Following the merger of Halifax and Bank of Scotland on 10th September 2001, HBOS has 22 million customers.

With assets of over £540 billion, it is the UK's largest mortgage and savings provider as well as being a major player in the provision of new current accounts and credit cards in the UK.

With around 2.3 million private shareholders, HBOS has the largest private shareholder register in the UK. Profit before Tax for the year ended 31st December 2005 was £4.8 billion.

We draw on the expertise of both our in-house economists and external market researchers to provide the data and opinion that enable us to make the right decisions for our customers and our business.

This section of the site is where we can share some of that information with you. You will find our views on the global and U.K. economies, including the well-known and respected Halifax House Price Index, the annual Economic Factbook, the quarterly Scottish Economic Index and the monthly Scottish Labour Market report.

If you require any assistance, contact the HBOS Economics Help-line on 0845 604 5404.

Halifax House Price Index
Since 1984, the Halifax House Price Index has been used extensively by government departments, the media and businesses as an authoritative indicator of house price movements in the U.K.

It is based on the largest sample of housing data and provides the longest unbroken series of any similar U.K. index.