HBOS plc is a banking and insurance company in the United Kingdom, a wholly owned subsidiary of the Lloyds Banking Group having been taken over in January 2009. It is the holding company for Bank of Scotland plc, which operated the Bank of Scotland and the Halifax brands; HBOS Australia, and HBOS Insurance & Investment Group Limited, the group's insurance division. HBOS was formed by the 2001 merger of Halifax plc and the Governor and Company of the Bank of Scotland, and the formation of HBOS… (More on Hbos)