International

Making growth work
harder for shareholders

Divisional Chief Executive: Colin Matthew

Australia
Profits up 17%

Ireland
Profits up 41%

Australia Profits*

*Profits before tax and exceptional items

Ireland Profits*

'HBOS Australia is now positioned to achieve significant growth'

'2004 marked another year of record success for Bank of Scotland (Ireland), with strong growth in Business and Retail banking'

IFR award
success
Commercial Mortgage
Provider of the Year
Business banking
integrated successfully
Home
At a glance
Chairman's Statement
Chief Executive's Statement
Retail
Corporate and Treasury
Insurance & Investment
International

Excellent results confirm international status

Retail initiative building
on Business banking
success in Ireland

Financial Review & Risk Management
Five Year Summary
Corporate Responsibility
The Board
Corporate Governance
Directors' Accounting Responsibilities
Report of the Board in
relation to remuneration
policy and practice
Directors' Report
Auditors' Report
Accounting Policies
Financial Statements
Shareholder Information