Bank Of Scotland

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The Bank of Scotland operates throughout the world and is in fact the oldest surviving bank throughout the whole of the United Kingdom. The Bank of Scotland has a history which dates back to the 17th Century and remains the only commercial institution created by the parliament of Scotland in existence. It proudly carries on the tradition of printing its own banknotes, the first Bank in Europe to perform this function.

More recently, since 10 September 2001 the Bank of Scotland merged with the Halifax Group (Formally the Halifax Building Society) to form the HBOS (HBOS stands for Halifax Bank of Scotland) HBOS is a public limited company that is listed on the FTSE 100 index and it also owns a 50% stake in Sainsbury’s Bank – the remaining 50% owned by J Sainsburys PLC.

Since the merger in 2001, HBOS has grown into the fourth largest bank in the United Kingdom by market value, and the UK’s biggest mortgage lender.

The HBOS group has given rise to greater financial backing and a stronger market force. Both companies are marketed individually (except in Scotland where all branches fall under the Bank of Scotland) with different financial products on offer.