Already highly successful brands in their own right, the merger of Halifax and Bank of Scotland in September 2001 created HBOS plc, one of the UK's most potent forces in financial services. A business with over £380 billion in managed assets - and a household name in mortgages, savings, credit cards, investments, pensions, insurance and corporate finance.

The HBOS Group consists of 5 key operating divisions:

• Retail Banking
• Treasury
• Strategy and International
• Corporate Banking
• Insurance & Investment Division

All of these operations, including the brand names that deliver their products and services to our customers (some of which are shown below), rely on a massive, fully integrated IT infrastructure. That infrastructure forms the very backbone of our business - and is managed and maintained by our 2000+ strong Group Technology team