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Our strategy has five key elements to create value

What we do

Our Corporate Responsibility approach focuses on best serving the diverse interests of our key stakeholders.

Our stakeholders

HBOS has over 23 million customers. We have 2.1 million shareholders, over 74,000 colleagues and many thousands of suppliers. We are committed to these groups and to society in general.

A better return

Our primary responsibility is to run our business successfully, on behalf of our owners. That means increasing the value of our shares and paying higher dividends. We aim to do so by consistently offering our customers - many of whom are our shareholders - a better deal.

Our approach

We offer customers competitive and transparent products. We seek to manage risk robustly; to recognise and proactively manage our environmental and social impacts; to take into account the needs of our shareholders, customers, colleagues, suppliers and society in general.

Commitments

The Way We Do Business (‘WWDB’) statement is our commitment to our stakeholders about the standards and values we aspire to deliver. We are the only major bank to support our statement with Key Performance Indicators (‘KPIs’) which both define and measure progress towards goals that are critical to our success. In 2006, we identified the 28 most critical indicators and will report on these in our Corporate Responsibility (‘CR’) report.

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Our strateg has five key elements to create value