James Crosby Quotations

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.

It gives you better tracking, and monitoring of your whole operation.

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.

We are confident that 2006 will be another strong year for value creation in HBOS.

We're very clear about the prospects in the UK, and frankly large acquisitions will struggle to enhance value against those prospects.

After more than seven years as CEO, I believe the time is right for someone else to take HBOS forward. In appointing Andy, the board has chosen the best person for the job.

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.

This is probably one of the largest pay-outs of its kind in UK history.

This gives us a significant increase in our long-term savings business, ... But more importantly, it is a significant increase in the fast-growing market for high-net-worth customers, which is not a market we're very heavily exposed to through our existing businesses.

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.

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.

Impairments have been very much in line with our expectations. This will continue in retail terms to be a very benign credit cycle,

I'm very sorry, I don't know my PIN number. I'm only a banker

I paid for my own ticket, ... We have not routinely gone places and done things.

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.

I really don't see how lobbyists help when you're working on bids like this,