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Topic: HBOS plc

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	HBOS plc Podcasts
		You (the person using the HBOS Podcast) may only use HBOS plc's ("HBOS") podcast facilities ("HBOS Podcast") if you agree to be bound by the HBOS terms set out at: http://www.hbosplc.com/home/legalnotice.asp (the "Terms") as amended by these terms and conditions (the "Podcast Terms ").
		Other than for Authorised Use HBOS prohibits any copying or reproduction, other alteration (including but not limited to editing, adapting, altering), and any other use in any way that may transmit, publish release or broadcast the materials.
		HBOS will not be liable for any loss or damage which You, or any other party may suffer as a result of or connected with the download or use of the Materials.
	www.hbosplc.com /media/rss/hbos_podcasts.asp (406 words)

	HBOS Australia - Organisational Structure
		HBOS plc was formed as part of the merger of the Halifax group and Bank of Scotland in 2001.
		HBOS plc 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.
		HBOS plc is also a leading insurer and asset manager, and has a significant presence in corporate and business banking.
	hbos.com.au /Organisational_Structure (361 words)

	HBOS - Wikipedia, the free encyclopedia
		HBOS plc (LSE: HBOS) is a banking and insurance group in the United Kingdom, the holding company for Halifax plc and the Governor and Company of the Bank of Scotland.
		HBOS was created on September 10, 2001 following the agreement of the Bank of Scotland and Halifax to merge their operations and create a new banking group in the UK.
		HBOS Australia was formed in 2004 to consolidate the group’s holdings in Australia.
	en.wikipedia.org /wiki/HBOS_plc (580 words)

	Application Development Trends - HBOS
		HBOS plc, the United Kingdom’s largest mortgage and savings provider, has 22 million customers and a relationship with two out of every five households in the UK, with assets totally more than £440 billion.
		At the time of initial implementation, HBOS plc was investigating every possible way to generate savings and knowing each supplier, exactly what was being spent and with whom, as well as what was being purchased by different areas within the business enabled the procurement area to be an integral part of cost savings achieved.
		The HBOS Procurement systems team and internal HBOS Group Technology experts were all involved in the initial planning and development phases and continue to be strong advocates/drivers for the continued expansion and growth of the system.
	www.adtmag.com /article.aspx?id=18216 (2659 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 Group Reorganisation Act 2006 - Wikipedia, the free encyclopedia
		The HBOS Group Reorganisation Act 2006 is a private Act of Parliament, passed by the British Parliament in June 2006.
		HBOS plc is a banking and insurance holding company and was created on September 10, 2001 from the merger of the Governor and Company of the Bank of Scotland and Halifax plc.
		HBOS group wished to restructure the Bank into a plc governed under the Companies Act 1985, and transfer the assets and liabilities of its other UK subsidiaries with a banking licence (Capital Bank, Halifax plc and HBOS Treasury Service plc) to the new Bank of Scotland plc.
	en.wikipedia.org /wiki/HBOS_Group_Reorganisation_Act_2006 (545 words)

	Portfolio Company News
		HBOS has now achieved a single view of procurement information while maintaining the local reporting structures, and without the need for operational system standardization.
		The HBOS SRM solution has consistently been flexible enough to incorporate both internal and external data feeds, handle dual versions of the same data to allow retrospective reporting, and maintain consistent reporting without disruption even throughout a major business reorganization.
		HBOS was formed in September 2001 following the merger of Halifax and Bank of Scotland.
	www.atlasventure.com /newsandevents/news.cfm?id=113 (1552 words)

	Bank of Scotland Investment Service - HBOS Group
		On the 10th September 2001 Halifax Group plc and Bank of Scotland merged to form HBOS plc.
		HBOS has a substantial customer base and the means to unlock significant commercial opportunities through the partnerships and alliances of Bank of Scotland and Halifax.
		The strategy for the HBOS Group is therefore to use our strengths and focus on making sure we deliver the best performance of any in our peer group, and hold on to our customers by giving them real value and superb service.
	www.bosinvestment.co.uk /pages/BosisHBOSGroup (565 words)

	HBOS PLC and Related Entities Outlook Revised to Negative; Ratings Affirmed
		The ratings on HBOS, the holding company of the HBOS group, reflect its strong business position, the offsetting impact of rapid lending growth on its generally good asset quality, and increasing diversification.
		HBOS' principal operating entities are Halifax PLC (AA/Negative/A-1+), Bank of Scotland (the trading name of The Governor and Company of the Bank of Scotland: BoS; AA/Negative/A-1+), and Clerical Medical Investment Group Ltd. (Clerical Medical; AA/Negative/--).
		A key rating factor for HBOS is its ability to carefully manage the impact of its growth strategy on asset quality, capitalization, and funding.
	www.standardandpoors.com /europe/francais/Fr_news/Newsletter/articles/HBOS-PLC_28-01-03.html (810 words)

	HBOS PLC SELECTS FRS (Site not responding. Last check: 2007-10-22)
		With assets of over £380 billion, HBOS is the UK's largest mortgage and savings provider as well as a major player in the provision of new current accounts and credit cards in the UK.
		Chris Armstrong, Head of Group Finance Systems at HBOS plc said, “After looking at all our options, FRS was clearly the best solution for HBOS to meet the Bank of England PL and ER reporting requirements.
		HBOS joins a growing list of leading banks that have selected FRS to provide a consistent and consolidated foundation to deliver regulatory reporting on a regional or global basis.
	www.frsglobal.com /subhtml/newsandevents/press/2004_29_04_hbos.html (735 words)

	NCR - Financial Solutions Division Case Study - HBOS plc (Site not responding. Last check: 2007-10-22)
		HBOS decided to introduce NCR's new software as part of their preparations for the introduction of the ICC Smartcard program in the UK, while improving the service provided to their 25 million customers.
		APTRA Edge provides the infrastructure for HBOS to offer its customers access to all HBOS products through all their communication channels and enables the bank to contact its customers through the same communication channels.
		With its multi-vendor ability, APTRA Edge gives HBOS the freedom to choose the most appropriate, best-value ATMs and, perhaps more importantly, to develop new functionality once and deploy across all the ATMs in their network.
	www.ncr.com /repository/case_studies/self-service/hbos.htm (289 words)

	HBOS treasury services
		is the HBOS Group's single integrated UK Treasury.
		It is a 100% subsidiary of, and fully and irrevocably guaranteed by, Bank of Scotland.
		HBOS plc is the 4th largest UK banking group with total assets of £570bn and over 23 million customers.
	www.hbosts.com (87 words)

	[No title]
		This approval is granted based on a thorough review of all information available including the representations and commitments made in the application and by the foreign bank and HBOS plcs’ (parent), representatives.
		HBOS plc and HBOSTS shall maintain a registered agent in the U. to receive service of process and shall notify the OCC of any change in the designated registered agent.
		HBOS plc and HBOSTS must comply with all understandings and commitments contained in any approval order issued by the Federal Reserve Board in connection with the proposed Federal branch.
	www.occ.treas.gov /interp/dec03/ca609.doc (730 words)

	HBOS plc Jobs: Vault Jobs & Employment Profiles (Site not responding. Last check: 2007-10-22)
		Not only do the national headquarters house a museum, but "the company has been around 300 years." One source is confident this means HBOS "will not go out of business tomorrow".
		Read the extended Gold Snapshot for HBOS plc, with 3x the info of the basic snapshot.
		HBOS plc employee surveys are collected by Vault editors, Vault Gold Surveys provide detailed information on jobs and employment at specific employers.
	www.vault.com /jobs-company/HBOS-plc.html (375 words)

	Bloomberg.com: U.K.
		HBOS shares rose 16 percent in the past four years, beating a 3.5 percent gain on the FTSE 350 Banks Index.
		HBOS, Britain's fourth-biggest bank after HSBC, Royal Bank of Scotland Group Plc and Barclays, is expecting to benefit from a ``strengthening economy'' in Britain and expects interest rate cuts to help spur borrowing this year, Crosby said in December.
		HBOS in 2004 pledged to give Hornby as many as 260,000 shares in a special grant to keep him from quitting after he was offered a job by an unidentified retailer among the U.K.'s 100 biggest companies.
	www.bloomberg.com /apps/news?pid=10000102&sid=aaLQvw5PKvSM (991 words)

	HBOS challenges Ireland's big banks UPDATE - Forbes.com (Site not responding. Last check: 2007-10-22)
		HBOS, the UK's fourth biggest bank, plans to launch 46 new branches across Ireland over the next 14 months, in what it claims will be the first new entry to the Irish retail banking market since the 1880s.
		HBOS chief executive James Crosby said the bank had chosen to expand in Ireland because of its fast-growing economy and young population, and because the country's relatively uncompetitive banking sector offered rich pickings to new entrants.
		The HBOS chief executive stressed that organic growth in the core UK remained the bank's strategic priority, echoing comments earlier this month aimed at dispelling speculation that it might be planning costly foreign acquisitions.
	www.forbes.com /home/feeds/afx/2006/01/10/afx2440981.html (937 words)

	GSH Facilities & Energy Management - Case Sudies, HBOS plc - GSH UK & Ireland (Site not responding. Last check: 2007-10-22)
		HBOS Plc is a merger of Halifax and Bank of Scotland, a major and distinctive competitor in the UK financial services market.
		HBOS chose GSH as their service provider through negotiation, level of relationship and continued excellent service delivery to every corporate site within Great Britain including Bristol, Ireland, London and Edinburgh.
		GSH’s innovative and ICT solutions provide HBOS with the ability to increase their equipments life-cycle through Condition Based Maintenance, directly from Maximo we provide a sophisticated Portal service that delivers to HBOS, on-line and real-time reports on key management information and enables them to monitor our performance.
	www.gshgroup.com /uk/case-study.asp?ID=52 (283 words)

	Company Profile: HBOS PLC (Site not responding. Last check: 2007-10-22)
		While information contained herein has been obtained from sources believed to be reliable, WVB does not represent that it is accurate or complete and it should not be relied upon as such.
		Instead of building a war-chest for potential acquisitions, HBOS said it would buy back shares and indicated that it might be able to return more cash in the future.
		Shares in HBOS, formed through the merger of Halifax and Bank of Scotland, rose to their highest level for two years to end at 806p, up 30p.
	www.shibuimarkets.com /perl/company.pl?cid=170699 (256 words)

	NewsFromRussia.Com Britain's HBOS to turn on branch network in Ireland
		HBOS Chief Executive James Crosby said the bank expected to have 46 branches operating in Ireland within the next 14 months.
		HBOS, which was created by the merger of Halifax and Bank of Scotland in 2001, has 22 million customers in its core British market.
		HBOS PLC, Britain's fourth-largest bank, announced Tuesday it will open a branch network in neighboring Ireland in a rare challenge to the country's dominant domestic banks.
	newsfromrussia.com /world/2006/01/10/70945.html (2545 words)

	EuroInvestor.co.uk - HBOS PLC
		September 2001 saw the arrival of the British HBOS PLC Group, as a result of the merger of the Halifax and the Bank of Scotland.
		HBOS offers variable term savings schemes, consumer credit and a variety of insurance policies (life, car, home, travel).
		With its thousands of employees and its millions of customers (2 households out of 5 in Britain use it), HBOS PLC looks to the future and is very active on the Web, with several specialist sites.
	www.euroinvestor.co.uk /Stock/ShowStockInfo.Aspx?StockId=293410 (309 words)

	Hbos Share Price HBOS, Stock Quotes, Charts, Share Trades & News.
		Hbos Holding(s) in Company : Balfour Beatty PLC 08 December 2006 Balfour Beatty plc ("the Company") today received notice from HBOS plc that they no longer have a notifiable interest in the ordinary share capital of the Company.
		We offer Intraday and historical Share prices for Hbos Plc (HBOS) and other London Stock Exchange listed companies as well as company financials, Level 2 Data and the latest investor information from our stock market Message Boards.
		Receive the lastest Hbos share price by texting afn q HBOS to 60030 and receive the current Hbos Plc share price, the bid and offer price as well as the day's high, low and opening prices.
	www.advfn.com /quote_Hbos-Plc_LSE_HBOS.html (428 words)

	HBOS Resource Center - hbos plc
		HBOS's merger was notable in that it created a company of comparable size and hbos plc stature to the established havelock & hbos Big Four UK retail banks.
		The plc is listed on the London hbos uk Stock Exchange.
		These two companies now form HBOS' main subsidiaries, but hbos hbos appoints new marketing through havelocks & hbos these, hbos share price a number of other financial institutions are hbos plc, performance of hbos shares strategy owned, paul moore, hbos hbos shares including:
	www.taxgloss.com /Tax-Banks_H_-_K-/HBOS.html (90 words)

	UK Indymedia - Business In The Community Annual Conference London – Picket For Help HBOS PLC (Site not responding. Last check: 2007-10-22)
		Held at the Queen Elizabeth Conference Centre, London, HBOS PLC was the ‘target’.
		HBOS PLC are full members* of BITC, an organisation which acts under the Presidency* of HRH Prince Charles, who promote 'Corporate Social Responsibility' (CSR) and 'Responsible Business Practice' (RBP).
		The Family insists that their requests and appeal for HBOS PLC help,* revolve around the company’s ethical investment with house building firm and property developer, Crest Nicholson Plc, who have unnecessarily caused the total destruction of their beautiful way of life and their Family’s Home, a houseboat of 14 years.
	www.indymedia.org.uk /en/2006/05/340303.html (862 words)

	About HBOS
		HBOS has the biggest private shareholder base in the UK.
		HBOS is the UK's largest mortgage and savings provider and the number one provider of new investment products.
		The Group is one of the UK's leading general insurers and has a reputation for excellence in the provision of business banking and corporate finance, delivering innovative funding solutions across a range of markets.
	www.hbosplc.com /abouthbos (121 words)

	HBOS - HBOS plc - Google Finance
		HBOS to donate 2 mln stg to Farepak relief fund
		HBOS should reimburse savers in European Home Retail's Farepak -...
		HBOS Plc: HBOS - interim results analyst presentation
	google.com /finance?q=LON:HBOS (340 words)

	HBOS plc information and related industry information from Hoover's
		Formed in 2001 when UK-based financial services company Halifax acquired Bank of Scotland, HBOS is happy to be one of the BMOC, as one of the UK’s top financial services companies and its #1 mortgage lender.
		Among the members of the HBOS family are Bank of Scotland (Ireland), credit insurer St.
		HBOS Australia oversees Bank of Western Australia (WestBank) and St.
	www.hoovers.com /hbos/--ID__53890--/free-co-factsheet.xhtml (445 words)

	Hbos Rule 8.3- Misys plc
		RNS Number:4407G HBOS PLC 19 July 2006 FORM 8.3 DEALINGS BY PERSONS WITH INTERESTS IN SECURITIES REPRESENTING 1% OR MORE (Rule 8.3 of the Takeover Code) 1.
		KEY INFORMATION Name of person dealing (Note 1) HBOS plc and its subsidiaries Company dealt in Misys plc Class of relevant security to which the dealings being Ordinary 1p disclosed relate (Note 2) Date of dealing 18 July 2006 2.
		08/12/2006 : Hbos Plc Holding(s) in Company : Balfour Beatty PLC 08 December 2006 Balfour Beatty plc ("the Company") today received notice from HBOS plc that they no longer have a notifiable interest in the ordinary share capital of the Company.
	www.advfn.com /news_rule-8-3--misys-plc_16185465.html (393 words)

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