A History of Banks for Savings in Great Britain and Ireland

by William Lewins

• Declaration, origin of the subscribing of the Savings Banks, [59];
  • is an unnecessary limitation, [342].
• Defects of Savings Bank system, [266]-8;
  • of the Post Office Bank system, [342]-4.
• Deposits: limit of the amount of, [53];
  • altered in 1824, [59];
  • average amount of, in Post Office Banks, [320];
  • acknowledgment of, in Post Office Banks, [330]-1;
  • limit of the total amount of, in Post Office Banks unnecessary, [342]-3;
  • may be made available for paying premiums on Government Life Insurances, [367].
• Depositors: defrauded, several members speak in behalf of, [150];
  • number of, in Post Office Banks, [315];
  • character of, in the same, [319];
  • analysis of, in the same, [321];
  • increase of, in the same, [320];
  • number of Post Office Banks failing to obtain, [321];
  • how they must proceed in Post Office Banks, [329] et seq.
• Disraeli, Mr. M.P. speaks of Savings Bank legislation, [155].
• Distribution of Savings Banks, the irregular, [236].
• Douglas, Mr. M.P. introduces a bill to regulate Scotch Savings Banks, [57].
• Duncan, Dr. Henry, of Ruthwell: Founder of Savings Banks, [28];
  • early life, [29];
  • literary pursuits, [30];
  • proposes Parish Banks, [32];
  • establishes the Ruthwell Bank, [33];
  • assists in the establishment of other banks, [33]-4;
  • writes an Essay on Savings Banks, [34];
  • his death, [57];
  • advises Government encouragement and protection, [57];
  • corresponds with Mr. Douglas on the subject, [58].

E.

• “Edinburgh Review,” 1807, on Mr. Whitbread's proposals, [24];
  • on Savings Banks, [28], [380].
• Edinburgh Savings Bank, the original 40-43; many banks are formed
  • on its model, [41].
• Education, improvement in systems of, [6].
• Employers of labour: recommended to consider a scheme of Life Insurance at work at the Post Office, [369];
  • how they may assist their workmen in the same way, [370]-1;
  • their duty to their workmen, [386];
  • their influence, [389]-90.
• Equalization of interest in different banks, [339]-40.
• Estcourt, Mr. Sotheron, and Savings Banks, [162]-3;
  • is appointed Chairman of Committee of 1858, [164];
  • speaks on failures in legislation, [176];
  • assists in bringing in a bill, [179];
  • opposes Post Office Banks, [300];
  • on Government Annuities scheme, [359]; [361]-2.
• Exeter Savings Bank, establishment of, [26].
• Expenses of different banks, [264].

F.

• Facilities, absence of, in Savings Banks, [239];
  • not proportioned according to population, [240];
  • increase of, [371].
• Farquhar, Sir Minto, on the Government Annuities Bill, [359]; [362].
• Financial crisis of 1826: description of, [92];
  • consequences of the, [93], [94].
• Fletcher, Rev. H. S. and his frauds at Bilston, [208] et seq..
• Frauds in Savings Banks: Cuffe Street, [111] et seq.;
  • Hertford Bank, [118];
  • Tralee Bank, [184] et seq.;
  • Killarney Bank, [191] et seq.;
  • Auchterarder Bank, [193]-4;
  • Rochdale Bank, [203]-4;
  • Brighton Bank, [204] et seq.;
  • Mr. W. H. Grey on, [207]-8;
  • at Newport, Isle of Wight, [208];
  • Bilston Bank, [208] et seq.;
  • Canterbury Bank, [218] et seq.;
  • return of, [223];
  • Worcester Savings Bank, [225] note;
  • the remedy for, [225];
  • the result of, [231].
• Friendly Societies: benefits of, compared with those from Savings Banks, [69]; [85]-6;
  • disputes between, [80];
  • oppose the Government Insurance measures, [351];
  • unsound societies, [353];
  • Mr. Gladstone on, [354]-5;
  • failure of, [356];
  • defended by Mr. Sheridan, [357].
• Frugality Banks proposed by Bentham, [271]-2.

G.

• Gladstone, Mr., his connexion with the subject, [156];
  • introduces a bill into Parliament in 1853, [157];
  • withdraws it, [158];
  • obtains leave to introduce further measures in the session of 1855, [158];
  • speaks on the Government use of Savings Bank money, [159];
  • introduces a bill relating to the investment of the same, [175];
  • the bill is lost, [177];
  • re-introduced and carried, [181];
  • his connexion with Post Office Savings Banks, [179]-80;
  • considers Mr. Sikes's proposals, [288];
  • urges the preparation of some such plan on the Post Office authorities, [291]-2;
  • brings in a bill to establish Post Office Banks, [294] et seq.;
  • speaks on the second reading, [301];
  • again, in Committee, [304];
  • answers objections to and questions concerning the bill, [305]-6;
  • as author of the bill, [312];
  • on the interest given in Post Office Banks, [340];
  • introduces his Annuities and Insurance scheme, [350];
  • defends his plans in a long speech, [353]-7;
  • consents to the appointment of a Select Committee, [361];
  • carries his measure through the House, [362].
• Göschen, Mr., M.P., on the Government Annuities Bill, [360], [361].
• Goulburn, Mr., incident in connexion with his official life, [66];
  • opposes the reduction of the interest rate, [78];
  • brings in a bill to amend the law, in 1844, [122];
  • proposes a reduction of the interest rate, [124];
  • assists the whigs in evading a full inquiry, [137];
  • on Savings Bank money, [172].
• Government Banks, proposals for, chap. VIII. [269] et seq..
• Government and Savings Banks—its loss from Savings Banks, [74], [146];
  • its gain from the use of Savings Bank money, [174]; [268];
  • makes good the loss from fraud, in one case, [141].
• Government employés and provident habits, [387]-8.
• Greaves, Samuel, and the Canterbury Bank fraud, [218] et seq..
• Guarantee Fund, first proposed by Mr. Sikes, [258].

H.

• Habits of workmen, improvements in, [10]; [385];
  • still need improvement, [390].
• Hamburg, Savings Banks in, [18].
• Hamilton, Rev. G. H. proposes Postal Banks, in 1852, [278];
  • proposes that the Limitation clause be extended, [343].
• Hancock, Dr., writes on Savings Banks, [235];
  • referred to in connexion with, [256]-7;
  • his connexion with Postal Banks, [275]-6;
  • approves Mr. Sikes' plan, [288].
• Hatton, Mr., a witness before the Committee of 1858, [165];
  • investigates the Reading and Brighton frauds, [204]; [206].
• Haworth, George, and the Rochdale frauds, [195] et seq..
• Herbert, Mr. H. A., M.P., speaks upon Irish Bank frauds, [157]-9;
  • moves a resolution disapproving the conduct of the Government in relation to Savings Banks, [154].
• Hertford Savings Bank: origin of the, [27];
  • defalcations in, [118];
  • account of the fraud, [119];
  • discussion in the House of Lords concerning the fraud, [120];
  • again, [310].
• Hill, Sir Rowland, on Mr. Sikes's plan, [286]; [301].
• Hindrances to the usefulness of Savings Banks, [105];
  • frauds in Savings Banks, chap. VI. p. [183] et seq..
• Hume, Mr. Joseph: his first speech on Savings Banks, [61];
  • calls for a return, [63];
  • speaks of the Government loss from Savings Banks, [62], [76];
  • on the Surplus Fund, [64];
  • speaks on the rate of interest, [74]; [129];
  • anecdote of, in connexion with Sir R. Peel, [129];
  • speaks in favour of Sir Charles Wood's bill of 1850, [149]-50.

I. J. K.