HBOS PLC financials
HBOS PLC
Country: GB Reporting currency: GBP Latest annual report: 2025-12-31
LEI:
213800RS21X7UUH5QU25 Financial statements
(GBP, as reported — unscaled; 99 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Revenue | £5.64B | £4.52B |
| Operating expenses | £3.47B | £3.33B |
| Profit before tax | £1.92B | £1.10B |
| Income tax expense | £438.0M | £245.0M |
| Profit for the year | £1.48B | £853.0M |
| — attributable to owners | £1.24B | £647.0M |
| — attributable to NCI | £237.0M | £206.0M |
| Total comprehensive income | £1.23B | £595.0M |
| Cash flow statement | ||
| Net cash from operating activities | £1.91B | £2.35B |
| Income taxes paid | £296.0M | £1.42B |
| Net cash from investing activities | -£284.0M | -£244.0M |
| Purchase of PP&E (capex) | £174.0M | £197.0M |
| Purchase of intangibles | £120.0M | £84.0M |
| Net cash from financing activities | -£1.71B | -£1.35B |
| Dividends paid | £980.0M | £1.05B |
| Balance sheet | ||
| Total assets | £338.32B | £329.92B |
| Intangible assets & goodwill | £452.0M | £452.0M |
| Cash & equivalents | £2.79B | £2.88B |
| Total equity | £17.23B | £17.21B |
| — attributable to owners | £14.63B | £14.59B |
| Non-controlling interests | £2.60B | £2.62B |
| Deferred tax liabilities | £0 | £0 |
| Derived metrics | ||
| Free cash flow | £1.74B | £2.15B |
| Net margin | 26.2% | 18.9% |
| Return on equity | 8.6% | 5.0% |
| Cash conversion ratio | 1.29× | 2.75× |
| Capex coverage | 10.98× | 11.91× |
| Other reported items | ||
| Adjustments For Decrease Increase In Other Operating Receivables | -£9.41B | -£7.32B |
| Adjustments For Increase Decrease In Other Operating Payables | £8.88B | £9.19B |
| Cash and Bank Balances At Central Banks | £2.77B | £2.85B |
| Comprehensive Income Attributable To Noncontrolling Interests | £237.0M | £206.0M |
| Comprehensive Income Attributable To Owners of Parent | £988.0M | £389.0M |
| Current Tax Assets | £373.0M | £1.27B |
| Current Tax Liabilities | £0 | £0 |
| Debt Instruments Held | £1.04B | £1.35B |
| Debt Securities | £8.93B | £8.65B |
| Deferred Tax Assets | £1.51B | £1.58B |
| Deposits From Banks | £99.0M | £179.0M |
| Deposits From Customers | £167.59B | £165.05B |
| Derivative Financial Assets | £2.21B | £3.34B |
| Derivative Financial Liabilities | £3.02B | £3.49B |
| Dividends Paid To Equity Holders of Parent Classified As Financing Activities | £980.0M | £1.05B |
| Dividends Paid To Noncontrolling Interests | £237.0M | £206.0M |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | £0 | £0 |
| Equity and Liabilities | £338.32B | £329.92B |
| Fee and Commission Expense | £330.0M | £405.0M |
| Fee and Commission Income | £687.0M | £690.0M |
| Fee and Commission Income Expense | £357.0M | £285.0M |
| Financial Assets At Amortised Cost | £328.18B | £317.27B |
| Financial Assets At Fair Value Through Other Comprehensive Income | £102.0M | £103.0M |
| Financial Assets At Fair Value Through Profit Or Loss | £253.0M | £278.0M |
| Financial Liabilities At Fair Value Through Profit Or Loss | £17.0M | £22.0M |
| Gains Losses On Cash Flow Hedges Before Tax | -£10.0M | £3.0M |
| Gains Losses On Exchange Differences On Translation Net of Tax | £2.0M | £0 |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | -£8.0M | -£5.0M |
| Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | £254.0M | £92.0M |
| Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income | £0 | -£2.0M |
| Income Taxes Refund Classified As Operating Activities | £902.0M | £1.03B |
| Increase Decrease In Cash and Cash Equivalents | -£88.0M | £757.0M |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | £0 | £50.0M |
| Increase Decrease Through Other Contributions By Owners | £9.0M | £23.0M |
| Increase Decrease Through Transactions With Owners | -£1.21B | -£1.18B |
| Interest Expense | £9.96B | £10.21B |
| Interest Paid Classified As Financing Activities | £117.0M | £140.0M |
| Interest Revenue Expense | £4.90B | £4.05B |
| Issued Capital | £3.78B | £3.78B |
| Liabilities | £321.09B | £312.71B |
| Loans and Advances To Banks | £131.0M | £111.0M |
| Loans and Advances To Customers | £312.86B | £300.79B |
| Notes and Debentures Issued | £2.12B | £2.12B |
| Other Adjustments For Noncash Items | -£76.0M | -£233.0M |
| Other Assets | £1.70B | £1.76B |
| Other Comprehensive Income | -£255.0M | -£258.0M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | -£313.0M | -£337.0M |
| Other Comprehensive Income Net of Tax Cash Flow Hedges | -£12.0M | -£2.0M |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation of Foreign Operations and Hedges of Net Investments In Foreign Operations | £2.0M | — |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | -£8.0M | -£3.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | -£237.0M | -£253.0M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -£18.0M | -£5.0M |
| Other Liabilities | £1.07B | £1.32B |
| Other Operating Income Expense | £743.0M | £466.0M |
| Other Provisions | £408.0M | £511.0M |
| Other Reserves | £11.16B | £11.18B |
| Other Revenue | £199.0M | £98.0M |
| Proceeds From Contributions of Noncontrolling Interests | £0 | £50.0M |
| Proceeds From Other Longterm Assets Classified As Investing Activities | £2.0M | £2.0M |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | £13.0M | £38.0M |
| Purchase of Financial Instruments Classified As Investing Activities | £5.0M | £3.0M |
| Recognised Assets Defined Benefit Plan | £764.0M | £1.02B |
| Recognised Liabilities Defined Benefit Plan | £72.0M | £74.0M |
| Repayments of Subordinated Liabilities | £380.0M | £0 |
| Repurchase Agreements and Cash Collateral On Securities Lent | £10.44B | £22.17B |
| Retained Earnings | -£892.0M | -£950.0M |
| Revenue From Interest | £14.87B | £14.26B |
| Share Premium | £585.0M | £585.0M |
| Subordinated Liabilities | £1.78B | £2.18B |
| Trade and Other Payables To Related Parties | £125.55B | £106.93B |
| Trade and Other Receivables Due From Related Parties | £14.15B | £15.02B |
| Trading Income Expense | £187.0M | £83.0M |
Methodology
Every line item above is a fact tagged in HBOS PLC's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (GBP), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.