Retail |
 |
Corporate
and Treasury
|
|
Insurance &
Investment |
|
International |
Profile
- HBOS's multi-brand, multi-channel Retail banking operations
- branch, telephone and internet banking
- joint venture, affinity and intermediary relationships
- estate agency
|
|
Profile
- Comprehensive range of corporate products and services
- Operating in large and diverse markets
- Range of specialist financing
- acquisitions and joint ventures
- housing and project
- assets and motor
|
|
Profile
- Investment, personal lines insurance and asset management
- Distribution and channel diversity
- Bancassurance and wealth management
- Intermediaries and partnerships
- Internet and telephone
|
|
Profile
Australia
- Multi-channel retail products and services
- Insurance and investment business
- Corporate, Commercial and Business finance
Ireland
- Business banking
- Range of mortgage products
|
Key Facts
- Nation's No.1 for retail savings with an estimated 16% market share
- Nation's No.1 for mortgages with an estimated market share of 22%
- New and switchers market share for bank accounts estimated at 25%
- 19% estimated market share of new credit card accounts
|
|
Key Facts
- Market leader in PFI/PPP
- Market leader in financing of MBOs & MBIs
- Expanding geographic reach in Europe and the USA
- Strong asset finance, leasing and motor businesses
|
|
Key Facts
- Well established in the UK personal lines market with an estimated 8.5% market share
- Leading positions in household and creditor insurance, with fast growing motor insurance business
- No.1 investment business in the UK, with market share of over 12%
- The UK’s leading bancassurer
|
|
Key Facts
Australia
- Leading position in banking in Western Australia
- Successful entry into East Coast with A$1bn in deposits raised from 10,000 new customers in three months
Ireland
- Growth in Business banking deposits and lending balances in Ireland
|
Key Financials
- Profit before tax and exceptional items up 22% to £2,059m
- Total lending to customers up 10% to £209.4bn
- Total customer deposits up 7% to £126.1bn
- Cost:income ratio improved to 44.1%
|
|
Key Financials
- Profit before tax and exceptional items up 25% to £1,376m in Corporate and up 8% to £262m in Treasury
- Corporate total lending to customers up 9% to £78.8bn
- Corporate total customer deposits up 24% to £38.6bn
- Corporate cost:income ratio improved to 27.2%
- Treasury non-interest income up 32% to £206m
|
|
Key Financials
- Profit before tax and exceptional items up 20% to £1,067m
- Insurance sales up 9% to £1.7bn
- Investment sales up 13% to £1.4bn
- Funds under management up 12% to £87bn
|
|
Key Financials
- Profit before tax and exceptional items up 17% to A$506m in Australia and up 41% to c148m in Ireland
- Total lending to customers up 15% to A$36.3bn in Australia and up 59% to c12.6bn in Ireland
- Total customer deposits up 28% to A$15.1bn in Australia and up 27% to c5.6bn in Ireland
- Cost:income ratio improved to 50.0% in Australia and 37.2% in Ireland
|
Objectives
- To deliver value and simplicity to customers
- Long-term market share target in excess of 15% in all markets in which we operate
- A disciplined approach to cost management
|
|
Objectives
- To provide tailored, innovative and added value solutions for customers
- Focus on controlled asset growth and improved returns and credit quality to create shareholder value
- To further develop our Treasury products and services
|
|
Objectives
- To deliver value-for-money products and service to customers
- To attain 15% or greater share of our chosen investment and insurance markets
- To generate profitable growth from a position of financial strength and efficiency
|
|
Objectives
Australia
- Firmly establish Customer Champion position
- Embed multi-brand strategy
- Accelerate East Coast market penetration
Ireland
- To be the No.1 Business Bank
- Expand on successful entry into retail market
|
 |
|
 |
|
 |
|
 |
