• Profit 2002 £3.06bn - up 22%
• Assets £355bn - up 14%
• 25 million customers

It's been an overnight sensation! In 2001, Halifax and the Bank of Scotland joined forces. Two great banks became one major new force, with everything to play for. The results have been stunning. Business is booming - and nowhere's booming better than Retail Banking. Comprising the high-street branches of Halifax and the Bank of Scotland, plus Halifax Estate Agency, this is more high-street retail than high-brow banking. We've got 1,000 high-street stores, some fantastic and popular products, 25 million customers and a bright and lively sales culture, so we're turning expectation on its head. Together, we're changing the face of financial services, forever. The secret lies in 'extra' special service and the star quality of our colleagues. No wonder we're open to sales focused talent, wherever you come from.

In the words of HBOS Retail Banking's Chief Executive, Andy Hornby, we're aiming for

"Great value products, coupled with transparent and honest communication, delivered by the friendliest colleagues in the industry, creating the most consumer-friendly bank in the UK."

It's not a dream or a distant vision. It's happening, and it's bringing with it huge rewards and great career opportunity.

To find out more about the HBOS business visit www.hbosplc.com