keywords: abbey hbos crosby santander bid
text: HBOS #39;s Crosby Shuns Abbey, Gives Santander 18 Million Clients James Crosby, chief executive of HBOS Plc, said yesterday he decided not to bid for Abbey National Plc, HBOS #39;s largest mortgage-banking rival, because cold analysis in the head #39; #39; told him not to.