HBOS Australia Pty., Ltd., through its subsidiaries, provides financial services in Australia. It comprises four companies: Bank of Western Australia, Ltd. (BankWest); Capital Finance Australia Limited (Capital Finance); St Andrew's Australia Pty, Ltd. (St Andrew's); and BOS International (Australia), Ltd. (BOS International). Bank of Western Australia, Ltd. (BankWest), a full service bank, offers services in international banking, equipment finance, project finance, and financial markets, including foreign exchange, money market, and bullion. It serves its customers through a network of branches, agencies, and electronic banking facilities, as well as telephone and Internet banking services. Capital Finance Australia Limited (Capital Finance) provides personal, business, and property finance products in Australia. St Andrew's Australia Pty, Ltd. (St Andrew's) provides consumer credit insurance, life insurance, and investment advice. BOS International (Australia), Ltd. (BOS International) provides and arranges funding structures in the corporate, property, acquisition, project, and infrastructure markets. The company is based in Sydney, Australia. HBOS Australia Pty., Ltd. operates as a subsidiary of HBOS PLC.
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