Who owns your bank or building society? HBOS. Bank of Scotland. Birmingham Midshires. Lloyds Banking Group. Lloyds Bank. Despite HBOS being acquired by Lloyds Bank, both HBOS and Lloyds Banking Group continue to operate under separate banking licences. TSB. Barclays. Barclays. Standard Life. HSBC. first direct. HSBC. Royal Bank of Scotland (RBS) NatWest. Ulster Bank.