James Crosby
James Crosby
account businesses equitable expect half profits
One consequence of the St. James's Place and Equitable transactions is that we now expect diversified businesses to account for more than half of the profits in 2001.
against clear enhance frankly large prospects struggle value
We're very clear about the prospects in the UK, and frankly large acquisitions will struggle to enhance value against those prospects.
against anybody anyone asked contribute nobody single
Nobody politicked for or against anyone ... You're not going to find a single person that said I asked them to contribute and I don't think you're going to find anybody else asked them to.
gives
It gives you better tracking, and monitoring of your whole operation.
continued department director employees friends-or-friendship pleasure region serving wish
It has been a pleasure serving as Region I director of institutions, ... I have made many friends over the years and wish you and the employees of the department much continued success.
confident creation strong value year
We are confident that 2006 will be another strong year for value creation in HBOS.
good hope immediate overall overcome problems
I hope not. I think overall he's done a good job, and I hope he can overcome any immediate problems that are out there.
bids help lobbyists
I really don't see how lobbyists help when you're working on bids like this,
both businesses challenge current financial ireland progress services year
In both Ireland and Australia, this year will see significant progress in establishing diversified financial services businesses that successfully challenge the current incumbents in those markets.
banker pin
I'm very sorry, I don't know my PIN number. I'm only a banker
gone paid places
I paid for my own ticket, ... We have not routinely gone places and done things.
benign continue credit line retail terms
Impairments have been very much in line with our expectations. This will continue in retail terms to be a very benign credit cycle,
andy chief delivered individual joined last obvious people six talented terms
It was obvious when Andy joined us that here was an outstandingly talented individual that many people thought could go all the way in terms of being a FTSE chief executive. But he has had to deliver, and he's delivered outstandingly well over the last six years for HBOS.
history largest uk
This is probably one of the largest pay-outs of its kind in UK history.