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Text of the page (random words):
perth savings bank in 1965 a review of retail credit markets led to the trustee savings banks being allowed to issue current accounts with cheque withdrawals but no overdraft facilities undertake the payment of utility bills and safeguard securities and valuables 9 accordingly the tsb trust company was established in 1967 and a year later the first unit trust issue was offered citation needed regulatory innovations which allowed the tsbs to diversify their business threatened to erode the deposit base of the clearing banks but this potential diversification was limited by the restrictive central control of the exchequer the national debt commissioners and the trustee savings bank inspection committee this type of central control had been designed both to guarantee depositors that the savings banks would remain a secure alternative for their deposits and by standardising general interest rates and regulations to make it possible for local trustees to work autonomously citation needed by the early 1960s transactions at retail counters were increasing at around 5 per annum in 1964 the london trustee savings bank was the first to computerise standing orders and all account records were put on computer by 1967 this being the first uk bank to do so some other savings banks still worked with leather bound ledgers and others used passbooks either way handwritten record cards piled up in thousands and even the most basic management information and accounting such as the annual balance sheet was a huge task to compile requiring a lot of overtime the savings banks administration was thus antiquated and time consuming they needed modernization and streamlining citation needed amalgamation into a single entity edit the tsb sign at the former lombard street headquarters in the city of london in 1970 there were 75 savings banks in a loose association with 2 806 million in total assets there was a wide variation in size five of the banks each had over 100m in assets together accounting for 25 of the total 14 had between 50m and 100m 35 39 between 10m and 50m 38 and 17 under 10m 2 the largest trustee savings banks were based in london glasgow edinburgh and belfast those based in the north of england accounted for 50 of total funds while those in the south of england and wales accounted for 27 those in scotland for 19 and those in northern ireland for less than 5 geographical location of the 1 655 trustee savings bank branches was also unevenly distributed with branch density higher in parts of scotland and the north of england in 1978 there was one savings bank branch per 18 000 persons in scotland but only one per 75 000 persons in london there was a similar pattern for individual accounts with two out of five persons in scotland having an account at a trustee savings bank one out of five in the north of england but only one out of twenty in london and the home counties 10 in 1973 at the time of the report by the page committee there were still 73 tsbs 3 and 1 549 branch offices eight years had passed since the introduction of cheque accounts the tsbs sensed the need to respond to changing customer needs 11 however some individual tsbs had grown faster than others the assets of the scottish tsbs traditionally the strongest members of the tsb movement had been growing more slowly than those in lancashire yorkshire the midlands wales and the west country which had built up enviable reserves and were anxious to protect their territories london and southern england remained the areas where the savings banks had little presence 6 while savings banks and government were considering the movement s future organisational structure and functions as well as those of individual tsbs the tsbs remained restricted in what services they could offer they could not give loans to their customers and there were still limits on how funds could be invested at this critical stage the page committee recommended that the tsbs be freed from government control allowed to develop their service range and thus become a third force in banking 12 these recommendations were high on the agenda of the newly elected government of harold wilson but the pace of change was to be slow officials at the bank of england with the support of sir athelstan caröe then chairman of the trustee savings banks association called for the establishment of a strong central authority to assume many of the control powers vested in the government bearing in mind the need to build up adequate capital reserves virtually from scratch for the government there was an advantage in widening the tsbs investment powers only slowly not least the threat of competition to its own newly created bank national girobank 12 tsbs actively computerised their administration two companies were set up in 1972 in preparation for future change tsb computer services ltd co ordinated all computer systems and related developments 6 and central trustee savings bank ltd dealt with volume transactions 13 trustee savings banks act 1976 a act of parliament parliament of the united kingdom long title an act to establish a trustee savings banks central board to confer wider powers on trustee savings banks to transfer to the registrar of friendly societies certain functions previously exercised by other persons and for purposes connected therewith citation 1976 c 4 territorial extent united kingdom dates royal assent 25 march 1976 commencement various b other legislation amends pensions commutation act 1871 pensions increase act 1971 national debt act 1972 amended by building societies act 1986 repealed by trustee savings banks act 1981 status repealed text of statute as originally enacted the trustee savings banks act 1976 c 4 allowed tsbs to offer services equivalent to those of the clearing banks but it also required that in the space of one year the number of independent tsbs was reduced from 73 to 19 under the central co ordinating authority of the tsb central board 3 the 19 banks were aberdeen savings bank 14 birmingham municipal tsb 14 tsb of the channel islands 14 tsb of eastern england 14 tsb of lancashire and cumbria 14 tsb of leicester and nottingham 14 tsb of mid lancashire and merseyside 14 tsb of the midlands 14 tsb north east 14 tsb of northern ireland 14 north staffordshire tsb 14 tsb north west central region 14 tsb south east 14 tsb of south scotland 14 south west tsb 14 tsb of tayside and central scotland 14 tsb of wales and border counties 14 west of scotland tsb 14 tsb of yorkshire and lincoln 14 this organisational framework for savings banks was in place between 1976 and 1984 a period during which tsb management undertook a series of fundamental changes while pursuing the creation of independent and profitable financial services group 13 tom bryans general manager of the northern ireland trustee savings bank was the first chief executive of the newly amalgamated trustee savings banks he was in his mid 50s and had spent all his working life at the tsb movement becoming a manager in 1956 and then becoming an expert in computerised banking bryans took the helm with a mandate to turn the savings banks from a quasi government body into successful independent providers but his salary of 17 000 per annum was well below those paid at similar posts at clearing banks 6 the amalgamation of individual tsbs into purposely created regional banks and the establishment of a central board in 1975 provided the resources to support the introduction of personal lending in 1977 however attempts to diversify across retail bank markets failed together with the national giro bank and the co operative bank the efforts of the tsbs to penetrate retail finance from scratch in 1971 resulted in only 200m in direct consumer loans in 1979 which accounted for less than 3 of total consumer lending that year 6 trustee savings banks act 1985 c act of parliament parliament of the united kingdom long title an act to make provision for the purposes of or in connection with the reorganisation into companies incorporated under the companies acts of the institutions regulated by or existing under the trustee savings banks act 1981 and for the treatment for the purposes of the banking act 1979 of any scottish savings bank established before 28 july 1863 which has not since become a trustee savings bank citation 1985 c 58 territorial extent england and wales scotland northern ireland isle of man channel islands d dates royal assent 25 july 1985 commencement 25 september 1985 e other legislation amends consolidated fund permanent charges redemption act 1883 government annuities act 1929 national savings bank act 1971 repeals revokes trustee savings banks act 1981 amended by employment rights act 1996 capital allowances act 2001 statute law repeals act 2004 financial services act 2012 status amended text of statute as originally enacted revised text of statute as amended text of the trustee savings banks act 1985 as in force today including any amendments within the united kingdom from legislation gov uk in 1984 the government published a white paper and a new tsb bill in which the quasi federal decentralised structure was abandoned in favour of a single central organisation that no longer had a unique corporate status but was incorporated under the companies act 1985 3 the purported aim was to give the tsb group plc as it was called a more effective operating structure and also to establish clear ground rules on ownership and accountability neither of which was clear under former legislation airdrie savings bank refused to join the single entity and remained the only independent such bank in the uk until it announced its closure in 2017 in 1984 tsb adopted an advertising slogan by which it is still generally remembered today the bank that likes to say yes 15 in 1986 the central trustee savings bank limited was renamed tsb england and wales plc 16 and trustee savings bank plc was renamed tsb scotland plc 17 flotation edit in 1986 the shares of tsb group plc were floated on the stock market and the proceeds given to the bank adding to the ownership equity 18 a process described by one commentator who as selling people a gold box in such a way that when they opened it they found the purchase price inside 19 the original holding company trustee savings banks holdings limited continued to be registered at companies house under that name until 2013 20 the newly formed tsb group s retail banking operations were consolidated into tsb england and wales tsb scotland tsb northern ireland and tsb channel islands each trading as tsb bank in 1989 tsb england and wales officially became tsb bank with tsb bank scotland and tsb bank northern ireland becoming its subsidiary undertakings the northern irish business was sold to allied irish banks in 1991 trading as first trust bank until 2019 and the channel islands business was integrated into tsb bank in 1992 merger with lloyds bank edit tsb group merged with lloyds bank in 1995 to form lloyds tsb the merger was structured as a reverse takeover by tsb lloyds bank plc was delisted from the london stock exchange and tsb group plc was renamed lloyds tsb group plc on 28 december with former lloyds bank shareholders owning a 70 equity interest in the share capital effected through a scheme of arrangement the new bank commenced trading in 1999 after the statutory process of integration was completed 21 on 28 june tsb bank plc transferred engagements to lloyds bank plc which then changed its name to lloyds tsb bank plc at the same time tsb bank scotland plc absorbed lloyds three scottish branches becoming lloyds tsb scotland plc the combined business formed the largest bank in the uk by market share and the second largest to midland bank now hsbc by market capitalisation revival of the tsb brand edit main article tsb bank united kingdom following its acquisition of hbos in january 2009 lloyds tsb group was renamed lloyds banking group 4 in 2009 following the uk bank rescue package hm government took a 43 4 stake in lloyds banking group which later announced that in order to comply with european union state aid requirements it would spin off a part of its business under the tsb brand the new tsb business consists of all lloyds tsb scotland branches all cheltenham and gloucester branches and some lloyds tsb branches in england and wales 22 after a provisional agreement to sell the lloyds tsb scotland business to co operative banking group fell through in early 2013 lloyds decided to divest it through a stock market flotation 23 the new tsb bank began operations on 9 september 2013 24 at which time the remainder of lloyds tsb was renamed to lloyds bank see also edit banks portal allied irish banks northern ireland permanent tsb republic of ireland aberdeen savings bank airdrie savings bank birmingham municipal bank edinburgh savings bank glasgow savings bank liverpool savings bank london savings bank manchester savings bank newcastle upon tyne savings bank perth savings bank ruthwell savings bank st martin s place savings bank sheffield savings bank stockport savings bank west midland savings bank york county savings bank yorkshire bank notes edit section 38 1 section 38 3 6 section 7 1 section 7 4 5 section 7 2 references edit lloydstsb answer your questions 12 february 1998 archived from the original on 12 february 1998 retrieved 16 october 2013 tsb pc banking archived from the original on 22 january 1998 retrieved 16 october 2013 1 2 3 4 lloyds bank banking with us our history heritage who we are lloydstsb com archived from the original on 11 october 2012 retrieved 16 october 2013 1 2 renaming pdf lloyds banking group archived from the original pdf on 9 august 2011 retrieved 20 january 2009 warwick lucy 19 july 2012 q and a what the co op deal means for you ft com archived from the original on 11 december 2022 retrieved 16 october 2013 1 2 3 4 5 6 7 8 9 10 11 12 batiz lazo bernardo maixe altes j carles 1 june 2006 organisational change and the computerisation of british and spanish savings banks 1965 1985 pdf munich personal repec archive lawton c l november 1950 trustees savings banks in the twentieth century bankers magazine 1 2 horne h o 1947 a history of savings banks london oxford university press pringle r 1973 banking in britain london charles knight co revell j 1973 the british financial system london macmillan marshall i 1985 strategic issues for the trustees savings banks long range planning 18 4 39 43 1 2 trustee savings banks bill lords parliamentary debates hansard 17 february 1976 retrieved 16 october 2013 1 2 moss m and russell i 1994 an invaluable treasure a history of the tsb london weidenfeld and nicolson 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 savings banks the banker 128 1978 freedman joshua 2 november 2012 the bank that likes to say yes the lawyer legal insight benchmarking data and jobs the lawyer retrieved 15 january 2017 registered in england no 01089268 registered in scotland no sc...