Executive Summary
Bank form following the merger of Halifax and Bank of Scotland on 10th September 2001, HBOS has 22 million customers. With assets of over T?440 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. With around 3 million private shareholders, HBOS has the largest private shareholder register in the UK.
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