / UK - Case study: HBOS General Insurance (Site not responding. Last check: )
		Although the FSA requirements were unavoidable, HBOS General Insurance seized the opportunity to go beyond the statutory rules and build a long-term infrastructure to exploit and respond to client information.
		With 2m UK households buying their insurance from HBOS, the scale of the new data warehouse is impressive.
		When severe flooding hit the south-west of England in August, HBOS General Insurance was able to request precise numbers of policy-holders in afflicted areas and calculate its exposure to the event, so that reinsurers could be appraised of its potential liability.
	news.ft.com /cms/s/8cf82774-16e8-11d9-a89a-00000e2511c8,dwp_uuid=3a574a30-11f3-11d9-863e-00000e2511c8.html (763 words)

	Assetz® News - HBOS plans Abbey bid (Site not responding. Last check: )
		HBOS could be considering a possible counter-bid for main rival Abbey, despite Abbey recently agreeing to a £9 billion deal with Spain's Bank Santander Central Hispano.
		It is believed that HBOS began considering a possible bid for Abbey after being advised that the deal would be welcomed by shareholders and also has a possible chance of winning approval from the competition regulators.
		HBOS was formed following the merger of Halifax and the Bank of Scotland in 2001 and currently has around 22 million customers.
	www.propertybuyersclub.co.uk /property-investment/HBOS-plans-Abbey-bid.htm (303 words)

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