'An accident waiting to happen': The failure of HBOS - Parliamentary Commission on Banking Standards Contents


List of published written evidence


Written Statements

1  Guy Bainbridge, Auditor, KPMG  

2  Clive Briault, Managing Director, Retail Markets, 2004- 2008, FSA  

3  Sir James Crosby, CEO, 2001- 2006, HBOS  

4  Jo Dawson, Group Risk Director, 2005- 2006 and Group Executive Director Insurance & Investment Division, 2006- 2008, HBOS

5  Sir Charles Dunstone, Chair of Retail Risk Committee, 2006- 2008, HBOS  

6  Mike Ellis, Finance Director, 2001- 2004 and 2007- 2008, HBOS  

7  Michael Foot, Managing Director, Deposit Takers & Markets Directorate,

1998- 2004, FSA

8  Sir Ron Garrick, Deputy Chairman, SID and Chair of Corporate Risk Committee,

2006- 2008, HBOS  

9  Peter Hickman, Group Risk Director, 2007- 2008, HBOS  

10  Anthony Hobson, Chair of Audit Committee, 2001- 2008, HBOS  

11  Phil Hodkinson, Finance Director, 2005- 2006, HBOS  

12  Paul Moore, Head of Group Regulatory Risk, 2003-2004, HBOS  

13  Andy Hornby, CEO, 2006- 2008 and CEO Retail and Chief Operating Officer,

2001- 2006, HBOS  

14  Lindsay Mackay, CEO Treasury, 2006- 2008, HBOS  

15  Colin Matthew, CEO International, 2005- 2008, HBOS

16  George Mitchell, CEO Corporate, 2001- 2006 and CEO Treasury, 2004- 2006, HBOS  

17  Richard Powell, formerly of the Bank of England  

18  Lord Stevenson, Chairman, 2001- 2008, HBOS

19  David Strachan, Director, Major Retail Groups, 2006- 2008, FSA  

20  Financial Services Authority official  

HBOS Executive Committee Minutes

21  7 May 2002  

22  20 January 2004  

23  17 May 2005  

24  5 - 6 June 2006 (away-day)  

25  17 October 2006  

26  31 October - 1 November 2006 (away-day)  

27  14 September 2007  

28  18 September 2007  

29  23 October 2007  

30  25 - 26 October 2007 (away-day)  

31  22 April 2008  

HBOS Board Minutes

32  26 November 2002  

33  24 June 2003  

34  28 October 2003  

35  27 January 2004  

36  24 February 2004  

37  23 March 2004  

38  18 May 2004  

39  22 June 2004  

40  27 July 2004  

41  1 March 2005  

42  24 May 2005  

43  25 July 2006  

44  22 May 2007  

45  30 October 2007  

46  1 April 2008  

47  28 May 2008  

Approved corporate facilities

48  Corporate banking advances over £20 million, September 2002  

49  Corporate facilities over £75 million, September 2005  

50  Corporate facilities over £75 million, September 2008  

FSA documentation and regulatory correspondence

51  Letter from the FSA to James Crosby dated 24 December 2002  

52  Letter from James Crosby to the FSA dated 12 March 2003  

53  Letter from the FSA to George Mitchell dated 11 December 2003  

54  Letter from George Mitchell to the FSA dated 9 January 2004  

55  Letter from the FSA to James Crosby dated 13 January 2004  

56  MRDG ARROW Panel minutes 8 December 2004  

57  Letter from the FSA to James Crosby dated 21 December 2004  

58  Letter from the FSA to Andy Hornby dated 29 June 2006  

59  Letter from Lord Stevenson to the FSA dated 26 June 2007  

60  Evaluation of progress against ARROW assessment dated October 2007  

61  Email from Lord Stevenson to Sir Callum McCarthy dated 13 November 2007  

62  Letter from the FSA to Andy Hornby dated 21 December 2007  

63  Letter from Lord Stevenson to Sir Callum McCarthy dated 18 March 2008  

64  Draft letter re. HBOS ARROW risk assessment dated March 2008  

65  Letter from the FSA to Andy Hornby dated 22 April 2008  

66  Letter from Andy Hornby to the FSA dated 1 August 2008  

67  Letter from the FSA to Peter Cummings dated 17 October 2008  

68  Financial Services Authority's Risk Mitigation Programme H2 2008  

69  Peter Cummings, CEO Corporate, HBOS, 2006-2008 representations to the Regulatory Decisions Committee  

The following evidence is available at www.parliament.uk/bankingstandards.

HBOS Group Business Plans and other reports

70  Five Year Funding Plan 2003  

71  Funding the Business Plan 2004 - 2008  

72  HBOS Group Business Plan 2002 - 2006  

73  HBOS Group Business Plan 2003 - 2007  

74  HBOS Group Business Plan 2005 - 2009  

75  HBOS Group Business Plan 2006 - 2010  

76  HBOS Group Business Plan 2008 - 2012  

77  PwC Report on s.166  




 
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Prepared 5 April 2013