Knowledge (XXG)

Savings bank

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financial fragility among them. In 1921-1922, a long-delayed regulatory tightening led to all savings banks closing or merging into ordinary banks between then and the late 1940s, after which savings banks ceased to exist in Japan as a separate category. Several of the last remaining savings banks merged in May 1945 to form Japan Savings Bank Inc. (
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during which they were comparatively less affected than commercial banks, the savings banks came under increasing competitive pressure during the interest rate turmoil of the 1970s and underwent significant transformation and restructuring in many jurisdictions during the last quarter of the 20th
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was established in 1880. The first national savings banks legislation was enacted in 1893, and by 1906 there were 486 savings banks in the country. Despite their inspiration by foreign models, Japanese savings banks had a more commercial or even speculative orientation, which led to widespread
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or other instruments deemed of low financial risk. Over time, however, these distinctions have tended to erode, and over the 20th century the regulatory framework and business model of savings banks has largely converged with those of commercial banks, albeit with significant variations across
1152:, but it is of record that the savings bank idea was suggested in England as early as 1697. There was a savings bank in Hamburg, Germany, in 1778 and in Berne, Switzerland, in 1787. The first English savings bank was established in 1799, and postal savings banks were started in England in 1861. 1013:
entities, and/or piecemeal consolidation with other credit institutions. In most countries, the surviving savings banks have private-sector status and no longer operate under a distinctive legislative framework; significant exceptions include Germany and Luxembourg, where savings banks are
2606: 1263: 1005:, and became a Europe-wide phenomenon in the first half of the 19th century. The trajectories of savings bank systems then diverged across European nations, variously leading to the formation of integrated banking groups, cohesive national networks, conversion into 3513: 1647:, Austrian savings banks have developed first as philanthropic associations and later as local government-sponsored entities. The 1980s and 1990s saw multiple rounds of reform and the departure from the network of the largest savings bank, Vienna's 1082:
The origin of savings banks lies in liberal and philanthropic aspirations that motivated their promoters to create non-profit establishments aimed at promoting a culture of thrift and financial prudence among the lower classes, and using
1224:
during the 20th century, monopolistic national retail banking networks were often labeled as savings banks. The label survives in the names of several significant Central and Eastern European commercial banks such as
1617:(est. 1818), non-profit private-sector savings banks were created in numerous French towns and cities, and started developing a national organization of their own in the 1980s and 1990s. By legislation of 1999, the 1176:
which similarly collected retail savings and invested them in safe government securities, albeit with variations across countries; some of the postal banks have themselves been called "savings banks", e.g. the
2110:
were consolidated in 1967 into a single State Savings Bank, then split in 1969 into a Czech and a Slovak components. In the post-Communist transition, Česká spořitelna was privatized and purchased in 2000 by
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Brunner, A., Decressin, J. / Hardy, D. / Kudela, B. (2004): Germany’s Three-Pillar Banking System – Cross-Country Perspectives in Europe, Occasional Paper, International Monetary Fund, Washington, D.C.
2056:. The number of Finnish savings banks reached more than four hundred in the mid-20th century, but has decreased since then to only 16. Of these, 15 participate in the decentralized Savings Bank Group ( 2676:(est. 1963) have operated as a single entity, representing savings banks on a European and global basis and serves as a forum to compare savings banks practices. Most of its non-European members are 1444:. The remaining savings banks in 1993 joined other smaller Danish commercial and cooperative banks to form a single association of Local Banks, Savings Banks and Cooperative Banks in Denmark, or 1966: 1160:
which started developing a bit later during the 19th century. Savings banks were typically heavily regulated and supervised by local or national governments, and restricted to invest only in
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in the early 1980s, and more mutual savings banks failed later in the 1980s and 1990s while other converted to joint-stock status. As of 2024, the oldest surviving mutual savings bank is
2161:. From then, Hungarian entities named "savings bank" were essentially indistinguishable from commercial banks. In 1949, the Communist authorities established the National Savings Bank ( 1413:, in 1949. Their number declined from over 500 in the 1930s to a bit above 100 by the late 1980s. In 1986-1991, Fællesbanken was dismantled and its components acquired respectively by 1922: 1504: 1129: 2256: 2131:
triggered massive restructuring and consolidation, by which many savings banks were liquidated, purchased by commercial banks, or consolidated into four savings banks groups:
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in 1778, followed by other endeavors in Germany and Switzerland in the late 18th century. Savings banks mushroomed in the early 19th century, with landmark establishments in
1062:) and denotes their more restricted scope of activity, sometimes translated as "fund". That word has no direct equivalent in English; its etymology is identical with that of 2453: 1914: 2284: 3884: 3540: 3536: 1831: 3638: 2911: 1843: 3661: 3656: 3650: 1859: 3788: 2638: 2196: 1827: 3040: 1815: 2980: 1786:
as shareholders. This triggered significant consolidation in the 1990s and 2000s into larger commercial banking groups. For example, the savings banks of
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France claims the credit of being the mother of savings banks, basing this claim on a savings bank said to have been established in 1765 in the town of
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as an incentive to think beyond short-term living horizons. In France, savings banks projects started to emerge in the 1750s and multiplied during the
3383: 1950: 1799: 3668: 2760: 1890: 1867: 1313:(est. 1918). The German savings banks sector is currently operating as a group with some centralized functions but decentralized organization, the 3674: 3588: 2128: 4000: 2237:), "savings banks" were largely undistinguishable from commercial banks until the general destruction of the Croatian banking sector following 1986: 1728: 3620: 2774: 556: 422: 3556: 2154: 2016: 1942: 1851: 1847: 1759: 1408: 1349: 4012: 2892: 1198: 3704: 2967: 1898: 1202: 965: 1835: 2223:, like its Czech equivalent, results from the 1969 division of the State Savings Bank of Czechoslovakia. It was also purchased by 1301:, was a philanthropic endeavor, the dominant model for German savings banks has been sponsorship by local government, starting in 1156:
The original function of savings banks to service consumers was limited to savings, not borrowing, a foundational difference with
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century. By the early 21st century, savings banks were most significant in Germany and Spain, and to a lesser extent in Austria.
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was created in two stages in 1850 and 1865 as a national savings institution. In the 1990s it was privatized and became part of
3902: 3687: 3681: 3033: 1318: 1213: 129: 1614: 1133: 3913: 3721: 3626: 1990: 713: 464: 4038: 1656: 1403: 1140:(1819, first in the Austrian Empire). Even so, origin stories of the savings bank concept were long disputed. In 1914, the 3994: 3739: 3334: 3239: 2653: 2581: 2551: 1978: 1954: 1934: 1906: 1863: 1839: 1811: 1807: 1750: 1618: 1190: 867: 810: 2601: 2220: 1547: 1258: 1253:
in Ukraine. Other non-European banks (other than postal savings systems or their successors) similarly named include the
1246: 4056: 3940: 3733: 3440: 2673: 1926: 1894: 1871: 1660: 1206: 1194: 837: 214: 4032: 3614: 3505: 2246: 2242: 1974: 1970: 1855: 1823: 1707: 1542: 1344: 658: 2397: 2339: 2812: 2793: 3026: 2324: 1962: 1930: 1886: 1712: 1508: 1373: 1221: 618: 546: 378: 104: 3930: 2927: 1876: 1803: 1736: 1706:) was established in 1820 and remained for some time the only financial institution in what is now Slovenia. The 1385: 521: 356: 4050: 2622: 2095: 1230: 3423: 3361: 2977: 2547: 2067: 1486: 471: 390: 986:
that is not run on a profit-maximizing basis, and whose original or primary purpose is collecting deposits on
2813:"Organizational Culture and Organizational Change: The Transformation of Savings Banks in Denmark, 1965—1990" 1445: 3970: 3925: 2971: 2569: 2031: 2000: 1626: 1512: 1314: 718: 361: 149: 3582: 3482: 3411: 3371: 1771:. Italian savings banks never coalesced in a national network or group. In 1990, the legislation known as 1121: 4006: 1022:
In many European languages, savings banks are referred to by a word that differentiates them from banks (
4025: 4018: 3878: 3757: 3644: 3604: 3566: 3465: 2685: 2633: 2591: 2334: 2277:. Savings banks as a legal category disappeared in 1987, being replaced with so-called registered banks. 2106:) was established in 1825 under the savings bank framework of the Austrian Empire. The savings banks in 2079: 2026: 1361: 1310: 1281: 1254: 1173: 1125: 1100: 983: 958: 892: 653: 591: 551: 410: 189: 179: 39: 2873: 2062: 1450: 2074: 3965: 3816: 3632: 3344: 3164: 2123: 1768: 1520: 1462: 1377: 1305:
in 1801. In the early 20th century, savings banks created regional clearing entities, later known as
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Zeitschrift für die gesamte Staatswissenschaft / Journal of Institutional and Theoretical Economics
2546:: the State Specialized Commercial Savings Bank of Ukraine was established in 1991 from the former 2316: 2219:, followed by other savings bank foundations in what is now Slovakia throughout the 1840s. Today's 2158: 1982: 1622: 1500: 1422: 1369: 1157: 1006: 929: 882: 708: 698: 648: 586: 295: 164: 109: 31: 935: 3951: 3890: 3860: 3855: 3838: 3764: 3698: 3254: 3049: 2966:"Liberalisation of financial markets in New Zealand" Arthur Grimes, Institute of Policy Studies, 2555: 2525: 2359: 2192: 2162: 1772: 1178: 857: 832: 728: 723: 611: 596: 571: 536: 144: 49: 2354: 1740: 2482:) was established in 1950 on the basis of the former postal saving system, since then known as 1561: 64: 4044: 3919: 3872: 3827: 3487: 3433: 3396: 3281: 3244: 2573: 2435: 2346: 2274: 2273:: The first trustee savings bank was the New Plymouth Savings Bank (est. 1850), later branded 1104: 1092: 1088: 770: 765: 606: 576: 511: 224: 3470: 3455: 3400: 3351: 3313: 3303: 3013: 2831:"Seanad Éireann - 23/Jun/1965 Trustee Savings Bank Bill, 1965: Second and Subsequent Stages" 2677: 2180: 2057: 1819: 1754: 1664: 1648: 1414: 1340: 1055: 1047: 1039: 951: 919: 847: 825: 805: 780: 643: 633: 541: 459: 2913:
Las cajas municipales de ahorro y crédito: su experiencia en el micro crédito rural en Perú
2852: 1731:, a number of them merged in 1992 to form a commercial banking group that has been branded 1376:(est. 1814). In the 1970s and 1980s, surviving British savings banks consolidated into the 3804: 3716: 3576: 3450: 3378: 3308: 3286: 3259: 3085: 3057: 2984: 2618: 2483: 2475: 2365: 2099: 1882: 1764: 1680: 1430: 1328: 1238: 1161: 1031: 1023: 1010: 987: 887: 872: 862: 785: 775: 688: 638: 581: 561: 531: 506: 481: 395: 285: 275: 124: 99: 4084: 3477: 3460: 3445: 3091: 2136: 2107: 2091: 1659:
operates largely as a single commercial banking group (and is supervised as such under
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World Savings and Retail Banking Institute / European Savings and Retail Banking Group
4078: 3135: 2323:) was established in 1861, and merged with other public institutions in 1967 to form 2199:. In 1991, the Russian network of the Soviet Savings Banks System was reorganized as 2188: 1496: 1490: 1071: 897: 877: 800: 755: 526: 516: 496: 373: 184: 174: 159: 154: 89: 79: 2945: 2737: 2518:
institutions that have developed as municipally-owned public enterprises since 1982.
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After a long period of relative stability, including through two world wars and the
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in Thailand (est. 1913), the Caisse d'Épargne de Madagascar (est. 1918), and the
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in 1822. Still run decentrally, they have coalesced into two national networks,
1787: 1630: 1526: 1470: 1426: 1381: 1324: 842: 733: 703: 324: 314: 199: 134: 84: 35: 1961:. As of early 2024, a few savings banks still exist as independent entities in 1777: 3727: 3428: 3416: 3216: 3190: 3073: 3067: 2755: 2695: 2449: 2280: 2216: 1946: 1938: 1918: 1724: 1640: 1306: 1250: 1137: 1096: 319: 3710: 3406: 2661: 2140: 2132: 1958: 1902: 1795: 1791: 1652: 1466: 1365: 432: 417: 254: 1566: 2396:) was established as a nationwide entity in 1880, and merged in 1885 with 3770: 3276: 3234: 3229: 3096: 2773:
Dilek Bülbül, Reinhard H. Schmidt & Ulrich Schüwer (September 2013),
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as the result of successive mergers and restructurings from 1991 to 2003.
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was established in 1858 for the specific benefit of government employees.
2206: 2200: 2170: 1732: 1698: 1670: 1576: 1482: 1478: 1242: 1234: 1226: 991: 476: 309: 17: 2738:"Histoire des Caisses d'épargne en France. 1818-1881. Une étude sociale" 2565: 2543: 2434:) in 1880 and in 1881 established a subsidiary named the Savings Bank ( 2403: 2252: 2230: 2150: 2144: 2127:
developed from 1835 legislation that emulated the French template. The
2022: 1636: 1552:. In 1907, the savings banks started to operate as a national network ( 1469:
in 1816. By 1992, the trustee savings banks of Waterford and others in
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The oldest lasting savings bank is widely recognized to have been the
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The German Banking Sector: Competition, Consolidation and Contentment
2665: 2471: 2459: 2306: 2184: 2176: 1996: 1767:, followed by establishments in other Italian polities and after the 1720: 1644: 1610: 1538: 1474: 1441: 1402:. The Danish savings banks established a common national entity, the 1368:
Female Benefit Club and Children's Bank (est. 1798 by philanthropist
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Savings banks originated in late-18th Europe as a development of the
995: 346: 2996:
The Promotion of Thrift and of Savings Banks in Developing Countries
1575:, itself dismantled in 2008 with the Dutch operations absorbed into 2862:, vol. 1, Washington DC: Federal Deposit Insurance Corporation 3211: 3147: 2657: 2597: 2330: 2294: 2118: 2053: 1746: 1425:, the latter a major savings bank that was eventually merged into 1269: 454: 405: 2550:, and converted in 1999 into a state-owned joint-stock bank, the 3318: 3271: 3102: 3079: 2489: 2179:: in 1842, the Imperial government established savings banks in 2004: 1336: 1067: 1063: 663: 501: 427: 56: 3509: 3022: 2233:: as in Hungary (with which Croatia was tied politically until 1560:). In 1979-1983 the largest Dutch savings banks merged to form 3153: 2594:
was established in 1992 as a national public development bank.
1485:
had consolidated into TSB Bank, which was acquired in 2001 by
1172:, savings banks were increasingly subject to competition from 994:. Savings banks have mostly existed as a separate category in 3008: 1723:: the first Swedish savings bank was established in 1820 in 1625:
group, which in 2009 merged with another cooperative group,
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since 2006. Dozens of other savings banks survive, such as
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rather than savings banks in the original European sense.
2187:. Like all Russian banks, savings banks disappeared under 1193:
in Austria-Hungary (est. 1882 and 1886 respectively), the
1107:
took interest in the economic and social role of savings.
1095:
but with no lasting success. Liberal luminaries including
2611:, a microfinance institution, was established in 1995 in 1782:
led to their conversion into joint-stock companies, with
2987:, Hamburg University of Technology (TU Hamburg-Harburg) 2157:
established in 1839-1840, was converted in 1844 into a
1505:
Provident Institution for Savings in the Town of Boston
1398:: Holsteinsborg Saving Bank was established in 1810 in 1168:
Starting in 1861 with the establishment of the British
2775:"Caisses d'épargne et banques coopératives en Europe" 2893:"Liberalisation of financial markets in New Zealand" 2643:(est. 1999), are licensed microfinance institutions. 3939: 3787: 3603: 3565: 3327: 3210: 3163: 3128: 3056: 2580:) was established in 1992 and purchased in 2004 by 1280:By chronological order of inception (not including 1113:
Ersparungsclasse der Allgemeinen Versorgungsanstalt
3014:Crisis y Reforma de las Cajas de Ahorros en España 2468:was established in 1934 as a national public bank. 2015:(est. 1997). All savings banks are members of the 1571:which in the 1990s became a founding component of 1507:(est. 1816), and were heavily concentrated in the 1294:Ersparungskasse der Allgemeinen Versorgungsanstalt 990:that are invested on a low-risk basis and receive 2454:Cassa di Risparmio della Repubblica di San Marino 1523:are savings banks chartered at the federal level. 2442:). It has remained state-owned and been branded 2375: 2310: 1579:. Other savings banks merged into SNS Bank (for 2998:, International Savings Bank Institute, Geneva. 2860:History of the Eighties: Lessons for the Future 2195:. They were re-established in 1922-1923 as the 1763:) were established in the Italian parts of the 1519:, established 1825 as Middletown Savings Bank. 1146: 2413: 2407: 2300:Caja de Ahorros de Empleados Públicos de Chile 1197:in Zimbabwe (est. 1904, renamed in 1999), the 3521: 3034: 2874:"The oldest monetary institution in Slovenia" 2493: 2463: 2298: 1674: 959: 27:Category of non-profit financial institutions 8: 2210: 2197:State Labor Savings Banks System of the USSR 1292: 1111: 2928:"Austria's RZB buys Albania's biggest bank" 2761:Banks from The New Student's Reference Work 2499: 2419: 2415:Casa de Depuneri, Consemnațiuni și Economie 2381: 2037: 1688: 1588: 3528: 3514: 3506: 3125: 3041: 3027: 3019: 2976:Tiwari, Rajnish and Buse, Stephan (2006): 2003:started with the establishment of that of 1511:. They were decimated at the start of the 1440:, merged in 1990 into what in 2000 became 966: 952: 448: 259: 44: 296:Transaction (checking / current) 2257:Caisse Générale d'Épargne et de Retraite 1753:(est. 1822), a number of savings banks ( 1339:in 1787. The oldest one still extant is 3589:Maryland Tobacco Inspection Act of 1747 2725: 2429:Deposits, Consignments and Savings Bank 1429:in 2000. The other major savings bank, 1343:(est. 1812). As of 2022, there were 59 301: 262: 55: 1639:: following the 1819 establishment of 1144:said of the origins of savings banks: 1124:(1801, first municipal savings bank), 3407:Commodity theory of money (Metallism) 2731: 2729: 2495:Cajas Municipales de Ahorro y Crédito 1585:Samenwerkende Nederlandse Spaarbanken 1404:Fællesbanken for Danmarks Sparekasser 1388:in 2013, and was acquired by Spain's 1128:(1810, first in the United Kingdom), 7: 3557:Monetary policy of the United States 3541:central banking in the United States 2897:Reserve Bank of New Zealand Bulletin 2536:, eventually purchased by Hungary's 1655:. As a result of these changes, the 1598:Dutch savings banks working together 1181:in the Netherlands (est. 1881), the 1132:(1816, first in the United States), 925: 3839:New York Clearing House Association 2910:Felipe Portocarrero Maisch (2000), 2602:Savings and Social Development Bank 2215:was established in 1842 in today's 2155:First National Savings Bank of Pest 2017:Norwegian Savings Banks Association 1259:Savings and Social Development Bank 3651:Article I of the U.S. Constitution 2509:municipal savings and credit banks 2312:Caixa Economica e Monte de Socorro 2129:2008–2014 Spanish financial crisis 1651:, which eventually became part of 1603:), later nationalized and renamed 1205:in Sri Lanka (est. 1971), and the 25: 3384:Akkadian standards of measurement 2968:Victoria University of Wellington 2916:, Inter-American Development Bank 2409:Casa de Depuneri și Consemnațiuni 1729:Sweden financial crisis 1990–1994 3745:Second Bank of the United States 3193: 2853:"The Mutual Savings Bank Crisis" 2754: 2736:Carole Christen-Lécuyer (2004), 2698: 2353:), which in 1948 renamed itself 1708:Ljubljana Municipal Savings Bank 1543:Amsterdam Municipal Savings Bank 1529:: the first Dutch savings bank ( 1354:forming a decentralized network. 1345:Swiss regional and savings banks 1309:, soon followed by the national 1066:and it originally referred to a 934: 924: 915: 914: 63: 3903:Compound interest treasury note 3688:First Bank of the United States 3070:(W. Mesoamerica & N. Andes) 2891:Arthur Grimes (February 1998), 2811:Per H. Hansen (December 2007), 2742:Revue d'histoire du XIXe siècle 2672:. Since then, the WSBI and the 2656:(WSBI), was created in 1924 in 2321:Savings Bank and Mount of Piety 1784:independent banking foundations 1541:; 1848 saw the creation of the 1384:in 1995, was again spun off as 1319:institutional protection scheme 1214:European banking crisis of 1931 3627:Continental currency banknotes 2578:Banka e Kursimeve e Shqipërisë 2560:Державний ощадний банк України 2364:and eventually became part of 2191:in the first few years of the 1537:)) was established in 1817 in 714:Strategic financial management 1: 3995:Specie Payment Resumption Act 3740:Banking in the Jacksonian Era 3387: 3335:List of historical currencies 3240:Central bank digital currency 2654:World Savings Banks Institute 2582:Raiffeisen Bank International 2552:State Savings Bank of Ukraine 2532:/ DSK, est. 1951) has become 2052:) was established in 1822 in 1751:Cassa di Risparmio di Venezia 1317:which relies on a group-wide 1191:Hungarian Postal Savings Bank 1136:(1818, first in France), and 868:Sustainable development goals 4057:National Monetary Commission 3441:Standard of deferred payment 2674:European Savings Banks Group 2562:), also known as Oschadbank. 2480:Powszechna Kasa Oszczędności 2474:: the General Savings Bank ( 2263:, since 2008 itself part of 1901:(1838), have become part of 1661:European Banking Supervision 1207:Postal Savings Bank of China 1142:New Student's Reference Work 4033:Sherman Silver Purchase Act 3765:New York Safety Fund System 3639:U.S. Finance Superintendent 3615:Second Continental Congress 2779:Revue d'économie financière 2247:City Savings Bank of Zagreb 2243:First Croatian Savings Bank 1957:(1908) have become part of 1917:(1859) have become part of 1881:(1949) have become part of 1802:(1860) have become part of 1657:Sparkassengruppe Österreich 1185:in France (est. 1882), the 4101: 2623:Opportunities Savings Bank 2524:: the State Savings Bank ( 2377:Caixa Económica Portuguesa 2291:, was established in 1856. 2285:Caisse d'Épargne de l'État 1509:Northeastern United States 1374:Edinburgh Bank for Savings 1183:Caisse Nationale d'Épargne 619:Fractional-reserve banking 547:Enterprise risk management 29: 3941:2nd Industrial Revolution 3931:Public Credit Act of 1869 3817:Independent U.S. Treasury 3605:1st Industrial Revolution 3552: 3188: 2621:: savings banks, such as 2559: 2529: 2350: 1737:Westra Wermlands Sparbank 1615:Caisse d'Épargne de Paris 1327:: an early savings bank ( 1222:Communist banking systems 1195:People's Own Savings Bank 1051: 522:Diversification (finance) 3856:Legal Tender Act of 1862 3669:U.S. Treasury Department 3424:Quantity theory of money 3245:Chattel/movable property 2973:Retrieved Feb. 11, 2006. 2817:Enterprise & Society 2548:Savings Bank of the USSR 2465:Caja de Ahorro en Panamá 2456:was established in 1882. 2412:(est. 1864) was renamed 2398:Caixa Geral de Depósitos 2167:Országos Takarék Pénztár 1717:was established in 1889. 1487:Irish Life and Permanent 1170:Post Office Savings Bank 1014:public-sector entities. 472:Automated teller machine 30:Not to be confused with 3971:National Gold Bank Note 3926:Contraction Act of 1866 3675:U.S. Treasury Secretary 2994:Mauri, Arnaldo (1969). 2660:, relocated in 1949 in 2570:Savings Bank of Albania 2530:Държавна спестовна каса 2391:Portuguese Savings Bank 2325:Caixa Econômica Federal 2088:) is run independently. 2073:, est. 2014) while the 2001:savings banks in Norway 1627:Groupe Banque Populaire 1619:Groupe Caisse d'Épargne 1513:savings and loan crisis 1446:Lokale Pengeinstitutter 1315:Sparkassen-Finanzgruppe 1199:Government Savings Bank 719:Stress test (financial) 3682:U.S. Treasury security 3583:Tobacco Inspection Act 3483:Complementary currency 3412:Credit theory of money 3372:Depository institution 2851:Alane Moysich (1997), 2686:postal savings systems 2577: 2494: 2479: 2464: 2439: 2414: 2408: 2376: 2320: 2311: 2299: 2212:Pressburger Spar-Casse 2211: 2166: 2103: 2061: 1804:Crédit Agricole Italia 1758: 1684: 1675: 1667:as its central entity. 1584: 1557: 1534: 1332: 1293: 1282:postal savings systems 1187:Austrian Postsparkasse 1174:postal savings systems 1154: 1112: 1059: 1043: 1035: 1027: 4026:Juilliard v. Greenman 4019:Refunding Certificate 3885:National banks system 3879:Interest bearing note 3758:McCulloch v. Maryland 3645:Bank of North America 3621:U.S. dollar banknotes 3567:Commercial Revolution 3466:Digital gold currency 2794:"Das Sparkassenwesen" 2664:and again in 1969 in 2592:Botswana Savings Bank 2241:. These included the 1621:was converted into a 1521:Federal savings banks 1362:Ruthwell Savings Bank 1335:) was established in 1311:Deutsche Girozentrale 1255:Botswana Savings Bank 1203:National Savings Bank 1101:Thomas Robert Malthus 984:financial institution 893:Too connected to fail 654:Investment management 552:Environmental finance 411:Correspondent account 105:Community development 40:Postal savings system 4051:Aldrich–Vreeland Act 3966:Currency Act of 1870 3633:Bank of Pennsylvania 3345:Coincidence of wants 3165:Representative money 2970:, Wellington, 1998 2221:Slovenská sporiteľňa 1769:unification of Italy 1685:Krainische Sparkasse 1501:mutual savings banks 1463:trustee savings bank 1380:, which merged with 1378:Trustee Savings Bank 1247:Slovenská sporiteľňa 791:Exchange traded fund 669:Mathematical finance 629:Fundamental analysis 624:Full-reserve banking 230:Bank holding company 140:Export credit agency 48:Part of a series on 4063:Federal Reserve Act 3985:Coinage Act of 1873 3959:Hepburn v. Griswold 3909:Coinage Act of 1864 3867:Fractional currency 3845:Coinage Act of 1857 3834:Coinage Act of 1853 3823:Coinage Act of 1849 3777:Coinage Act of 1834 3694:Coinage Act of 1792 3493:Time-based currency 2792:Max Seidel (1908), 2159:joint-stock company 2104:Böhmische Sparkasse 1676:Kranjska hranilnica 1623:cooperative banking 1423:Sparekassen Bikuben 1370:Priscilla Wakefield 1158:cooperative banking 1007:cooperative banking 883:Time value of money 709:Statistical finance 699:Sustainable finance 649:Investment advisory 291:Time deposit (Bond) 32:Cooperative banking 4013:Silver certificate 3952:Legal Tender Cases 3891:National Bank Note 3873:National Bank Acts 3861:United States Note 3699:United States Mint 3362:Clearinghouse bank 3050:Medium of exchange 2983:2016-03-30 at the 2634:Fulm Savings Banks 2335:Tokyo Savings Bank 2193:Russian Revolution 2169:), later known as 2047:Turku Savings Bank 2027:Turun Säästöpankki 1760:Cassa di Risparmio 1461:: the first Irish 1179:Rijkspostspaarbank 1126:Ruthwell, Scotland 1011:commercial banking 858:Security (finance) 833:History of banking 729:Structured product 724:Structured finance 537:Economic expansion 50:financial services 4072: 4071: 4045:Gold Standard Act 4007:Bland–Allison Act 4001:Twenty-cent piece 3920:Three-cent nickel 3828:Three-cent silver 3705:U.S. dollar coins 3503: 3502: 3488:Sectoral currency 3434:Market monetarism 3397:Code of Hammurabi 3186: 3185: 3178:Gold certificates 2934:. 5 January 2004. 2759:The full text of 2678:cooperative banks 2063:Säästöpankkiryhmä 1503:started with the 1249:in Slovakia, and 1105:Jean-Baptiste Say 1093:French Revolution 1089:compound interest 1087:and the logic of 976: 975: 771:Corporate finance 766:Capital structure 741: 740: 512:Corporate finance 332: 331: 16:(Redirected from 4092: 3897:Gold certificate 3530: 3523: 3516: 3507: 3471:Virtual currency 3456:Digital currency 3392: 3389: 3352:Bureau de change 3203: 3198: 3197: 3196: 3129:Domestic animals 3126: 3043: 3036: 3029: 3020: 2954: 2953: 2942: 2936: 2935: 2924: 2918: 2917: 2907: 2901: 2900: 2888: 2882: 2881: 2870: 2864: 2863: 2857: 2848: 2842: 2841: 2839: 2837: 2827: 2821: 2820: 2808: 2802: 2801: 2789: 2783: 2782: 2770: 2764: 2758: 2752: 2746: 2745: 2733: 2708: 2703: 2702: 2701: 2642: 2632:(est. 1996) and 2631: 2610: 2561: 2531: 2513: 2510: 2507: 2504: 2501: 2497: 2467: 2440:Casa de Economie 2433: 2430: 2427: 2424: 2421: 2417: 2411: 2395: 2392: 2389: 2386: 2383: 2379: 2363: 2352: 2343: 2314: 2302: 2287:, also known as 2245:(est. 1846) and 2214: 2181:Saint Petersburg 2124:cajas de ahorros 2096:Česká spořitelna 2083: 2075:Oma Säästöpankki 2071: 2051: 2048: 2045: 2042: 2039: 2035: 2011:(est. 1996) and 1880: 1781: 1749:: starting with 1716: 1705: 1702: 1696: 1693: 1690: 1678: 1665:Erste Group Bank 1649:Zentralsparkasse 1613:: following the 1602: 1599: 1596: 1593: 1590: 1570: 1551: 1454: 1439: 1415:Hafnia Insurance 1412: 1353: 1341:Sparkasse Schwyz 1296: 1267: 1231:Česká spořitelna 1165:jurisdictions. 1115: 1053: 988:savings accounts 968: 961: 954: 938: 928: 927: 918: 917: 848:Personal finance 781:Equity (finance) 644:Impact investing 634:Growth investing 542:Enterprise value 449: 260: 215:Savings and loan 67: 45: 21: 4100: 4099: 4095: 4094: 4093: 4091: 4090: 4089: 4075: 4074: 4073: 4068: 3943: 3935: 3811:Forstall System 3805:Wildcat banking 3791: 3783: 3717:1792 half disme 3607: 3599: 3577:Bills of credit 3569: 3561: 3548: 3537:Monetary policy 3534: 3504: 3499: 3451:Unit of account 3390: 3323: 3309:Promissory note 3287:Deposit account 3260:Cheque clearing 3214: 3206: 3199: 3194: 3192: 3182: 3159: 3124: 3092:Precious metals 3059: 3052: 3047: 3005: 2985:Wayback Machine 2963: 2958: 2957: 2944: 2943: 2939: 2926: 2925: 2921: 2909: 2908: 2904: 2890: 2889: 2885: 2872: 2871: 2867: 2855: 2850: 2849: 2845: 2835: 2833: 2829: 2828: 2824: 2810: 2809: 2805: 2791: 2790: 2786: 2772: 2771: 2767: 2753: 2749: 2735: 2734: 2727: 2722: 2704: 2699: 2697: 2694: 2668:and in 1994 in 2650: 2636: 2625: 2619:North Macedonia 2604: 2511: 2508: 2505: 2502: 2484:PKO Bank Polski 2431: 2428: 2425: 2422: 2393: 2390: 2387: 2384: 2366:Resona Holdings 2357: 2337: 2077: 2065: 2049: 2046: 2043: 2040: 2029: 1921:; and those of 1883:Intesa Sanpaolo 1874: 1775: 1765:Austrian Empire 1741:Värmland County 1710: 1703: 1697: 1694: 1691: 1600: 1597: 1594: 1591: 1564: 1545: 1465:was founded in 1448: 1433: 1431:Sparekassen SDS 1406: 1347: 1297:, est. 1778 in 1278: 1261: 1239:PKO Bank Polski 1162:government debt 1116:established in 1080: 1020: 972: 907: 906: 888:Too big to fail 873:Systematic risk 786:Ethical banking 776:Cost of capital 751: 743: 742: 689:Private banking 659:Islamic banking 639:Hedge (finance) 562:Ethical banking 532:Economic bubble 507:Climate finance 482:Bank regulation 446: 438: 437: 396:Instant payment 342: 334: 333: 257: 240: 239: 75: 43: 28: 23: 22: 15: 12: 11: 5: 4098: 4096: 4088: 4087: 4077: 4076: 4070: 4069: 4067: 4066: 4060: 4054: 4048: 4042: 4036: 4030: 4022: 4016: 4010: 4004: 3998: 3992: 3987: 3982: 3974: 3968: 3963: 3955: 3947: 3945: 3937: 3936: 3934: 3933: 3928: 3923: 3917: 3914:Two-cent piece 3911: 3906: 3900: 3894: 3893:(1863–c. 1930) 3888: 3882: 3876: 3870: 3864: 3858: 3853: 3847: 3842: 3836: 3831: 3825: 3820: 3814: 3808: 3802: 3795: 3793: 3785: 3784: 3782: 3781: 3780: 3779: 3774: 3768: 3762: 3754: 3748: 3737: 3731: 3725: 3719: 3714: 3708: 3702: 3696: 3691: 3685: 3684:(1789–present) 3679: 3678: 3677: 3666: 3665: 3664: 3659: 3648: 3642: 3636: 3630: 3624: 3618: 3611: 3609: 3601: 3600: 3598: 3597: 3591: 3586: 3580: 3579:(c. 1690–1750) 3573: 3571: 3563: 3562: 3560: 3559: 3553: 3550: 3549: 3535: 3533: 3532: 3525: 3518: 3510: 3501: 3500: 3498: 3497: 3496: 3495: 3490: 3485: 3478:Local currency 3475: 3474: 3473: 3468: 3463: 3461:Cryptocurrency 3453: 3448: 3446:Store of value 3443: 3438: 3437: 3436: 3431: 3421: 3420: 3419: 3409: 3404: 3401:§100; §122–125 3394: 3391: 2150 BC 3381: 3376: 3375: 3374: 3364: 3359: 3354: 3349: 3348: 3347: 3337: 3331: 3329: 3325: 3324: 3322: 3321: 3316: 3311: 3306: 3301: 3296: 3291: 3290: 3289: 3279: 3274: 3269: 3264: 3263: 3262: 3252: 3247: 3242: 3237: 3232: 3226: 3224: 3208: 3207: 3205: 3204: 3189: 3187: 3184: 3183: 3181: 3180: 3175: 3169: 3167: 3161: 3160: 3158: 3157: 3156:(Tibet, China) 3151: 3145: 3139: 3132: 3130: 3123: 3122: 3117: 3112: 3106: 3100: 3099:(cotton cloth) 3094: 3089: 3083: 3077: 3071: 3064: 3062: 3054: 3053: 3048: 3046: 3045: 3038: 3031: 3023: 3017: 3016: 3011: 3004: 3003:External links 3001: 3000: 2999: 2992: 2988: 2974: 2962: 2959: 2956: 2955: 2946:"WSBI Members" 2937: 2919: 2902: 2883: 2865: 2843: 2822: 2819:(8:4): 920–953 2803: 2800:(64:1): 58–107 2784: 2765: 2747: 2724: 2723: 2721: 2718: 2717: 2716: 2710: 2709: 2693: 2690: 2649: 2648:Representation 2646: 2645: 2644: 2616: 2595: 2585: 2563: 2541: 2519: 2487: 2469: 2457: 2447: 2401: 2369: 2328: 2304: 2292: 2278: 2268: 2250: 2228: 2204: 2174: 2148: 2116: 2108:Czechoslovakia 2092:Czech Republic 2089: 2020: 1994: 1744: 1718: 1668: 1634: 1608: 1524: 1494: 1489:and rebranded 1456: 1393: 1390:Banco Sabadell 1358:United Kingdom 1355: 1322: 1277: 1274: 1209:(est. 2007). 1079: 1076: 1019: 1016: 974: 973: 971: 970: 963: 956: 948: 945: 944: 943: 942: 932: 922: 909: 908: 905: 904: 901: 900: 895: 890: 885: 880: 875: 870: 865: 860: 855: 853:Public finance 850: 845: 840: 835: 830: 829: 828: 823: 818: 813: 808: 798: 793: 788: 783: 778: 773: 768: 763: 761:Bond (finance) 758: 752: 750:Related topics 749: 748: 745: 744: 739: 738: 737: 736: 731: 726: 721: 716: 711: 706: 701: 696: 694:Sustainability 691: 686: 681: 679:Money creation 676: 674:Mobile banking 671: 666: 661: 656: 651: 646: 641: 636: 631: 626: 621: 616: 615: 614: 609: 604: 599: 594: 589: 584: 579: 574: 564: 559: 554: 549: 544: 539: 534: 529: 524: 519: 514: 509: 504: 499: 494: 489: 484: 479: 474: 469: 468: 467: 462: 447: 444: 443: 440: 439: 436: 435: 430: 425: 420: 415: 414: 413: 403: 398: 393: 388: 387: 386: 381: 371: 370: 369: 364: 354: 349: 343: 341:Funds transfer 340: 339: 336: 335: 330: 329: 328: 327: 322: 317: 312: 304: 303: 299: 298: 294: 293: 288: 283: 278: 273: 271:Christmas club 265: 264: 258: 246: 245: 242: 241: 236:Lists of banks 233: 232: 227: 222: 217: 212: 207: 202: 197: 192: 190:Postal savings 187: 182: 177: 172: 167: 165:Mutual savings 162: 157: 152: 147: 142: 137: 132: 127: 122: 117: 112: 107: 102: 97: 92: 87: 82: 76: 74:Types of banks 73: 72: 69: 68: 60: 59: 53: 52: 26: 24: 14: 13: 10: 9: 6: 4: 3: 2: 4097: 4086: 4083: 4082: 4080: 4064: 4061: 4058: 4055: 4052: 4049: 4046: 4043: 4040: 4039:Treasury Note 4037: 4034: 4031: 4028: 4027: 4023: 4020: 4017: 4014: 4011: 4008: 4005: 4002: 3999: 3996: 3993: 3991: 3988: 3986: 3983: 3980: 3979: 3975: 3972: 3969: 3967: 3964: 3961: 3960: 3956: 3954: 3953: 3949: 3948: 3946: 3942: 3938: 3932: 3929: 3927: 3924: 3921: 3918: 3915: 3912: 3910: 3907: 3904: 3901: 3898: 3895: 3892: 3889: 3886: 3883: 3880: 3877: 3874: 3871: 3868: 3865: 3862: 3859: 3857: 3854: 3851: 3848: 3846: 3843: 3840: 3837: 3835: 3832: 3829: 3826: 3824: 3821: 3818: 3815: 3812: 3809: 3806: 3803: 3800: 3797: 3796: 3794: 3790: 3789:Civil War Era 3786: 3778: 3775: 3772: 3769: 3766: 3763: 3760: 3759: 3755: 3752: 3749: 3746: 3743: 3742: 3741: 3738: 3735: 3734:Treasury Note 3732: 3729: 3726: 3723: 3720: 3718: 3715: 3712: 3709: 3706: 3703: 3700: 3697: 3695: 3692: 3689: 3686: 3683: 3680: 3676: 3672: 3671: 3670: 3667: 3663: 3660: 3658: 3654: 3653: 3652: 3649: 3646: 3643: 3640: 3637: 3634: 3631: 3628: 3625: 3622: 3619: 3616: 3613: 3612: 3610: 3606: 3602: 3595: 3594:Currency Acts 3592: 3590: 3587: 3584: 3581: 3578: 3575: 3574: 3572: 3568: 3564: 3558: 3555: 3554: 3551: 3546: 3542: 3538: 3531: 3526: 3524: 3519: 3517: 3512: 3511: 3508: 3494: 3491: 3489: 3486: 3484: 3481: 3480: 3479: 3476: 3472: 3469: 3467: 3464: 3462: 3459: 3458: 3457: 3454: 3452: 3449: 3447: 3444: 3442: 3439: 3435: 3432: 3430: 3427: 3426: 3425: 3422: 3418: 3415: 3414: 3413: 3410: 3408: 3405: 3403:; c. 1750 BC) 3402: 3398: 3395: 3385: 3382: 3380: 3377: 3373: 3370: 3369: 3368: 3365: 3363: 3360: 3358: 3355: 3353: 3350: 3346: 3343: 3342: 3341: 3338: 3336: 3333: 3332: 3330: 3326: 3320: 3317: 3315: 3312: 3310: 3307: 3305: 3302: 3300: 3297: 3295: 3292: 3288: 3285: 3284: 3283: 3280: 3278: 3275: 3273: 3270: 3268: 3265: 3261: 3258: 3257: 3256: 3253: 3251: 3248: 3246: 3243: 3241: 3238: 3236: 3233: 3231: 3228: 3227: 3225: 3222: 3218: 3213: 3209: 3202: 3191: 3179: 3176: 3174: 3171: 3170: 3168: 3166: 3162: 3155: 3152: 3149: 3146: 3143: 3140: 3137: 3136:Water buffalo 3134: 3133: 3131: 3127: 3121: 3118: 3116: 3113: 3110: 3107: 3105:(Roman world) 3104: 3101: 3098: 3095: 3093: 3090: 3087: 3084: 3081: 3078: 3076:(Mesoamerica) 3075: 3072: 3069: 3066: 3065: 3063: 3061: 3055: 3051: 3044: 3039: 3037: 3032: 3030: 3025: 3024: 3021: 3015: 3012: 3010: 3007: 3006: 3002: 2997: 2993: 2989: 2986: 2982: 2979: 2975: 2972: 2969: 2965: 2964: 2960: 2951: 2947: 2941: 2938: 2933: 2929: 2923: 2920: 2915: 2914: 2906: 2903: 2898: 2894: 2887: 2884: 2879: 2875: 2869: 2866: 2861: 2854: 2847: 2844: 2832: 2826: 2823: 2818: 2814: 2807: 2804: 2799: 2795: 2788: 2785: 2780: 2776: 2769: 2766: 2763:at Wikisource 2762: 2757: 2751: 2748: 2743: 2739: 2732: 2730: 2726: 2719: 2715: 2712: 2711: 2707: 2696: 2691: 2689: 2687: 2683: 2679: 2675: 2671: 2667: 2663: 2659: 2655: 2647: 2640: 2635: 2629: 2624: 2620: 2617: 2614: 2608: 2603: 2599: 2596: 2593: 2589: 2586: 2583: 2579: 2575: 2571: 2567: 2564: 2557: 2553: 2549: 2545: 2542: 2539: 2535: 2527: 2523: 2520: 2517: 2496: 2491: 2488: 2485: 2481: 2477: 2473: 2470: 2466: 2461: 2458: 2455: 2451: 2448: 2445: 2441: 2437: 2416: 2410: 2405: 2402: 2399: 2378: 2373: 2370: 2367: 2361: 2356: 2348: 2341: 2336: 2332: 2329: 2326: 2322: 2318: 2313: 2308: 2305: 2301: 2296: 2293: 2290: 2286: 2282: 2279: 2276: 2272: 2269: 2266: 2262: 2258: 2254: 2251: 2248: 2244: 2240: 2236: 2232: 2229: 2226: 2222: 2218: 2213: 2208: 2205: 2202: 2198: 2194: 2190: 2189:war communism 2186: 2182: 2178: 2175: 2172: 2168: 2164: 2160: 2156: 2152: 2149: 2146: 2142: 2138: 2134: 2130: 2126: 2125: 2120: 2117: 2114: 2109: 2105: 2101: 2097: 2093: 2090: 2087: 2081: 2076: 2072: 2069: 2064: 2059: 2055: 2033: 2028: 2024: 2021: 2018: 2014: 2010: 2006: 2002: 1998: 1995: 1992: 1988: 1984: 1980: 1976: 1972: 1968: 1964: 1960: 1956: 1952: 1948: 1944: 1943:Reggio Emilia 1940: 1936: 1932: 1928: 1924: 1920: 1916: 1912: 1908: 1904: 1900: 1896: 1892: 1888: 1884: 1878: 1873: 1869: 1865: 1861: 1857: 1853: 1852:Civitavecchia 1849: 1848:Ascoli Piceno 1845: 1841: 1837: 1833: 1829: 1825: 1821: 1817: 1813: 1809: 1805: 1801: 1797: 1793: 1790:(est. 1840), 1789: 1785: 1779: 1774: 1770: 1766: 1762: 1761: 1756: 1752: 1748: 1745: 1742: 1738: 1734: 1730: 1727:. During the 1726: 1722: 1719: 1714: 1709: 1700: 1686: 1682: 1677: 1672: 1669: 1666: 1662: 1658: 1654: 1650: 1646: 1642: 1638: 1635: 1632: 1628: 1624: 1620: 1616: 1612: 1609: 1606: 1586: 1582: 1578: 1574: 1568: 1563: 1559: 1558:Spaarbankbond 1555: 1549: 1544: 1540: 1536: 1532: 1528: 1525: 1522: 1518: 1514: 1510: 1506: 1502: 1498: 1497:United States 1495: 1492: 1491:Permanent TSB 1488: 1484: 1480: 1476: 1472: 1468: 1464: 1460: 1457: 1452: 1447: 1443: 1437: 1432: 1428: 1424: 1420: 1416: 1410: 1405: 1401: 1397: 1394: 1391: 1387: 1383: 1379: 1375: 1371: 1367: 1363: 1359: 1356: 1351: 1346: 1342: 1338: 1334: 1333:Dienstenkasse 1330: 1326: 1323: 1320: 1316: 1312: 1308: 1304: 1300: 1295: 1290: 1287: 1286: 1285: 1283: 1275: 1273: 1271: 1265: 1260: 1256: 1252: 1248: 1244: 1240: 1236: 1232: 1229:in Bulgaria, 1228: 1223: 1218: 1215: 1210: 1208: 1204: 1200: 1196: 1192: 1188: 1184: 1180: 1175: 1171: 1166: 1163: 1159: 1153: 1151: 1145: 1143: 1139: 1135: 1131: 1127: 1123: 1119: 1114: 1108: 1106: 1102: 1098: 1094: 1090: 1086: 1077: 1075: 1073: 1072:cash register 1069: 1065: 1061: 1057: 1049: 1045: 1041: 1037: 1033: 1029: 1025: 1017: 1015: 1012: 1008: 1004: 1003:Enlightenment 999: 997: 993: 989: 985: 981: 969: 964: 962: 957: 955: 950: 949: 947: 946: 941: 937: 933: 931: 923: 921: 913: 912: 911: 910: 903: 902: 899: 898:Watered stock 896: 894: 891: 889: 886: 884: 881: 879: 878:Systemic risk 876: 874: 871: 869: 866: 864: 861: 859: 856: 854: 851: 849: 846: 844: 841: 839: 838:List of banks 836: 834: 831: 827: 824: 822: 819: 817: 814: 812: 809: 807: 804: 803: 802: 799: 797: 794: 792: 789: 787: 784: 782: 779: 777: 774: 772: 769: 767: 764: 762: 759: 757: 756:Asset pricing 754: 753: 747: 746: 735: 732: 730: 727: 725: 722: 720: 717: 715: 712: 710: 707: 705: 702: 700: 697: 695: 692: 690: 687: 685: 682: 680: 677: 675: 672: 670: 667: 665: 662: 660: 657: 655: 652: 650: 647: 645: 642: 640: 637: 635: 632: 630: 627: 625: 622: 620: 617: 613: 610: 608: 605: 603: 600: 598: 595: 593: 590: 588: 585: 583: 580: 578: 575: 573: 570: 569: 568: 565: 563: 560: 558: 555: 553: 550: 548: 545: 543: 540: 538: 535: 533: 530: 528: 527:Eco-investing 525: 523: 520: 518: 517:Disinvestment 515: 513: 510: 508: 505: 503: 500: 498: 497:Capital asset 495: 493: 490: 488: 485: 483: 480: 478: 475: 473: 470: 466: 463: 461: 458: 457: 456: 453: 452: 451: 450: 442: 441: 434: 431: 429: 426: 424: 421: 419: 416: 412: 409: 408: 407: 404: 402: 399: 397: 394: 392: 389: 385: 382: 380: 377: 376: 375: 372: 368: 365: 363: 360: 359: 358: 355: 353: 350: 348: 345: 344: 338: 337: 326: 323: 321: 318: 316: 313: 311: 308: 307: 306: 305: 300: 297: 292: 289: 287: 284: 282: 279: 277: 274: 272: 269: 268: 267: 266: 261: 256: 253: 249: 244: 243: 238: 237: 231: 228: 226: 223: 221: 218: 216: 213: 211: 208: 206: 203: 201: 198: 196: 193: 191: 188: 186: 183: 181: 180:Participation 178: 176: 173: 171: 168: 166: 163: 161: 160:Middle market 158: 156: 153: 151: 148: 146: 143: 141: 138: 136: 133: 131: 128: 126: 123: 121: 118: 116: 113: 111: 108: 106: 103: 101: 98: 96: 93: 91: 90:Bulge bracket 88: 86: 83: 81: 78: 77: 71: 70: 66: 62: 61: 58: 54: 51: 47: 46: 41: 37: 33: 19: 4024: 3976: 3957: 3950: 3875:(1863; 1864) 3799:Free banking 3756: 3751:Suffolk Bank 3657:Section VIII 3596:(1751; 1764) 3367:Savings bank 3366: 3357:Central bank 3294:Legal tender 3201:Money portal 2995: 2961:Bibliography 2949: 2940: 2931: 2922: 2912: 2905: 2896: 2886: 2877: 2868: 2859: 2846: 2834:. Retrieved 2825: 2816: 2806: 2797: 2787: 2778: 2768: 2750: 2741: 2706:Banks portal 2682:public banks 2651: 2516:microfinance 2288: 2261:Fortis Group 2249:(est. 1913). 2239:World War II 2122: 2013:Eika Gruppen 1953:(1907), and 1913:(1846), and 1897:(1836), and 1870:(1861), and 1798:(1859), and 1743:(est. 1856). 1701:Savings Bank 1605:De Volksbank 1573:Fortis Group 1517:Liberty Bank 1291:: while the 1279: 1237:in Hungary, 1233:in Czechia, 1219: 1211: 1167: 1155: 1147: 1141: 1109: 1081: 1021: 1000: 980:savings bank 979: 977: 811:participants 684:Pension fund 492:Asset growth 487:Bank secrecy 362:Bill payment 281:Money-market 251: 234: 209: 115:Credit union 4059:(1909–1912) 4041:(1890–1891) 4021:(1879–1907) 4015:(1878–1964) 4003:(1875–1878) 3990:Free silver 3978:Knox v. Lee 3973:(1870–1875) 3944:(1870–1914) 3922:(1865–1889) 3916:(1864–1873) 3905:(1863–1864) 3899:(1863–1933) 3887:(1863–1913) 3881:(1863–1865) 3869:(1862–1876) 3863:(1862–1971) 3852:(1861–1862) 3850:Demand Note 3841:(1853–1863) 3830:(1851–1873) 3819:(1846–1913) 3813:(1842–1865) 3807:(1836–1865) 3801:(1836–1865) 3792:(1840–1870) 3773:, 1832–1836 3767:, 1829–1842 3753:, 1818–1858 3747:, 1816–1836 3736:(1812–1913) 3730:(1793–1857) 3724:(1793–1857) 3713:(1792–1873) 3701:(1792–1873) 3690:(1791–1811) 3673:1789–1913; 3655:1787–1788; 3647:(1781–1791) 3641:(1781–1785) 3635:(1780–1781) 3629:(1775–1779) 3617:(1776–1780) 3608:(1760–1840) 3570:(1607–1760) 3319:Safekeeping 3173:Bimetallism 3088:(W. Africa) 2637: [ 2626: [ 2605: [ 2446:since 2008. 2358: [ 2338: [ 2271:New Zealand 2265:BNP Paribas 2235:World War I 2225:Erste Group 2113:Erste Group 2078: [ 2066: [ 2030: [ 2009:SpareBank 1 2005:Christiania 1905:; those of 1899:Alessandria 1885:; those of 1875: [ 1806:; those of 1776: [ 1773:legge Amato 1711: [ 1631:Groupe BPCE 1565: [ 1546: [ 1527:Netherlands 1449: [ 1434: [ 1427:Danske Bank 1407: [ 1382:Lloyds Bank 1348: [ 1325:Switzerland 1307:Landesbanks 1262: [ 1245:in Russia, 1241:in Poland, 843:Market risk 734:Toxic asset 704:Speculation 592:engineering 130:Development 110:Cooperative 36:Public bank 3728:Large cent 3429:Monetarism 3417:Chartalism 3314:Redemption 3304:Possession 3267:Clay token 3120:Trade bead 3074:Cocoa bean 3058:Commodity 2932:The Banker 2836:29 January 2720:References 2450:San Marino 2355:Kyowa Bank 2351:株式会社日本貯蓄銀行 2317:Portuguese 2289:Spuerkeess 2281:Luxembourg 2217:Bratislava 2084:(based in 1987:Savigliano 1919:BPER Banca 1725:Gothenburg 1641:Erste Bank 1629:, to form 1372:) and the 1276:By country 1251:Oschadbank 1097:Adam Smith 816:regulation 465:management 460:allocation 357:Electronic 150:Industrial 145:Investment 125:Depository 100:Commercial 3722:Half cent 3711:Half dime 3662:Section X 3138:(SE Asia) 3068:Axe-money 2950:WSBI-ESBG 2878:Bankarium 2662:Amsterdam 2556:Ukrainian 2526:Bulgarian 2163:Hungarian 2141:Kutxabank 2133:CaixaBank 2086:Seinäjoki 1959:UniCredit 1903:Banco BPM 1792:La Spezia 1653:UniCredit 1562:VSB Group 1535:Spaarbank 1467:Waterford 1366:Tottenham 1303:Göttingen 1122:Göttingen 1070:, then a 796:Financial 587:economics 567:Financial 433:BRICS PAY 225:Wholesale 220:Universal 120:Custodian 18:Sparkasse 4079:Category 3771:Bank War 3545:pre–1913 3277:Currency 3255:Clearing 3235:Banknote 3230:Bailment 3150:(Arabia) 3111:(barley) 3097:Quachtli 2981:Archived 2781:(111(3)) 2714:Eufiserv 2692:See also 2670:Brussels 2613:Khartoum 2588:Botswana 2574:Albanian 2540:in 2003. 2538:OTP Bank 2534:DSK Bank 2522:Bulgaria 2444:CEC Bank 2436:Romanian 2372:Portugal 2347:Japanese 2227:in 2001. 2207:Slovakia 2201:Sberbank 2171:OTP Bank 2137:IberCaja 1991:Volterra 1949:(1861), 1945:(1852), 1941:(1846), 1937:(1842), 1933:(1836), 1929:(1827), 1925:(1825), 1915:L'Aquila 1909:(1838), 1893:(1835), 1889:(1834), 1868:Calabria 1866:(1857), 1862:(1855), 1854:(1847), 1850:(1842), 1846:(1839), 1842:(1837), 1838:(1836), 1834:(1831), 1826:(1830), 1822:(1829), 1820:Florence 1818:(1823), 1814:(1822), 1800:Piacenza 1794:(1842), 1733:Swedbank 1699:Carniola 1671:Slovenia 1663:), with 1607:in 2017. 1577:ABN AMRO 1483:Limerick 1479:Monaghan 1400:Skælskør 1392:in 2015. 1386:TSB Bank 1243:Sberbank 1235:OTP Bank 1227:DSK Bank 1078:Overview 1068:cash box 992:interest 920:Category 612:services 597:forecast 572:analysis 477:Bad debt 263:Accounts 248:Accounts 185:Payments 175:Offshore 155:Merchant 80:Advising 3707:(1792–) 3623:(1775–) 3328:General 3282:Deposit 3272:Coinage 3144:(Hindu) 3086:Manilla 2566:Albania 2544:Ukraine 2503:  2423:  2404:Romania 2385:  2253:Belgium 2231:Croatia 2151:Hungary 2145:Unicaja 2058:Finnish 2041:  2023:Finland 1983:Ravenna 1979:Fossano 1967:Bolzano 1955:Perugia 1951:Treviso 1935:Trieste 1907:Ferrara 1895:Livorno 1864:Foligno 1860:Viterbo 1840:Bologna 1836:Spoleto 1832:Pistoia 1828:Gorizia 1755:Italian 1692:  1637:Austria 1592:  1459:Ireland 1419:Sydbank 1396:Denmark 1299:Hamburg 1289:Germany 1150:Brumath 1118:Hamburg 1085:savings 1056:Spanish 1048:Russian 1040:Italian 930:Commons 607:planner 577:analyst 325:Prepaid 286:Savings 276:Deposit 210:Savings 195:Private 170:Neobank 95:Central 57:Banking 4065:(1913) 4053:(1908) 4047:(1900) 4035:(1890) 4029:(1884) 4009:(1878) 3997:(1875) 3981:(1871) 3962:(1870) 3761:, 1819 3585:(1730) 3340:Barter 3299:Notary 3250:Cheque 3115:Shells 3109:Shekel 3082:(rice) 2899:(61:4) 2666:Geneva 2600:: the 2590:: the 2568:: the 2514:) are 2492:: the 2476:Polish 2472:Poland 2462:: the 2460:Panama 2452:: the 2406:: the 2374:: the 2333:: the 2309:: the 2307:Brazil 2297:: the 2283:: the 2255:: the 2209:: the 2185:Moscow 2177:Russia 2153:: the 2143:, and 2121:: the 2100:German 2094:: the 1999:: the 1997:Norway 1989:, and 1947:Sicily 1939:Modena 1923:Verona 1872:Apulia 1808:Venice 1788:Rimini 1721:Sweden 1681:German 1673:: the 1645:Vienna 1611:France 1539:Workum 1475:Dublin 1442:Nordea 1360:: the 1329:German 1138:Vienna 1130:Boston 1032:German 1028:caisse 1024:French 1018:Naming 996:Europe 940:Portal 863:Shares 826:system 806:market 367:Mobile 347:Cheque 315:Credit 250:  205:Retail 200:Public 135:Direct 4085:Banks 3221:Token 3212:Money 3148:Camel 3060:money 2991:2004. 2856:(PDF) 2684:, or 2658:Milan 2641:] 2630:] 2609:] 2598:Sudan 2362:] 2342:] 2331:Japan 2295:Chile 2119:Spain 2082:] 2070:] 2054:Turku 2034:] 1975:Fermo 1971:Cento 1927:Turin 1911:Genoa 1891:Lucca 1879:] 1856:Cuneo 1844:Forlì 1824:Prato 1816:Milan 1812:Padua 1796:Parma 1780:] 1747:Italy 1715:] 1581:Dutch 1569:] 1554:Dutch 1550:] 1531:Dutch 1453:] 1438:] 1411:] 1352:] 1270:Sudan 1266:] 1134:Paris 1052:касса 1044:cassa 1036:Kasse 982:is a 582:asset 455:Asset 445:Terms 406:SWIFT 320:Debit 302:Cards 255:Cards 38:, or 3539:and 3379:Mint 3217:Fiat 3103:Salt 3080:Koku 2838:2016 2744:(28) 2652:The 2500:lit. 2490:Peru 2420:lit. 2382:lit. 2183:and 2038:lit. 1963:Asti 1931:Rome 1887:Pisa 1858:and 1830:and 1810:and 1689:lit. 1589:lit. 1481:and 1471:Cork 1421:and 1337:Bern 1284:): 1257:and 1189:and 1103:and 1064:cash 1060:caja 821:risk 664:Loan 602:plan 502:Cash 428:SPFS 423:CIPS 401:Giro 379:RTGS 374:Wire 352:Card 85:Banq 3154:Yak 3142:Cow 2275:TSB 1739:in 1643:in 1268:in 1220:In 1009:or 801:law 557:ESG 418:CLS 391:ACH 310:ATM 4081:: 3388:c. 2948:. 2930:. 2895:, 2876:. 2858:, 2815:, 2796:, 2777:, 2740:, 2728:^ 2680:, 2639:mk 2628:mk 2607:ar 2576:: 2558:: 2528:: 2478:: 2438:: 2360:ja 2349:: 2340:ja 2319:: 2165:: 2139:, 2135:, 2102:: 2080:fi 2068:fi 2060:: 2032:fi 2025:: 1985:, 1981:, 1977:, 1973:, 1969:, 1965:, 1877:it 1778:it 1757:: 1713:sl 1687:, 1683:: 1587:, 1583:: 1567:nl 1556:: 1548:nl 1533:: 1499:: 1477:, 1473:, 1451:da 1436:da 1417:, 1409:da 1350:de 1331:: 1272:. 1264:ar 1099:, 1074:. 1058:: 1054:, 1050:: 1046:, 1042:: 1038:, 1034:: 1030:, 1026:: 998:. 978:A 384:NS 34:, 3547:) 3543:( 3529:e 3522:t 3515:v 3399:( 3393:) 3386:( 3223:) 3219:/ 3215:( 3042:e 3035:t 3028:v 2952:. 2880:. 2840:. 2615:. 2584:. 2572:( 2554:( 2512:' 2506:' 2498:( 2486:. 2432:' 2426:' 2418:( 2400:. 2394:' 2388:' 2380:( 2327:. 2315:( 2267:. 2203:. 2173:. 2147:. 2115:. 2098:( 2050:' 2044:' 2036:( 2019:. 1993:. 1704:' 1695:' 1679:( 1633:. 1601:' 1595:' 1493:. 1455:. 1321:. 967:e 960:t 953:v 252:· 42:. 20:)

Index

Sparkasse
Cooperative banking
Public bank
Postal savings system
financial services
Banking

Advising
Banq
Bulge bracket
Central
Commercial
Community development
Cooperative
Credit union
Custodian
Depository
Development
Direct
Export credit agency
Investment
Industrial
Merchant
Middle market
Mutual savings
Neobank
Offshore
Participation
Payments
Postal savings

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