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flag Two Scottish NHS boards face financial collapse, needing millions in loans and reform.

flag NHS Ayrshire & Arran and NHS Grampian in Scotland face severe financial crises, requiring multi-million-pound loans to break even, with Ayrshire & Arran projecting a £33.1 million deficit for 2025-26 and holding the highest outstanding debt among NHS boards at £129.9 million. flag The Auditor General warned both boards lack sustainable financial plans, rely on unrealistic savings, and need stronger leadership and government collaboration. flag Grampian is at Stage 4 of the national intervention framework, with an improvement plan set for December 2025 approval. flag Both boards acknowledged challenges and pledged transparency, staff dedication, and recovery efforts, while the Scottish Government has not yet responded.

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