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A Halifax (formerly part of HBOS, which

A Halifax (formerly part of HBOS, which merged with Lloyds TSB to form the Lloyds Banking Group) logo is pictured in central London on February 27, 2009. Britain's Lloyds Banking Group, 43-percent state owned after a bailout, said Friday its HBOS unit made a pre-tax loss of 10.8 billion pounds (12.1 billion euros, 15.4 billion dollars) in 2008. It was a record loss for HBOS, which has been slammed by the global credit crunch, soaring bad debts and a recession in Britain. HBOS had posted pre-tax profits of 5.5 billion pounds in 2007. AFP PHOTO/Shaun Curry (Photo credit should read SHAUN CURRY/AFP via Getty Images)
A Halifax (formerly part of HBOS, which
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