1437:
Measure B was able to gain 44 percent of the vote, although the measure did not pass. In light of the fact that many progressive ballot issues that challenged well-funded business interests routinely get buried by 3–1 margins, this strong showing was all the more impressive. The Los
Angeles Times Editorial Board called a public bank "risky, expensive and a potential waste of tax dollars," while a contributing writer to the Los Angeles Times Opinion and executive editor of the American Prospect highlighted the success of the Bank of North Dakota and the 250-year old German public banking system in the growing support for a public bank in Los Angeles, stating "No serious look at L.A.'s housing supply or its small-business climate would give anyone the impression that our existing mega-banks are interested in making the city great again. That will require a dedicated commitment to local investment... Any new public enterprise is likely to encounter such obstacles. Newness has been California's stock in trade since its founding, and when accompanied by talent and judgment, innovation has produced many of the state's signature enterprises."
1433:, and addressing infrastructure and housing needs for localities." AB 857 was conceived of by the California Public Banking Alliance, a grassroots network of activists representing 10 California cities, and introduced in the legislature by Assemblymembers David Chiu and Miguel Santiago on February 19, 2019. AB 857 received wide popular support with 180 major labor unions, civic, community organizations, and the California Democratic Party endorsing the bill. In a show of support by local governments, 17 California cities and counties passed local resolutions to endorse AB 857, the Public Banking Act, including: the cities of Los Angeles, San Diego, Oakland, Long Beach, Santa Rosa, Beverly Hills, Berkeley, Richmond, Santa Cruz, Huntington Park, Eureka, and Watsonville, the Counties of Alameda and Santa Cruz, and the City and County of San Francisco.
1473:, or payment from a borrower or deposit-taking institution to a lender or depositor, increases the overall costs of goods and services. Critics of high interest payments say that 35% to 40% of the money paid for goods and services actually goes to interest payments to finance the chains of supply, production, and distribution necessary for delivery of products. Governments pay similarly high rates of interest for capital projects such as infrastructure and schools. Thus, public banks, which do not need to charge high interest rates the way private banks must do in the service of shareholders, would arguably lower the cost of interest on public projects, and on those private endeavors a public bank was directed to support.
1114:) were charitable institutions of credit that lent money at low- or no-interest, upon the security of objects left in pawn, with the stated aim of protecting clients from usury. Profits were used to pay employees and extend the scope of their charitable work. The institutions took the form of either autonomous entities or municipal corporations. Periodically, net profits from interest were applied to the entities' capital reserves, with surplus profit being used to lower interest rates in the subsequent cycle.
1185:
increased competition from online lenders. Writing for the Public Policy
Institute for Wales, Craig Johnson similarly argues that Sparkassen banks have had problems producing profits because of its inability to give robust returns to savers. However, Ellen Brown writes that the Landesbanken and Sparkassen have supplied local economies in Germany with liquidity when private banks stopped lending and instead engaged in risky behaviors, helping cause the 2008 global economic downturn.
57:
1128:(established 1401 in Barcelona), designed to draw deposits away from private banks and finance short-term debt; the first and second Banco di San Giorgio (1408 and 1530), with mission statements reflecting goals of extinguishing public debt and steering banking practices to the public good; the Banco della Piazza di Rialto, Venice (1587) to pay public debts; and the Banch de la Ciutat (1609), allowing the limited use of inferior coinage by the general public.
1232:
1831, over 400 banks had been chartered through acts of specific legislation in the 24 existing states. In many instances, legislatures made policy decisions about the types of loans and credits these banks were to provide. Some of these state-run institutions duplicated the success of colonial assembly land banks in meeting government expenses. For example, the
Georgia Central Bank covered all the state's expenses from 1828 to 1842.
1240:
in a bank's governance, its representation on the board of directors ranged from minimal to a majority plus public selection of the president. The capital of state banks consisted of various combinations of specie, mortgages on land and slaves, and bonds issued by the chartering state, other states, or the United States. Banks were authorized to provide different proportions of commercial versus real estate and agricultural loans.
2127:
1513:, opens that book by declaring that Congress has historically struggled with the reality that banks create money and that money itself arises "in an institutionalized decision process." This became apparent to the directors of the Bank of Amsterdam in the 17th century, when they realized that loaning out deposits created money for borrowers while the same amount still sat in the accounts of the original depositors.
1300:
loans originated by community banks, with partial funding by BND. This allows BND to expand the lending capacity of North Dakota's community banking industry and reduces the role of out-of-state banks in North Dakota's financial system. BND also funds disaster and farm relief, public infrastructure, schools, and student loans. Interest payments are annually paid back to the state in the form of dividend payments.
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1310:'s New England Public Policy Center argued in a report in 2011 that North Dakota's model was inapplicable to Massachusetts, which has a much larger population and more complex lending needs. They argue that the costs of starting up a state-owned bank "could be significant," requiring "funds roughly equal to one-fifth of the state's general obligation debt." They also conclude that certain
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1008:; protect and aid local banks; offer banking services to people and entities underserved by private-sector banking; and promote particular kinds of economic development reflecting polities' shared notions of social good. The 2015 Addis Ababa Financing for Development Action Agenda noted that public banks should have an important role in achieving the new
1441:
million and $ 3.9 billion, but highlights "t is important to note that the length of time a model projects for annual bank breakeven depends on a variety of factors such as expenses, revenue, and growth rates. Adjusting any of these levers can shorten or lengthen the time it takes for the bank model to break even for the year for the first time.
1012:. Increasingly, major international financial institutions are recognising the positive and catalytic role public banks can serve in the coming low carbon climate resilient transition. Further, international NGOs and critical scholars argue that public banks can play a significant role in financing a just and equitable
1211:
farmland and education for veterans, funded infrastructure, airports, and technology, and helped the government establish pensions and
Medicare. Beginning in the 1960s, the Bank of Canada began restricting the nation's monetary supply to curb inflation, and by 1974 the bank was no longer lending to the government.
1571:
Banking
Institute has argued that Calabria's conclusions are based on research that doesn't incorporate the Bank of North Dakota; that Calabria doesn't compare the performance and corruption histories of public banks to private banks, and that he uses an insufficient number of examples to reach his conclusions.
1482:
School argues that the belief that banks are mainly intermediaries between savers and borrowers is false. Rather, the capacity to lend at a rate not strictly tied to a bank's deposits is, for
Hockett, a reason for the function of banking to be a public utility instead of a strictly private enterprise.
1574:
Researchers at the John F. Kennedy School of
Government Department of Economics at Harvard University, Rafael La Porta, Florencio Lopez-de-Silanes, and Andrei Shleifer noted in a 2000 paper that government ownership of banks is pervasive around the world and in particular countries with low levels of
1570:
finance's mismanagement. Calabria also argues that the Bank of North Dakota's success is exaggerated and that public-sector banking decreases economic growth. He concludes, "When the government owns the banks, lending decisions become increasingly driven by politics rather than economics." The Public
1239:
Between the two extremes of mostly private commercial banks and almost entirely public state central banks there existed just about every arrangement imaginable. The state shared in ownership of some banks but not in governance (beyond specifying the banks' constitutions). When the state was involved
1059:
Public banks come in a variety of models. A public bank might be capitalized through an initial investment by the city or state, as well as through tax and fee revenue. A public bank, like a private bank, can take tax revenues and other government income as deposits, create money in the form of bank
1481:
Banks are often held to be mere financial intermediaries, taking deposits and lending money from those deposits. Others disagree with this view and point out that banks create money through lending, and that banks lend far more than their deposit base. For example, Robert C. Hockett of
Cornell Law
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was closed, states scrambled to establish fully public or partially-public banks. There was considerable variation on how much public and how much private was in their design. In nearly all cases, state legislatures created central banks to provide money and regulate other banks in their states. By
1436:
In 2018, the Los
Angeles City Council introduced Measure B, a ballot measure to allow Los Angeles to form a municipal bank. The Measure B campaign was led by Public Bank LA, a volunteer organization advocating for a Los Angeles municipal bank. With only four months to organize and limited funding,
1131:
In the rest of Europe, the Bank of
Amsterdam (1609) set out to simplify and standardize coins and other exchange and was soon joined by other Dutch exchange banks, many of which survived well into the 19th century. In Germany and Switzerland, many municipalities formed banks between the fifteenth
1299:
Today, the BND plays an integral role in North Dakota's economic development. Its mission is to "promote agriculture, commerce, and industry" and "be helpful to and assist in the development of... financial institutions... within the State." Half of its loan portfolio is business and agricultural
1064:
to pay, and so can pass the low rates onto borrowers such as public agencies, local businesses, residents, and students. At the same time because much of a public bank's funding comes from state deposits that would otherwise earn more from a private bank, there is a hidden subsidy that acts as a
1528:
economists, for example, emphasize that only one party at a time can have a legitimate claim on the same unit of deposit. Those who deny that banks create money may argue that the process of lending gives the outsider the false appearance of money creation due to the recording of the same asset
1440:
In March 2019, the San Francisco Office of the Treasurer & Tax Collector published a 151-page feasibility study for a public bank. The study analyzed three approaches to start a public bank in San Francisco, with an estimated appropriation required to for the bank to break even between $ 184
1219:
In the 17th and 18th centuries, governing colonial assemblies in the thirteen colonies began taking on the lending functions of banks to generate revenue and finance farming and development. The governments would establish offices called "land banks," and would issue and lend paper currency. The
1210:
was nationalized in 1938 with a mandate to lend to the federal government and the provinces. This lending made public debt interest-free. In the Second World War, the Bank of Canada financed a large war effort, helping create the world's third largest navy. Following the war, the bank subsidized
1024:
According to the Public Banking Institute, " Public Bank is a chartered depository bank in which public funds are deposited. A Public Bank is owned by a government unit—a state, county, city, or tribe—and mandated to serve a public mission that reflects the values and needs of the public that it
1328:
Between 1932 and 1957, a government corporation in the United States called the Reconstruction Finance Corporation (RFC) provided financial support to state and local governments and made loans to banks, railroads, mortgage associations, and other businesses. RFC loans were "self-liquidating,"
1184:
Finance writer Frances Coppola argues that Germany's Landesbanken are in various stages of "zombification," inefficient and poorly profitable, following the global economic crisis of 2008. Coppola also argues that the Sparkassen banks are suffering from low returns to savers, low profits, and
1180:
Sparkasse executive vice president Wolfram Morales has pointed out that public banks played a major role in Germany's transition from centralized fossil fuel energy to diverse renewables, and that Germany's Sparkassen banks have been significant contributors to the renewables transition.
1485:
Banks hold less in reserve than their deposit liabilities, but those deposit liabilities are also functionally money. Thus, the very practice of fractional reserve banking grows the money supply beyond banks' deposit bases. Nations' central banks attempt to regulate that growth through
1161:
studies, the German public banking system controls 40% of total banking assets in Germany. According to the Association of German Public Banks (VOB), the total assets of public banks in Germany at the end of 2016 was 2,900 billion euros, and German public banks have 75,000 employees.
1281:, or NPL, whose platform was "public ownership of economic infrastructure." Limited access to credit exacerbated farmers' crises in the latter years of the 19th century and was instrumental to agrarian populist revolt. In response to price manipulation and market domination from
1076:
Public savings banks, such as postal banks, typically offer individual savings accounts, savings bonds, remittances and other services. Around three out of four postal systems worldwide offer such banking services, and such a system existed in the United States from 1911 to 1967.
1532:
Other scholars and authors qualify their belief that banks create money by following up with an account of what happens to that money when loans are repaid. Thus, Mcleay, et al. point out: "Just as taking out a new loan creates money, the repayment of bank loans destroys money."
1050:
are private entities collectively owned by their members. In the United States, federal law forbids credit unions from making commercial loans that exceed 12.25% of their total assets. This effectively prevents credit unions from operating as mainly credit-issuing institutions.
1424:
The California state legislature approved AB 857 (the Public Banking Act) on September 13, 2019. On October 2, 2019, Governor Gavin Newsom signed AB 857 into law. AB 857 allows local governments to start their own public bank - specifically, to "authorize the lending of
1575:
per capital income and underdeveloped financial systems. The researchers wrote "that higher government ownership of banks is associated with slower subsequent development of the financial system, lower economic growth, and, in particular, lower growth of productivity."
1068:
Public banks can also partner with (underwriting or guaranteeing the loans of) local banks to fund projects that might otherwise go unfunded. Such partnering with local banks leads practitioners of public banking to say, like Bank of North Dakota President
1220:
loans would return on a regular payment schedule to prevent inflation and ensure adherence with English sterling. The low taxes resulting from these public finance mechanisms were partly responsible for the rapid economic expansion of the colonies. The
3438:
3331:
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and the present time, many states attempted to create public banks through referendums or legislation. These attempts were often opposed by state chambers of commerce and other private financial interests, such as in the 1970s when the
1547:
Svetlana Andrianova, Pancios Demetriades, and Anja Shortland use data from several countries for 1995-2007 and conclude that a high degree of government ownership of banks facilitates faster growth than little government ownership.
1516:
Professor Richard Werner of the University of Southampton has utilized empirical research to conclude in favor of the credit creation theory, and that "banks can individually create money out of nothing." Two former members of the
1197:
of Australia was established by the Commonwealth Bank Act and opened in 1911. Prior to privatization (the bank became fully privatized in 1996), the bank could issue the credit of Australia to citizens in the form of loans.
2833:
4563:
1094:, temples provided and oversaw weights and measures critical to exchange. The expanded legal regime of Mesopotamia included price administration and fixed interest rates set by public custom, such as one shekel per
1033:
in that the latter is government ownership of the means of production, whereas public banking involves government oversight of the credit and debit system that facilitates economic exchange, including that of
1060:
credit, and lend at very low interest rates. Where private banks are committed by their business model to take advantage of low interest rates by charging higher rates to borrowers, a public bank has no
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1405:, because of the complications in cannabis-related banking deposits and financial transactions, has led to calls for state- and city-owned banks to serve cannabis businesses, culminating in the
2701:
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have explained that, rather than banks receiving and then loaning deposits specifically, banks loan money, creating matching deposits in borrowers' bank accounts, thus creating "new money."
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1539:
and others from the New Economy Working Group argue that the power to create and allocate money ought to be decentralized and democratized by making such power reside in community banks.
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Many kinds of church banks served as early public banks. In their essay on the history of credit, Elise Dermineur and Yane Svetiev say that church structures "(abbeys, convents,
4646:
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1248:). These banks, like the Bank of North Dakota later, were owned entirely by the state, governed by legislatively-appointed officials, and banked on the credit of the state.
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meaning that they drew revenue from the income streams created by the loans, such as the tolls from RFC-financed bridges and tunnels. RFC-financed projects included the
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and east coast banks made considerable efforts to undermine the BND. In 1931 and 1932, delinquencies on the bank's debts were sixty six percent of the total due.
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to public banks and authorize public ownership of stock in public banks for the purpose of achieving cost savings, strengthening local economies, supporting
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twice, once as a deposit entry and once as an asset account entry. Rather, the two figures are transactional representations of the same unit of money.
1244:
At least two state banks were entirely publicly owned: the Vermont State Bank, and the Bank of Kentucky (which was later replaced by the equally public
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in capitalist and socialist countries alike; as late as 2012, state banks still owned and controlled up to 25 per cent of total global banking assets.
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2723:"Bundesverband Ă–ffentlicher Banken Deutschlands, VĂ–B, e.V. - Association of German Public Banks (Bundesverband Ă–ffentlicher Banken Deutschlands, VĂ–B)"
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982:, municipality, or public actors are the owners. It is an enterprise under government control. Prominent among current public banking models are the
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Concerning the various state-owned or state-involved banks in the United States during the first half of the 19th century, Susan Hoffmann writes:
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1224:, chartered in 1793, allowed the state to use its dividends to finance government expenses without any direct taxes for the next 40 years.
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Vossmeyer, Angela (May 2014). "Treatment Effects and Informative Missingness with an Application to Bank Recapitalization Programs".
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Proponents of public banking argue that policymakers can create public-sector banks to reduce the costs of government services and
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are public savings banks operated with a mandate of public service and local development. Anyone can open a personal account in a
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Sprinkel, Beryl Wayne (October 1952). "Economic Consequences of the Operations of the Reconstruction Finance Corporation".
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2439:"Postal Banking Worldwide: Lessons for deepening financial inclusion and ensuring long-term viability of postal operators"
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1140:(1619) was a public bank based on the Amsterdam model but with an expanded credit role and a grain store for the city.
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doing business as the Bank of North Dakota. The state and its agencies are required to place their funds in the bank.
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in 2019. The act would allow public banks to exist, clarify how they would run, and require them to incorporate as a
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1121:) could extend credit and recorded the transactions in their own account books. Parish wards also extended credit."
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3086:"Lost in Transposition? (A Cautionary Tale): The Bank of North Dakota and Prospects for Reform in American Banking"
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Public or 'state-owned' banks proliferated globally in the late 19th and early 20th centuries as vital agents of
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Canada and the Cost of World War II: The International Operations of Canada's Department of Finance, 1939-1947
3126:"Land and Credit: A Study of the Political Economy of Banking in the United States in the Early 20th Century"
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2582:"The Fairness of Contractual Exchange in a Private Law Society: A Case Study of Early Modern Credit Markets"
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4556:"Big Banking Interests Push Back, Part Two: Wall Street Interests Deceive the People about Public Banks"
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1) La Porta 2) Florencio Lopez-De-Silanes 3) Andrei Shleifer, 1) Rafael 2) Florencio 3) Andrei (2002).
1942:
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city council stated that "our municipal bank is being founded to benefit the public good." The Bank of
4034:"8. Bank Interests Inflate Global Prices by 35 to 40 Percent - Top 25 Censored Stories from 2012-2013"
3205:"The Law of Hard Times: Debtor and Farmer Relief Actions of the 1933 North Dakota Legislative Session"
1289:, the NPL advocated state control of mills, grain elevators, banks and other farm-related industries.
1073:, that public banks are partners, rather than competitors, with local private financial institutions.
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1521:, Chari and Phelan, refer to the process of fractional reserve banking as "private money creation."
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Handbook of Research on Comparative Economic Development Perspectives on Europe and the MENA Region
2020:
2001:
1977:
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In 2016 and 2017, several candidates nationwide ran on public banking platforms, with some, like
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2929:"The Bank of Canada Should Be Reinstated To Its Original Mandated Purposes – Canadian Dimension"
4270:"Can banks individually create money out of nothing? — The theories and the empirical evidence"
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1501:
Acceptance of the view that banks create money is widespread. Authors writing on behalf of the
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3921:"Editorial: A public bank would be risky, expensive and a potential waste of taxpayer dollars"
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2900:"Escaping the Sovereign Debt Trap: The Remarkable Model of the Commonwealth Bank of Australia"
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requirements, although most advanced economies today have deprioritized reserve requirements.
1450:
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The Bank of North Dakota (BND) is a state-owned and state-run financial institution, based in
1194:
1143:
Currency-issuing public banks later appeared in Sweden, England, France, Vienna, and Prussia.
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might call for "establishing a public bank that differs from the one in North Dakota . . . "
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Some scholars and authors disagree with the argument that banks create money by lending it.
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In 2017, the Bank of North Dakota recorded record profits for the fourteenth year in a row.
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1381:, achieving victory. A renewed interest in municipal public banks has driven movements in
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Marois, Thomas (2016). "State-Owned Banks and Development: Dispelling Mainstream Myths".
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Politics and Banking: Ideas, Public Policy, and the Creation of Financial Institutions
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Politics and Banking: Ideas, Public Policy, and the Creation of Financial Institutions
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Politics and Banking: Ideas, Public Policy, and the Creation of Financial Institutions
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Politics and Banking: Ideas, Public Policy, and the Creation of Financial Institutions
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Politics and Banking: Ideas, Public Policy, and the Creation of Financial Institutions
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in Germany are a group of state-owned banks primarily engaging in wholesale banking.
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1811:(Created on January 1, 2006, through the transfer of financial services of La Poste)
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1409:'s passage of a bill in 2018 to create such banks. The bill was signed into law by
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4286:
4269:
1449:
The New York public banking act, or S5565C, was introduced by NY State Senator
5323:
5205:
5145:
4934:
4430:"How to Liberate America from Wall Street Rule - Institute for Policy Studies"
2826:"The Wondrous German Public Sector Banks Aren't All They Are Cracked Up To Be"
2122:
2019:
The New Zealand government formerly owned two other banks in New Zealand: The
1953:
1559:
1374:
1166:
311:
4682:"National Bank sale to investor dropped in new funding plan - Corporate News"
4585:
4482:
4305:
4158:
4105:
3373:
3152:
2697:
2605:
2550:
2688:
2510:
1293:
1274:
424:
409:
246:
3856:"City and County of San Francisco Resolution to Support Public Banking Act"
2855:"Time for a Full Public Bank in Wales? – Public Policy Institute for Wales"
2597:
3365:
2646:"Early Public Banks (Revised July 2014) - Federal Reserve Bank of Chicago"
2228:"How Public Banks Can Help Finance a Green and Just Energy Transformation"
4474:
2722:
2581:
2032:
2024:
2013:
1875:
1678:
1673:
1470:
1362:
filed legislation to establish a state-owned bank but was opposed by the
468:
301:
3244:"Public Banks: Bank of North Dakota - Institute for Local Self-Reliance"
3125:
5288:
4458:
Andrianova, Svetlana; Demetriades, Panicos O.; Shortland, Anja (2010).
4150:
3431:"The Bank of North Dakota: A Model for Massachusetts and Other States?"
3324:"The Bank of North Dakota: A Model for Massachusetts and Other States?"
2048:
1623:
1390:
1386:
1286:
1137:
787:
558:
161:
4837:
Public Banks in the Age of Financialization: A Comparative Perspective
4296:
4064:"Infrastructure Sticker Shock: Financing Costs More Than Construction"
2767:"Sparkassen Savings Banks in Germany - Centre for Public Impact (CPI)"
2796:"Will Public Banking Bring More Clean Energy Programs to California?"
1945:, first historical model of the system of public banks (15th century)
338:
4814:
3400:
2753:
Finance Capitalism Unveiled: Banks and the German Political Economy
2184:
Banque publique : une entreprise bancaire qui dépend de l'État
2027:, which was created as a separate entity with the privatisation of
1972:
is a commercial bank founded in 1968. Its shares are listed on the
1859:
Public banks (Government Shareholding %, as at end-June 2021)
1177:
bank, and they provide loans for small businesses and home buyers.
4841:
3797:"City of Huntington Park Resolution to Support Public Banking Act"
3548:"California Senate passes bill to create banks for pot businesses"
3273:"State Owned Banks: The Future of Banking or a Relic of the Past?"
1133:
446:
397:
3296:"Bank of North Dakota reports 14th consecutive year of record..."
5030:
3892:"The People v Wall Street: California's Public Banking Shake-up"
3578:"Public Banks Can Be Formed in California: Newsom Signs New Law"
1158:
1090:
In the ancient world, prior to the emergence of price-adjusting
975:
655:
493:
419:
48:
4845:
4819:
4707:"Government to pay $ 2.1b to take direct ownership of Kiwibank"
3842:"County of Santa Cruz Resolution to Support Public Banking Act"
1980:
and by the state owned National Social Security Fund of Kenya.
3870:"Results to Los Angeles Special Municipal Election- Measure B"
3811:"City of Watsonville Resolution to Support Public Banking Act"
3665:"City of Los Angeles Resolution to Support Public Banking Act"
2676:"The German Banking System: Lessons from the Financial Crisis"
1292:
Initially, the Bank of North Dakota struggled for legitimacy.
3780:"City of Santa Cruz Resolution to Support Public Banking Act"
3721:"City of Santa Rosa Resolution to Support Public Banking Act"
3707:"City of Long Beach Resolution to Support Public Banking Act"
4460:"Is Government Ownership of Banks Really Harmful to Growth?"
3825:"County of Alameda Resolution to Support Public Banking Act"
4832:
Finance, Banking, and Monetary Policy at the Cato Institute
3766:"City of Richmond Resolution to Support Public Banking Act"
3752:"City of Berkeley Resolution to Support Public Banking Act"
4130:
Bagus, Philipp; Howden, David; Block, Walter (July 2013).
3693:"City of Oakland Resolution to Support Public Banking Act"
1273:
The Bank of North Dakota was established by revolutionary
1046:
Public banks are owned and operated by governments, while
2023:, from 1945 to 1992 when it was privatised and sold, and
4733:
Third Way Reforms: Social Democracy After the Golden Age
4321:"On the social usefulness of fractional reserve banking"
2503:
Journal of the Economic and Social History of the Orient
2446:
Pew Conference on Financial Services and the Post Office
2362:"BankThink Promises of Public Banks Don't Match Reality"
2285:"Public Banks and Credit Unions: What's the Difference?"
3735:"City of Beverly Hills Support on AB 857 Public Banks"
3519:"The Growing Movement To Create City-Run Public Banks"
1401:, and other cities. Meanwhile, states' moves towards
1227:
In the early part of 19th century America, before the
4132:"Deposits, Loans, and Banking: Clarifying the Debate"
3460:"Public banking: The other winner in 2017 elections"
3389:
The Journal of Business of the University of Chicago
3124:
RAJAN, RAGHURAM G.; RAMCHARAN, RODNEY (2011-11-14).
5281:
5214:
5111:
5061:
5008:
4902:
3951:"Op-Ed: Why Los Angeles should start a public bank"
3016:
3014:
3012:
1215:
United States in the 17th, 18th, and 19th centuries
1098:, a rate which stayed stable for a thousand years.
3874:Los Angeles County Registrar-Recorder/County Clerk
27:State-owned or noncommercial financial institution
4758:"Taxpayer no longer majority NatWest shareholder"
4590:Harvard Library Office of Scholarly Communication
4372:"Banks Cannot Create Money | Jorg Guido Hulsmann"
3040:. Johns Hopkins University Press. pp. 70–72.
2499:"How Interest Rates Were Set, 2500 BC - 1000 AD"
4401:"Do banks really create money out of thin air?"
4527:"Promises of Public Banks Don't Match Reality"
3490:"A Movement for Public Banking Gains Momentum"
3429:Boston, Federal Reserve Bank of (2011-09-26).
3322:Boston, Federal Reserve Bank of (2011-09-26).
2580:Dermineur, Elise; Svetiev, Yane (2015-01-01).
1509:political scientist Susan Hoffmann, author of
1132:and seventeenth centuries. The charter of the
1029:, public ownership of a bank is distinct from
4857:
3070:. Johns Hopkins University Press. p. 75.
3055:. Johns Hopkins University Press. p. 76.
3025:. Johns Hopkins University Press. p. 73.
1349:Public banking movements in the United States
951:
8:
4257:. Johns Hopkins University Press. p. 1.
3192:. University of Illinois Press. p. 282.
2437:Berthaud-Purata, Alexandre (July 16, 2014).
1976:and are majority owned (70%) jointly by the
1306:Yolanda K. Kodrzycki and Tal Elmatad of the
1266:. Under state law, the bank is the State of
4736:. Cambridge University Press. p. 307.
4606:: CS1 maint: numeric names: authors list (
4139:American Journal of Economics and Sociology
2256:"What's the Definition of a Public Bank?".
1206:Established as a private bank in 1934, the
4864:
4850:
4842:
4319:Chari, V. V.; Phelan, Christopher (2014).
4274:International Review of Financial Analysis
3980:"Municipal Banking Feasibility Task Force"
3271:David S. Swayze and Christine P. Schlitz,
3093:Research in the Sociology of Organizations
2976:. Third Millennium Press. pp. 124–25.
2408:"Why Public Banking Works in North Dakota"
1461:Theoretical perspectives on public banking
958:
944:
440:
251:
36:
4336:
4295:
4285:
2687:
2539:. Third Millennium Press. pp. 98–99.
288:Transaction (checking / current)
4647:"Audited December 2012 Financial Report"
2680:OECD Economics Department Working Papers
1612:Export Finance and Insurance Corporation
1124:Early Catalan public banks included the
3285:, Spring 2013. Retrieved July 14, 2018.
2988:"Representation Without Representation"
2478:from the original on September 29, 2018
2326:from the original on September 29, 2018
2176:
2108:Puerto Rico Government Development Bank
2103:Export–Import Bank of the United States
1755:Industrial and Commercial Bank of China
1102:Medieval, renaissance and modern Europe
293:
254:
47:
4599:
4229:"Money creation in the modern economy"
3931:from the original on November 18, 2019
3418:. Third Millennium Press. p. 169.
3190:Political Repression in Modern America
2887:. Third Millennium Press. p. 272.
2468:"The New Economic Archaeology of Debt"
2418:from the original on December 16, 2017
2395:. Third Millennium Press. p. 367.
2372:from the original on November 12, 2019
2349:. Third Millennium Press. p. 365.
1318:The Reconstruction Finance Corporation
1065:transfer from taxpayers to borrowers.
1042:Public banks compared to credit unions
978:, a financial institution, in which a
4223:
4221:
4219:
3645:from the original on 31 December 2019
3317:
3315:
3079:
3077:
2640:
2638:
2636:
2634:
2561:from the original on October 24, 2018
7:
5354:
4195:Social Science Computing Cooperative
4094:"A Bank Even a Socialist Could Love"
3880:from the original on August 5, 2019.
3590:from the original on October 3, 2019
2961:. McGill-Queen's Press. p. 323.
2238:from the original on 15 January 2018
1420:Public banking efforts in California
1246:Bank of the Commonwealth of Kentucky
1106:Most prominent in the 14th century,
917:
4622:"List of Government Banks in India"
4204:from the original on March 30, 2019
3576:Peltz, James F. (October 2, 2019).
2406:Hardmeyer, Eric (October 1, 2013).
2226:Marois, Thomas (15 November 2017).
1519:Federal Reserve Bank of Minneapolis
2466:Hudson, Michael (April 23, 2002).
2295:from the original on June 14, 2018
2113:Territorial Bank of American Samoa
1815:Caisse des Depots et Consignations
1445:Public banking efforts in New York
1324:Reconstruction Finance Corporation
25:
4268:Werner, Richard A. (2014-12-01).
3610:"Bill Text - AB-857 Public banks"
3248:Institute for Local Self-Reliance
3188:Goldstein, Robert Justin (2001).
2316:"The Case for a State-Owned Bank"
2283:Armstrong, Marc (July 20, 2017).
5353:
5342:
5341:
4596:from the original on 2020-01-08.
3145:10.1111/j.1540-6261.2011.01694.x
2360:Calabria, Mark (March 5, 2015).
2125:
1691:Development finance institutions
1543:Public banks and economic growth
1229:Second Bank of the United States
926:
916:
907:
906:
55:
5402:Banks based in New York (state)
4586:"Government Ownership of Banks"
4566:from the original on 2018-09-29
4537:from the original on 2018-09-29
4508:from the original on 2018-07-20
4440:from the original on 2018-09-29
4411:from the original on 2018-09-29
4382:from the original on 2018-09-29
4353:from the original on 2018-09-29
4235:from the original on 2018-06-12
4168:from the original on 2020-01-18
4112:from the original on 2018-08-09
4074:from the original on 2016-09-10
4044:from the original on 2017-12-17
3990:from the original on 2019-12-31
3961:from the original on 2019-12-31
3902:from the original on 2019-12-17
3620:from the original on 2019-11-11
3558:from the original on 2018-09-19
3529:from the original on 2018-08-09
3500:from the original on 2018-07-24
3470:from the original on 2018-09-29
3441:from the original on 2018-07-18
3334:from the original on 2018-07-18
3301:from the original on 2018-09-29
3254:from the original on 2018-08-06
3225:from the original on 2018-09-29
3170:from the original on 2020-02-16
3106:from the original on 2019-04-11
2998:from the original on 2018-09-29
2939:from the original on 2018-09-29
2910:from the original on 2017-01-05
2865:from the original on 2018-09-29
2836:from the original on 2018-09-29
2806:from the original on 2018-09-29
2777:from the original on 2018-09-29
2755:. University of Michigan Press.
2733:from the original on 2018-09-29
2704:from the original on 2018-09-29
2656:from the original on 2018-07-18
2620:from the original on 2018-09-29
2586:European Review of Contract Law
2517:from the original on 2018-09-25
2497:Hudson, Michael (Spring 2000).
2273:. Third Millennium Press. p. 3.
2213:10.4018/978-1-4666-9548-1.ch004
1959:Banca Monte dei Paschi di Siena
3488:Fernando, Aaron (2018-06-11).
3435:Federal Reserve Bank of Boston
3328:Federal Reserve Bank of Boston
2771:Centre for Public Impact (CPI)
2314:Canova, Tim (April 12, 2012).
1431:community economic development
1308:Federal Reserve Bank of Boston
990:in Germany, and many nations'
706:Strategic financial management
1:
5141:Needle and syringe programmes
4995:Universal access to education
4705:Morrison, Tina (2022-08-21).
4347:10.1016/j.jmoneco.2014.04.008
4325:Journal of Monetary Economics
4186:Hockett, Robert (June 2017).
4009:"NY State Senate Bill S5565C"
3984:Treasurer & Tax Collector
1655:controlled by the government
1020:Definitions of public banking
1010:Sustainable Development Goals
860:Sustainable development goals
4805:Resources in other libraries
4434:Institute for Policy Studies
4188:"Finance without Financiers"
2674:HĂĽfner, Felix (2010-07-01).
1797:Banco Nacional de Costa Rica
1775:Postal Savings Bank of China
1590:Banco de la NaciĂłn Argentina
1364:New York Chamber of Commerce
32:Public bank (disambiguation)
5224:Publicly funded health care
4092:Dayen, David (2017-04-17).
4062:Brown, Ellen (2014-06-06).
2898:Brown, Ellen (2010-08-04).
1732:(Alberta Treasury Branches)
1507:Western Michigan University
5428:
5407:Banks of the United States
4287:10.1016/j.irfa.2014.07.015
3614:leginfo.legislature.ca.gov
2260:. Retrieved July 14, 2018.
2166:Community Development Bank
2075:(UK Government owns 48.15)
1765:Agricultural Bank of China
1696:Brazilian Development Bank
1321:
1255:
1150:
1025:represents." According to
611:Fractional-reserve banking
539:Enterprise risk management
29:
5337:
5249:National health insurance
5201:Supervised injection site
4879:
4820:Friends of Public Banking
4800:Resources in your library
4467:SSRN Working Paper Series
4376:The Independent Institute
3639:"AB 857 Endorsement List"
3084:Schneiberg, Marc (2013).
1949:Cassa Depositi e Prestiti
1820:Crédit Municipal de Paris
1743:Banco del Estado de Chile
1081:History of public banking
514:Diversification (finance)
5244:Single-payer health care
5053:Universal basic services
5000:Universal basic services
4815:Public Banking Institute
4560:Public Banking Institute
4253:Hoffmann, Susan (2001).
3416:The Public Bank Solution
3354:American Economic Review
3066:Hoffmann, Susan (2001).
3051:Hoffmann, Susan (2001).
3036:Hoffmann, Susan (2001).
3021:Hoffmann, Susan (2001).
2974:The Public Bank Solution
2885:The Public Bank Solution
2537:The Public Bank Solution
2393:The Public Bank Solution
2347:The Public Bank Solution
2271:The Public Bank Solution
2258:Public Banking Institute
2061:Caixa Geral de DepĂłsitos
2025:Post Office Savings Bank
1558:cites the corruption of
1331:San Francisco Bay Bridge
1252:The Bank of North Dakota
464:Automated teller machine
4945:Public good (economics)
4686:Businessdailyafrica.com
3212:North Dakota Law Review
2689:10.1787/5kmbm80pjkd6-en
2511:10.1163/156852000511259
2232:Transnational Institute
2193:- ComprendreChoisir.com
1832:Sparkassen-Finanzgruppe
1770:China Construction Bank
1648:Caixa EconĂ´mica Federal
1579:Public banks by country
1407:California State Senate
1368:New York Stock Exchange
1360:New York State Assembly
1153:Sparkassen-Finanzgruppe
988:Sparkassen-Finanzgruppe
711:Stress test (financial)
5412:Government-owned banks
4730:Huo, Jingjing (2009).
3133:The Journal of Finance
2957:Bryce, Robert (2005).
2751:Deeg, Richard (1999).
2598:10.1515/ercl-2015-0015
2289:Cowboys on the Commons
2161:Modern Monetary Theory
1990:Bank Simpanan Nasional
1974:Nairobi Stock Exchange
1970:National Bank of Kenya
1864:Punjab & Sind Bank
1780:Bank of Communications
1264:Bismarck, North Dakota
1242:
5093:Public infrastructure
4930:Public administration
4915:Free-culture movement
3709:. September 25, 2019.
3414:Brown, Ellen (2013).
3366:10.1257/aer.104.5.212
3203:Vogel, Sarah (1984).
2972:Brown, Ellen (2013).
2933:canadiandimension.com
2883:Brown, Ellen (2013).
2555:Catholic Encyclopedia
2535:Brown, Ellen (2013).
2391:Brown, Ellen (2013).
2345:Brown, Ellen (2013).
2269:Brown, Ellen (2013).
1888:Central Bank of India
1403:cannabis legalization
1343:Pennsylvania Turnpike
1237:
1055:How public banks work
885:Too connected to fail
646:Investment management
544:Environmental finance
403:Correspondent account
97:Community development
4475:10.2139/ssrn.1633841
4405:World Economic Forum
3876:. November 6, 2018.
3672:cityclerk.lacity.org
2098:Bank of North Dakota
1912:Punjab National Bank
1870:Indian Overseas Bank
1511:Politics and Banking
1492:reserve requirements
1416:on October 2, 2019.
1258:Bank of North Dakota
1222:Bank of Pennsylvania
1147:Contemporary Germany
984:Bank of North Dakota
783:Exchange traded fund
661:Mathematical finance
621:Fundamental analysis
616:Full-reserve banking
222:Bank holding company
132:Export credit agency
40:Part of a series on
30:For other uses, see
5329:Public viewing area
5098:Public water system
5086:Municipal broadband
5043:Public broadcasting
2412:^The New York Times
2021:Bank of New Zealand
2002:Banco del Bienestar
1978:Government of Kenya
1930:State Bank of India
1894:Union Bank of India
1882:Bank of Maharashtra
1792:Banco de Costa Rica
1455:benefit corporation
1337:, bridges over the
1335:California Aqueduct
1279:Non-Partisan League
875:Time value of money
701:Statistical finance
691:Sustainable finance
641:Investment advisory
283:Time deposit (Bond)
5294:Government auction
4980:Public procurement
4825:2020-10-20 at the
4663:on 24 October 2018
4654:Nationalbank.co.ke
4151:10.1111/ajes.12023
3927:. March 27, 2019.
3278:2018-09-29 at the
2992:Hoover Institution
2824:Coppola, Frances.
2650:www.chicagofed.org
2189:2011-07-18 at the
2156:History of Banking
850:Security (finance)
825:History of banking
721:Structured product
716:Structured finance
529:Economic expansion
42:financial services
5369:
5368:
5196:Public university
5176:Public open space
5121:Drinking fountain
5081:Telecommunication
4786:Library resources
3955:Los Angeles Times
3925:Los Angeles Times
3858:. April 16, 2019.
3754:. April 23, 2019.
3695:. April 16, 2019.
3583:Los Angeles Times
2551:"Montes Pietatis"
2472:MichaelHudson.com
1943:Tavola Pecuniaria
1809:La Banque Postale
1716:Banco do Nordeste
1451:James Sanders Jr.
1339:Mississippi River
1195:Commonwealth Bank
1014:energy transition
999:industrialisation
968:
967:
763:Corporate finance
758:Capital structure
733:
732:
504:Corporate finance
324:
323:
16:(Redirected from
5419:
5357:
5356:
5345:
5344:
5256:Social insurance
5103:Waste management
5071:Electric utility
5048:Public transport
4965:Public ownership
4884:Municipalization
4866:
4859:
4852:
4843:
4774:
4773:
4771:
4769:
4754:
4748:
4747:
4727:
4721:
4720:
4718:
4717:
4702:
4696:
4695:
4693:
4692:
4678:
4672:
4671:
4669:
4668:
4662:
4656:. Archived from
4651:
4643:
4637:
4636:
4634:
4632:
4618:
4612:
4611:
4605:
4597:
4581:
4575:
4574:
4572:
4571:
4552:
4546:
4545:
4543:
4542:
4523:
4517:
4516:
4514:
4513:
4507:
4464:
4455:
4449:
4448:
4446:
4445:
4426:
4420:
4419:
4417:
4416:
4407:. 29 June 2015.
4397:
4391:
4390:
4388:
4387:
4368:
4362:
4361:
4359:
4358:
4340:
4316:
4310:
4309:
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4265:
4259:
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4211:
4209:
4203:
4192:
4183:
4177:
4176:
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4173:
4167:
4136:
4127:
4121:
4120:
4118:
4117:
4089:
4083:
4082:
4080:
4079:
4059:
4053:
4052:
4050:
4049:
4038:Project Censored
4030:
4024:
4023:
4021:
4020:
4005:
3999:
3998:
3996:
3995:
3976:
3970:
3969:
3967:
3966:
3947:
3941:
3940:
3938:
3936:
3917:
3911:
3910:
3908:
3907:
3888:
3882:
3881:
3866:
3860:
3859:
3852:
3846:
3845:
3838:
3832:
3831:
3830:. June 28, 2019.
3829:
3821:
3815:
3814:
3813:. June 11, 2019.
3807:
3801:
3800:
3793:
3787:
3786:
3785:. June 11, 2019.
3784:
3776:
3770:
3769:
3762:
3756:
3755:
3748:
3742:
3741:
3739:
3731:
3725:
3724:
3723:. June 18, 2019.
3717:
3711:
3710:
3703:
3697:
3696:
3689:
3683:
3682:
3680:
3679:
3674:. April 16, 2019
3669:
3661:
3655:
3654:
3652:
3650:
3635:
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3628:
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3405:
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3384:
3378:
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3349:
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3319:
3310:
3309:
3307:
3306:
3292:
3286:
3269:
3263:
3262:
3260:
3259:
3240:
3234:
3233:
3231:
3230:
3224:
3209:
3200:
3194:
3193:
3185:
3179:
3178:
3176:
3175:
3169:
3139:(6): 1895–1931.
3130:
3121:
3115:
3114:
3112:
3111:
3105:
3090:
3081:
3072:
3071:
3063:
3057:
3056:
3048:
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2871:
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2851:
2845:
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2577:
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2494:
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2428:
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2403:
2397:
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2388:
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2342:
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2311:
2305:
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2300:
2280:
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2261:
2254:
2248:
2247:
2245:
2243:
2223:
2217:
2216:
2200:
2194:
2181:
2146:Social Ownership
2135:
2130:
2129:
2128:
2029:New Zealand Post
1684:Bank of Brasilia
1653:Public companies
1552:Mark A. Calabria
1496:capital adequacy
1355:Great Depression
960:
953:
946:
930:
920:
919:
910:
909:
840:Personal finance
773:Equity (finance)
636:Impact investing
626:Growth investing
534:Enterprise value
441:
252:
207:Savings and loan
59:
37:
21:
18:State-owned bank
5427:
5426:
5422:
5421:
5420:
5418:
5417:
5416:
5397:Social programs
5372:
5371:
5370:
5365:
5333:
5319:Public security
5309:Public offering
5277:
5266:Social security
5216:Social services
5210:
5166:Public hospital
5161:Public computer
5156:Public bookcase
5107:
5057:
5026:Law enforcement
5021:Fire department
5004:
4955:Public interest
4898:
4894:Progressive tax
4889:Nationalization
4875:
4873:Public services
4870:
4827:Wayback Machine
4811:
4810:
4809:
4794:
4793:
4789:
4782:
4777:
4767:
4765:
4764:. 28 March 2022
4756:
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4399:
4398:
4394:
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4383:
4370:
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4365:
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4354:
4338:10.1.1.248.4036
4318:
4317:
4313:
4267:
4266:
4262:
4252:
4251:
4247:
4238:
4236:
4227:
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4180:
4171:
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4165:
4134:
4129:
4128:
4124:
4115:
4113:
4091:
4090:
4086:
4077:
4075:
4068:Huffington Post
4061:
4060:
4056:
4047:
4045:
4032:
4031:
4027:
4018:
4016:
4013:NY State Senate
4007:
4006:
4002:
3993:
3991:
3978:
3977:
3973:
3964:
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3949:
3948:
3944:
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3914:
3905:
3903:
3890:
3889:
3885:
3868:
3867:
3863:
3854:
3853:
3849:
3844:. May 14, 2019.
3840:
3839:
3835:
3827:
3823:
3822:
3818:
3809:
3808:
3804:
3795:
3794:
3790:
3782:
3778:
3777:
3773:
3768:. May 21, 2019.
3764:
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3561:
3559:
3552:SFChronicle.com
3546:
3545:
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3530:
3517:
3516:
3512:
3503:
3501:
3494:Progressive.org
3487:
3486:
3482:
3473:
3471:
3464:American Banker
3458:
3457:
3453:
3444:
3442:
3428:
3427:
3423:
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3408:
3386:
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3346:
3337:
3335:
3321:
3320:
3313:
3304:
3302:
3294:
3293:
3289:
3283:Delaware Banker
3280:Wayback Machine
3270:
3266:
3257:
3255:
3242:
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3237:
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3207:
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2966:
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2927:
2926:
2922:
2913:
2911:
2904:Huffington Post
2897:
2896:
2892:
2882:
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2877:
2868:
2866:
2853:
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2848:
2839:
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2823:
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2807:
2794:
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2778:
2765:
2764:
2760:
2750:
2749:
2745:
2736:
2734:
2721:
2720:
2716:
2707:
2705:
2673:
2672:
2668:
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2657:
2644:
2643:
2632:
2623:
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2579:
2578:
2574:
2564:
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2549:
2548:
2544:
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2529:
2520:
2518:
2496:
2495:
2491:
2481:
2479:
2465:
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2460:
2450:
2448:
2441:
2436:
2435:
2431:
2421:
2419:
2405:
2404:
2400:
2390:
2389:
2385:
2375:
2373:
2366:American Banker
2359:
2358:
2354:
2344:
2343:
2339:
2329:
2327:
2313:
2312:
2308:
2298:
2296:
2282:
2281:
2277:
2268:
2264:
2255:
2251:
2241:
2239:
2225:
2224:
2220:
2202:
2201:
2197:
2191:Wayback Machine
2182:
2178:
2174:
2141:State Ownership
2131:
2126:
2124:
2121:
2094:
2086:Vnesheconombank
2082:
2069:
2057:
2045:
2037:ANZ New Zealand
2010:
1998:
1986:
1967:
1939:
1857:
1840:
1828:
1805:
1788:
1751:
1739:
1726:
1644:
1632:
1620:
1608:
1600:Banco Provincia
1586:
1581:
1566:as evidence of
1545:
1526:Austrian School
1503:Bank of England
1479:
1468:
1463:
1447:
1422:
1351:
1326:
1320:
1312:market failures
1260:
1254:
1217:
1204:
1191:
1155:
1149:
1104:
1088:
1086:Ancient history
1083:
1057:
1044:
1031:state-socialism
1022:
964:
899:
898:
880:Too big to fail
865:Systematic risk
778:Ethical banking
768:Cost of capital
743:
735:
734:
681:Private banking
651:Islamic banking
631:Hedge (finance)
554:Ethical banking
524:Economic bubble
499:Climate finance
474:Bank regulation
438:
430:
429:
388:Instant payment
334:
326:
325:
249:
232:
231:
67:
35:
28:
23:
22:
15:
12:
11:
5:
5425:
5423:
5415:
5414:
5409:
5404:
5399:
5394:
5392:Public finance
5389:
5384:
5374:
5373:
5367:
5366:
5364:
5363:
5351:
5338:
5335:
5334:
5332:
5331:
5326:
5321:
5316:
5311:
5306:
5304:Public holiday
5301:
5296:
5291:
5285:
5283:
5279:
5278:
5276:
5275:
5273:Youth services
5270:
5269:
5268:
5263:
5261:Social pension
5253:
5252:
5251:
5241:
5236:
5231:
5229:Public housing
5226:
5220:
5218:
5212:
5211:
5209:
5208:
5203:
5198:
5193:
5188:
5183:
5178:
5173:
5171:Public library
5168:
5163:
5158:
5153:
5148:
5143:
5138:
5136:Infrastructure
5133:
5131:Free education
5128:
5123:
5117:
5115:
5109:
5108:
5106:
5105:
5100:
5095:
5090:
5089:
5088:
5078:
5073:
5067:
5065:
5063:Public utility
5059:
5058:
5056:
5055:
5050:
5045:
5040:
5039:
5038:
5036:Savings system
5031:Postal service
5028:
5023:
5018:
5012:
5010:
5009:Basic services
5006:
5005:
5003:
5002:
4997:
4992:
4987:
4982:
4977:
4972:
4967:
4962:
4957:
4952:
4947:
4942:
4937:
4932:
4927:
4925:Product sample
4922:
4920:Free newspaper
4917:
4912:
4906:
4904:
4900:
4899:
4897:
4896:
4891:
4886:
4880:
4877:
4876:
4871:
4869:
4868:
4861:
4854:
4846:
4840:
4839:
4834:
4829:
4817:
4808:
4807:
4802:
4796:
4795:
4784:
4783:
4781:
4780:External links
4778:
4776:
4775:
4749:
4742:
4722:
4697:
4673:
4638:
4613:
4576:
4547:
4533:. 2015-03-05.
4531:Cato Institute
4518:
4450:
4436:. 2011-07-19.
4421:
4392:
4363:
4311:
4260:
4245:
4215:
4178:
4145:(3): 627–644.
4122:
4098:In These Times
4084:
4054:
4040:. 2013-09-30.
4025:
4000:
3986:. 2019-11-19.
3971:
3957:. 2018-10-03.
3942:
3912:
3898:. 2019-11-05.
3883:
3861:
3847:
3833:
3816:
3802:
3799:. May 7, 2019.
3788:
3771:
3757:
3743:
3726:
3712:
3698:
3684:
3656:
3630:
3601:
3568:
3554:. 2018-05-31.
3539:
3525:. 2018-01-08.
3510:
3480:
3451:
3421:
3406:
3401:10.1086/233060
3395:(4): 211–224.
3379:
3360:(5): 212–217.
3344:
3311:
3287:
3264:
3235:
3195:
3180:
3116:
3073:
3058:
3043:
3028:
3008:
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2168:
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2158:
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2137:
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2120:
2117:
2116:
2115:
2110:
2105:
2100:
2093:
2090:
2089:
2088:
2081:
2078:
2077:
2076:
2068:
2067:United Kingdom
2065:
2064:
2063:
2056:
2053:
2052:
2051:
2044:
2041:
2017:
2016:
2009:
2006:
2005:
2004:
1997:
1994:
1993:
1992:
1985:
1982:
1966:
1963:
1962:
1961:
1956:
1951:
1946:
1938:
1935:
1934:
1933:
1927:
1924:Bank of Baroda
1921:
1915:
1909:
1903:
1897:
1891:
1885:
1879:
1873:
1867:
1856:
1853:
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1659:Bank of Brazil
1650:
1643:
1640:
1639:
1638:
1631:
1628:
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1626:
1619:
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1615:
1614:
1607:
1604:
1603:
1602:
1597:
1592:
1585:
1582:
1580:
1577:
1556:Cato Institute
1544:
1541:
1488:interest rates
1478:
1477:Money creation
1475:
1467:
1464:
1462:
1459:
1446:
1443:
1421:
1418:
1350:
1347:
1322:Main article:
1319:
1316:
1256:Main article:
1253:
1250:
1216:
1213:
1208:Bank of Canada
1203:
1200:
1190:
1187:
1151:Main article:
1148:
1145:
1126:Taula de Canvi
1112:Mount of Piety
1103:
1100:
1087:
1084:
1082:
1079:
1071:Eric Hardmeyer
1056:
1053:
1043:
1040:
1021:
1018:
1006:infrastructure
966:
965:
963:
962:
955:
948:
940:
937:
936:
935:
934:
924:
914:
901:
900:
897:
896:
893:
892:
887:
882:
877:
872:
867:
862:
857:
852:
847:
845:Public finance
842:
837:
832:
827:
822:
821:
820:
815:
810:
805:
800:
790:
785:
780:
775:
770:
765:
760:
755:
753:Bond (finance)
750:
744:
742:Related topics
741:
740:
737:
736:
731:
730:
729:
728:
723:
718:
713:
708:
703:
698:
693:
688:
686:Sustainability
683:
678:
673:
671:Money creation
668:
666:Mobile banking
663:
658:
653:
648:
643:
638:
633:
628:
623:
618:
613:
608:
607:
606:
601:
596:
591:
586:
581:
576:
571:
566:
556:
551:
546:
541:
536:
531:
526:
521:
516:
511:
506:
501:
496:
491:
486:
481:
476:
471:
466:
461:
460:
459:
454:
439:
436:
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431:
428:
427:
422:
417:
412:
407:
406:
405:
395:
390:
385:
380:
379:
378:
373:
363:
362:
361:
356:
346:
341:
335:
333:Funds transfer
332:
331:
328:
327:
322:
321:
320:
319:
314:
309:
304:
296:
295:
291:
290:
286:
285:
280:
275:
270:
265:
263:Christmas club
257:
256:
250:
238:
237:
234:
233:
228:Lists of banks
225:
224:
219:
214:
209:
204:
199:
194:
189:
184:
182:Postal savings
179:
174:
169:
164:
159:
157:Mutual savings
154:
149:
144:
139:
134:
129:
124:
119:
114:
109:
104:
99:
94:
89:
84:
79:
74:
68:
66:Types of banks
65:
64:
61:
60:
52:
51:
45:
44:
26:
24:
14:
13:
10:
9:
6:
4:
3:
2:
5424:
5413:
5410:
5408:
5405:
5403:
5400:
5398:
5395:
5393:
5390:
5388:
5387:Banking terms
5385:
5383:
5380:
5379:
5377:
5362:
5361:
5352:
5350:
5349:
5340:
5339:
5336:
5330:
5327:
5325:
5322:
5320:
5317:
5315:
5314:Public sector
5312:
5310:
5307:
5305:
5302:
5300:
5297:
5295:
5292:
5290:
5287:
5286:
5284:
5280:
5274:
5271:
5267:
5264:
5262:
5259:
5258:
5257:
5254:
5250:
5247:
5246:
5245:
5242:
5240:
5239:Job guarantee
5237:
5235:
5232:
5230:
5227:
5225:
5222:
5221:
5219:
5217:
5213:
5207:
5204:
5202:
5199:
5197:
5194:
5192:
5191:Public toilet
5189:
5187:
5184:
5182:
5181:Public school
5179:
5177:
5174:
5172:
5169:
5167:
5164:
5162:
5159:
5157:
5154:
5152:
5149:
5147:
5144:
5142:
5139:
5137:
5134:
5132:
5129:
5127:
5124:
5122:
5119:
5118:
5116:
5114:
5110:
5104:
5101:
5099:
5096:
5094:
5091:
5087:
5084:
5083:
5082:
5079:
5077:
5076:Oil & gas
5074:
5072:
5069:
5068:
5066:
5064:
5060:
5054:
5051:
5049:
5046:
5044:
5041:
5037:
5034:
5033:
5032:
5029:
5027:
5024:
5022:
5019:
5017:
5016:Civil service
5014:
5013:
5011:
5007:
5001:
4998:
4996:
4993:
4991:
4988:
4986:
4983:
4981:
4978:
4976:
4975:Public rights
4973:
4971:
4970:Public policy
4968:
4966:
4963:
4961:
4958:
4956:
4953:
4951:
4950:Public health
4948:
4946:
4943:
4941:
4940:Public domain
4938:
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2615:
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2607:
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2599:
2595:
2591:
2587:
2583:
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2573:
2560:
2556:
2552:
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2538:
2531:
2528:
2516:
2512:
2508:
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2500:
2493:
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2259:
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2250:
2237:
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2222:
2219:
2214:
2210:
2206:
2199:
2196:
2192:
2188:
2185:
2180:
2177:
2171:
2167:
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2162:
2159:
2157:
2154:
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2149:
2147:
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2134:
2123:
2118:
2114:
2111:
2109:
2106:
2104:
2101:
2099:
2096:
2095:
2092:United States
2091:
2087:
2084:
2083:
2079:
2074:
2073:NatWest Group
2071:
2070:
2066:
2062:
2059:
2058:
2054:
2050:
2047:
2046:
2042:
2040:
2038:
2034:
2030:
2026:
2022:
2015:
2012:
2011:
2007:
2003:
2000:
1999:
1995:
1991:
1988:
1987:
1983:
1981:
1979:
1975:
1971:
1964:
1960:
1957:
1955:
1952:
1950:
1947:
1944:
1941:
1940:
1936:
1931:
1928:
1925:
1922:
1919:
1916:
1913:
1910:
1907:
1904:
1901:
1900:Bank of India
1898:
1895:
1892:
1889:
1886:
1883:
1880:
1877:
1874:
1871:
1868:
1865:
1862:
1861:
1860:
1854:
1850:
1847:
1845:
1842:
1841:
1837:
1833:
1830:
1829:
1825:
1821:
1818:
1816:
1813:
1810:
1807:
1806:
1802:
1798:
1795:
1793:
1790:
1789:
1785:
1781:
1778:
1776:
1773:
1771:
1768:
1766:
1763:
1761:
1760:Bank of China
1758:
1756:
1753:
1752:
1748:
1744:
1741:
1740:
1736:
1731:
1730:ATB Financial
1728:
1727:
1723:
1717:
1714:
1712:
1709:
1707:
1704:
1702:
1699:
1697:
1694:
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1609:
1605:
1601:
1598:
1596:
1593:
1591:
1588:
1587:
1583:
1578:
1576:
1572:
1569:
1568:public sector
1565:
1561:
1557:
1553:
1549:
1542:
1540:
1538:
1534:
1530:
1527:
1522:
1520:
1514:
1512:
1508:
1504:
1499:
1497:
1493:
1489:
1483:
1476:
1474:
1472:
1465:
1460:
1458:
1456:
1452:
1444:
1442:
1438:
1434:
1432:
1428:
1427:public credit
1419:
1417:
1415:
1412:
1408:
1404:
1400:
1399:San Francisco
1396:
1392:
1388:
1384:
1380:
1376:
1371:
1369:
1365:
1361:
1356:
1348:
1346:
1344:
1340:
1336:
1332:
1325:
1317:
1315:
1313:
1309:
1304:
1301:
1297:
1295:
1290:
1288:
1284:
1280:
1276:
1271:
1269:
1265:
1259:
1251:
1249:
1247:
1241:
1236:
1233:
1230:
1225:
1223:
1214:
1212:
1209:
1201:
1199:
1196:
1188:
1186:
1182:
1178:
1176:
1172:
1168:
1163:
1160:
1157:According to
1154:
1146:
1144:
1141:
1139:
1135:
1129:
1127:
1122:
1120:
1119:Mons pietatis
1115:
1113:
1109:
1108:Mons Pietatis
1101:
1099:
1097:
1093:
1085:
1080:
1078:
1074:
1072:
1066:
1063:
1054:
1052:
1049:
1048:credit unions
1041:
1039:
1037:
1032:
1028:
1019:
1017:
1015:
1011:
1007:
1002:
1000:
995:
993:
989:
985:
981:
977:
973:
961:
956:
954:
949:
947:
942:
941:
939:
938:
933:
929:
925:
923:
915:
913:
905:
904:
903:
902:
895:
894:
891:
890:Watered stock
888:
886:
883:
881:
878:
876:
873:
871:
870:Systemic risk
868:
866:
863:
861:
858:
856:
853:
851:
848:
846:
843:
841:
838:
836:
833:
831:
830:List of banks
828:
826:
823:
819:
816:
814:
811:
809:
806:
804:
801:
799:
796:
795:
794:
791:
789:
786:
784:
781:
779:
776:
774:
771:
769:
766:
764:
761:
759:
756:
754:
751:
749:
748:Asset pricing
746:
745:
739:
738:
727:
724:
722:
719:
717:
714:
712:
709:
707:
704:
702:
699:
697:
694:
692:
689:
687:
684:
682:
679:
677:
674:
672:
669:
667:
664:
662:
659:
657:
654:
652:
649:
647:
644:
642:
639:
637:
634:
632:
629:
627:
624:
622:
619:
617:
614:
612:
609:
605:
602:
600:
597:
595:
592:
590:
587:
585:
582:
580:
577:
575:
572:
570:
567:
565:
562:
561:
560:
557:
555:
552:
550:
547:
545:
542:
540:
537:
535:
532:
530:
527:
525:
522:
520:
519:Eco-investing
517:
515:
512:
510:
509:Disinvestment
507:
505:
502:
500:
497:
495:
492:
490:
489:Capital asset
487:
485:
482:
480:
477:
475:
472:
470:
467:
465:
462:
458:
455:
453:
450:
449:
448:
445:
444:
443:
442:
434:
433:
426:
423:
421:
418:
416:
413:
411:
408:
404:
401:
400:
399:
396:
394:
391:
389:
386:
384:
381:
377:
374:
372:
369:
368:
367:
364:
360:
357:
355:
352:
351:
350:
347:
345:
342:
340:
337:
336:
330:
329:
318:
315:
313:
310:
308:
305:
303:
300:
299:
298:
297:
292:
289:
284:
281:
279:
276:
274:
271:
269:
266:
264:
261:
260:
259:
258:
253:
248:
245:
241:
236:
235:
230:
229:
223:
220:
218:
215:
213:
210:
208:
205:
203:
200:
198:
195:
193:
190:
188:
185:
183:
180:
178:
175:
173:
172:Participation
170:
168:
165:
163:
160:
158:
155:
153:
152:Middle market
150:
148:
145:
143:
140:
138:
135:
133:
130:
128:
125:
123:
120:
118:
115:
113:
110:
108:
105:
103:
100:
98:
95:
93:
90:
88:
85:
83:
82:Bulge bracket
80:
78:
75:
73:
70:
69:
63:
62:
58:
54:
53:
50:
46:
43:
39:
38:
33:
19:
5358:
5346:
5299:Public float
5234:Job creation
5186:Public space
5150:
5113:Public works
4990:Public value
4985:Public trust
4790:
4766:. Retrieved
4761:
4752:
4732:
4725:
4714:. Retrieved
4710:
4700:
4689:. Retrieved
4685:
4676:
4665:. Retrieved
4658:the original
4653:
4641:
4631:28 September
4629:. Retrieved
4625:
4616:
4589:
4579:
4568:. Retrieved
4559:
4550:
4539:. Retrieved
4530:
4521:
4510:. Retrieved
4466:
4453:
4442:. Retrieved
4433:
4424:
4413:. Retrieved
4404:
4395:
4384:. Retrieved
4375:
4366:
4355:. Retrieved
4328:
4324:
4314:
4277:
4273:
4263:
4254:
4248:
4237:. Retrieved
4206:. Retrieved
4194:
4181:
4170:. Retrieved
4142:
4138:
4125:
4114:. Retrieved
4097:
4087:
4076:. Retrieved
4067:
4057:
4046:. Retrieved
4037:
4028:
4017:. Retrieved
4015:. 2020-07-10
4012:
4003:
3992:. Retrieved
3983:
3974:
3963:. Retrieved
3954:
3945:
3935:November 19,
3933:. Retrieved
3924:
3915:
3904:. Retrieved
3895:
3886:
3873:
3864:
3850:
3836:
3819:
3805:
3791:
3774:
3760:
3746:
3729:
3715:
3701:
3687:
3676:. Retrieved
3671:
3659:
3647:. Retrieved
3633:
3622:. Retrieved
3613:
3604:
3592:. Retrieved
3581:
3571:
3560:. Retrieved
3551:
3542:
3531:. Retrieved
3523:Fast Company
3522:
3513:
3502:. Retrieved
3493:
3483:
3472:. Retrieved
3463:
3454:
3443:. Retrieved
3434:
3424:
3415:
3409:
3392:
3388:
3382:
3357:
3353:
3347:
3336:. Retrieved
3327:
3303:. Retrieved
3290:
3282:
3267:
3256:. Retrieved
3247:
3238:
3227:. Retrieved
3215:
3211:
3198:
3189:
3183:
3172:. Retrieved
3136:
3132:
3119:
3108:. Retrieved
3096:
3092:
3067:
3061:
3052:
3046:
3037:
3031:
3022:
3000:. Retrieved
2991:
2982:
2973:
2967:
2958:
2952:
2941:. Retrieved
2932:
2923:
2912:. Retrieved
2903:
2893:
2884:
2878:
2867:. Retrieved
2858:
2849:
2838:. Retrieved
2829:
2819:
2808:. Retrieved
2799:
2790:
2779:. Retrieved
2770:
2761:
2752:
2746:
2735:. Retrieved
2726:
2717:
2706:. Retrieved
2679:
2669:
2658:. Retrieved
2649:
2622:. Retrieved
2589:
2585:
2575:
2563:. Retrieved
2554:
2545:
2536:
2530:
2519:. Retrieved
2502:
2492:
2480:. Retrieved
2471:
2461:
2449:. Retrieved
2445:
2432:
2420:. Retrieved
2411:
2401:
2392:
2386:
2376:November 19,
2374:. Retrieved
2365:
2355:
2346:
2340:
2328:. Retrieved
2319:
2309:
2297:. Retrieved
2288:
2278:
2270:
2265:
2257:
2252:
2240:. Retrieved
2231:
2221:
2204:
2198:
2179:
2133:Banks portal
2035:was sold to
2018:
1968:
1858:
1849:ĂŤslandsbanki
1844:Landsbankinn
1595:Banco Ciudad
1573:
1550:
1546:
1537:David Korten
1535:
1531:
1523:
1515:
1510:
1500:
1484:
1480:
1469:
1448:
1439:
1435:
1423:
1414:Gavin Newsom
1372:
1353:Between the
1352:
1327:
1305:
1302:
1298:
1291:
1272:
1268:North Dakota
1261:
1243:
1238:
1234:
1226:
1218:
1205:
1192:
1183:
1179:
1174:
1170:
1167:Landesbanken
1164:
1156:
1142:
1130:
1123:
1118:
1116:
1107:
1105:
1095:
1089:
1075:
1067:
1062:shareholders
1058:
1045:
1036:free markets
1023:
1003:
996:
971:
969:
803:participants
676:Pension fund
484:Asset growth
479:Bank secrecy
354:Bill payment
273:Money-market
243:
226:
191:
107:Credit union
5151:Public bank
5126:Free clinic
4960:Public land
4910:Common good
4791:Public bank
4331:(C): 1–13.
3649:30 December
2859:ppiw.org.uk
2727:www.voeb.de
2151:Postal Bank
2008:New Zealand
1918:Canara Bank
1906:Indian Bank
1636:Banco UniĂłn
1564:Freddie Mac
1383:Los Angeles
1379:Phil Murphy
1283:Minneapolis
1027:Ellen Brown
992:postal bank
972:public bank
835:Market risk
726:Toxic asset
696:Speculation
584:engineering
122:Development
102:Cooperative
5376:Categories
5324:Public use
5206:Urban park
5146:Public art
4935:Public bad
4716:2022-08-22
4691:2016-12-30
4667:2019-03-18
4570:2018-08-09
4541:2018-08-09
4512:2019-09-02
4444:2018-08-09
4415:2018-08-09
4386:2018-08-09
4357:2018-09-29
4297:2086/17269
4239:2018-08-09
4172:2019-12-13
4116:2018-08-07
4078:2018-08-07
4048:2018-08-07
4019:2020-07-16
3994:2019-12-31
3965:2019-12-31
3906:2019-12-31
3896:WhoWhatWhy
3678:2020-01-07
3624:2019-11-19
3594:October 3,
3562:2018-08-07
3533:2018-08-07
3504:2018-08-07
3474:2018-08-07
3445:2018-08-07
3338:2018-08-09
3305:2018-08-06
3258:2018-08-06
3229:2018-09-29
3174:2019-12-13
3110:2018-09-29
3002:2018-08-06
2943:2018-08-06
2914:2018-08-06
2869:2018-08-09
2840:2018-08-09
2810:2018-08-09
2781:2018-08-06
2737:2018-08-06
2708:2018-09-29
2660:2018-08-06
2624:2018-09-29
2521:2018-09-29
2242:15 January
2172:References
1954:BancoPosta
1786:Costa Rica
1560:Fannie Mae
1375:New Jersey
1341:, and the
1175:Sparkassen
1171:Sparkassen
808:regulation
457:management
452:allocation
349:Electronic
142:Industrial
137:Investment
117:Depository
92:Commercial
4483:1556-5068
4333:CiteSeerX
4306:1057-5219
4159:0002-9246
4106:0160-5992
3374:0002-8282
3153:0022-1082
2800:Shareable
2698:1815-1973
2614:155347449
2606:1614-9939
2320:Governing
2207:: 52–72.
2039:in 1989.
1606:Australia
1584:Argentina
1377:Governor
1294:Minnesota
1275:populists
1189:Australia
994:systems.
788:Financial
579:economics
559:Financial
425:BRICS PAY
217:Wholesale
212:Universal
112:Custodian
5348:Category
5282:See also
4903:Concepts
4823:Archived
4768:28 March
4762:BBC News
4602:cite web
4594:Archived
4564:Archived
4535:Archived
4503:Archived
4491:17853139
4438:Archived
4409:Archived
4380:Archived
4351:Archived
4280:: 1–19.
4233:Archived
4208:July 14,
4199:Archived
4163:Archived
4110:Archived
4072:Archived
4042:Archived
3988:Archived
3959:Archived
3929:Archived
3900:Archived
3878:Archived
3643:Archived
3618:Archived
3588:Archived
3556:Archived
3527:Archived
3498:Archived
3468:Archived
3439:Archived
3332:Archived
3299:Archived
3276:Archived
3252:Archived
3220:Archived
3165:Archived
3101:Archived
2996:Archived
2937:Archived
2908:Archived
2863:Archived
2834:Archived
2804:Archived
2775:Archived
2731:Archived
2702:Archived
2654:Archived
2618:Archived
2565:July 14,
2559:Archived
2515:Archived
2482:July 14,
2476:Archived
2451:July 14,
2422:July 14,
2416:Archived
2370:Archived
2330:July 14,
2324:Archived
2299:July 14,
2293:Archived
2236:Archived
2187:Archived
2119:See also
2055:Portugal
2033:PostBank
2014:Kiwibank
1984:Malaysia
1920:(69.33%)
1908:(78.86%)
1902:(81.41%)
1890:(93.08%)
1884:(93.33%)
1878:(95.39%)
1876:UCO Bank
1866:(98.07%)
1679:Banestes
1674:Banrisul
1471:Interest
1466:Interest
1411:Governor
1395:Santa Fe
1366:and the
912:Category
604:services
589:forecast
564:analysis
469:Bad debt
255:Accounts
240:Accounts
177:Payments
167:Offshore
147:Merchant
72:Advising
5360:Commons
5289:Commons
4626:Guidely
4499:1633841
3218:: 492.
3161:9229363
3099:: 281.
2049:DnB NOR
1932:(55.0%)
1926:(64.0%)
1914:(73.1%)
1896:(83.5%)
1872:(96.4%)
1838:Iceland
1826:Germany
1630:Bolivia
1624:Belfius
1618:Belgium
1554:of the
1391:Seattle
1387:Oakland
1287:Chicago
1277:in the
1138:Hamburg
1092:markets
922:Commons
599:planner
569:analyst
317:Prepaid
278:Savings
268:Deposit
202:Savings
187:Private
162:Neobank
87:Central
49:Banking
4788:about
4740:
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4335:
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4157:
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3159:
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2830:Forbes
2696:
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2604:
2080:Russia
2043:Norway
1996:Mexico
1803:France
1724:Canada
1711:BANDES
1701:BADESC
1664:BANESE
1642:Brazil
1494:, and
1333:, the
1202:Canada
986:, the
932:Portal
855:Shares
818:system
798:market
359:Mobile
339:Cheque
307:Credit
242:
197:Retail
192:Public
127:Direct
5382:Banks
4711:Stuff
4661:(PDF)
4650:(PDF)
4506:(PDF)
4487:S2CID
4463:(PDF)
4202:(PDF)
4191:(PDF)
4166:(PDF)
4135:(PDF)
3828:(PDF)
3783:(PDF)
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3168:(PDF)
3157:S2CID
3129:(PDF)
3104:(PDF)
3089:(PDF)
2610:S2CID
2592:(3).
2442:(PDF)
1965:Kenya
1937:Italy
1855:India
1749:China
1737:Chile
1134:Basel
980:state
974:is a
574:asset
447:Asset
437:Terms
398:SWIFT
312:Debit
294:Cards
247:Cards
4770:2022
4738:ISBN
4633:2022
4608:link
4495:SSRN
4479:ISSN
4302:ISSN
4210:2018
4155:ISSN
4102:ISSN
3937:2019
3651:2019
3596:2019
3370:ISSN
3149:ISSN
2694:ISSN
2602:ISSN
2567:2018
2484:2018
2453:2018
2424:2018
2378:2019
2332:2018
2301:2018
2244:2018
1706:BDMG
1669:BASA
1562:and
1285:and
1193:The
1165:The
1159:OECD
1096:mina
976:bank
813:risk
656:Loan
594:plan
494:Cash
420:SPFS
415:CIPS
393:Giro
371:RTGS
366:Wire
344:Card
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4471:doi
4343:doi
4292:hdl
4282:doi
4147:doi
3397:doi
3362:doi
3358:104
3216:489
3141:doi
3097:39A
2684:doi
2594:doi
2507:doi
2209:doi
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549:ESG
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