HBOS Group

A British Banking and Investment group formed by the merger of the Bank of Scotland and Halifax plc in September 2001.

The group currently trades under the following business names

• Halifax (the old Halifax Building Society)
• Intelligent Finance or IF (the Internet banking arm of Halifax
• Halifax Equitable (the old Equitable Life)
• Bank of Scotland
• Clerical Medical Investment Group
• St. James's Place Capital PLC
• Capital Bank plc
• Bank of Western Australia Limited