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Encyclopedia > Building society
Part of the series on
Cooperatives
Types of Co-operatives

Housing cooperative
Building cooperative
Retailers' cooperative
Utility cooperative
Worker cooperative
Social cooperative
Consumers' cooperative
Agricultural cooperative
Credit union
Cooperative banking
Cooperative federation
Cooperative union
Cooperative wholesale society
Mutual insurance For cooperative as used in biochemistry, see cooperative binding. ... A housing co-operative is a legal entity, usually a corporation, that owns real estate, one or more residential buildings. ... Building co-operatives are co-operative housing corporations where individuals or families work together to directly construct their own homes on a co-op basis. ... A retailers cooperative or consumer cooperative is a business entity which employs economies of scale on behalf of its members to get discounts from manufacturers and to pool marketing. ... A utility cooperative is a type of cooperative that is tasked with the delivery of a public utility such as electricity or telecommunications to its members. ... A worker cooperative is a cooperative owned and operated by its worker-owners. There are no outside, or consumer owners, in a workers cooperative - only the workers own shares of the business. ... An Italian social cooperative is a particularly successful form of multi-stakeholder cooperative, of which some 7,000 exist. ... A consumers cooperative is a business owned by its customers for their mutual gain. ... A cooperative (also co-operative or co-op) comprises a legal entity owned and democratically controlled by its members, with no passive shareholders. ... A credit union is a not-for-profit co-operative financial institution that is owned and controlled by its members, through the election of a volunteer Board of Directors elected from the membership itself. ... This article, image, template or category belongs in one or more categories. ... A Co-operative Federation is a Co-operative society in which all members are, in turn, Co-operatives. ... A Co-operative Union is Co-operative Federation (that is, a Co-operative in which all the members are Co-operatives). ... A Co-operative Wholesale Society, or CWS, is a form of Co-operative Federation (that is, a Co-operative in which all the members are Co-operatives), in this case, the members are usually Consumers Co-operatives. ... Mutual insurance is a type of insurance where those protected by the insurance (policyholders) also own the organization. ...

The Rochdale Principles

Voluntary and open membership
Democratic member control
Member economic participation
Autonomy and independence
Education, training, and information
Cooperation among cooperatives
Concern for community
The Rochdale Principles are a set of ideals for the operation of cooperatives. ... The first of the Rochdale Principles states that Co-operative societies must have an open and voluntary membership. ... The second of the Rochdale Principles states that Co-operative societies must have democratic member control. ... Member economic participation is one of the defining features of [[Cooperatives|Co-operative Soceities], and constitutes the third Rochdale Principle in the ICAs Statement on the Co-operative Identity. ... The fourth of the Rochdale Principles states that Co-operative societies must be autonomous and independent. ... The purpose of Co-operative education and Co-operative studies, according to the ICAs Statement on the Co-operative Identity, is that Co-operative societies provide education and training for their members, elected representatives, managers, and employees so they can contribute effectively to the development of their co-operatives. ... A Co-operative Federation is a Co-operative society in which all members are, in turn, Co-operatives. ... The seventh of the Rochdale Principles states that Co-operative societies must have concern for their communities. ...

Political and Economic Theories

Anarchism
Cooperative federalism
Cooperative individualism
Owenism
Third way
Socialism
Socially responsible investing
Social enterprise Co-operative economics is a field of economics, socialist economics, Co-operative studies, and political economy, which is concerned with co-operatives. ... Anarchism is a form of social criticism, a political movement as well as a political philosophy. ... Co-operative Federalism is a school of thought in the field of Co-operative economics. ... Owenism is a term used to represent the Utopian socialist philosophy of Robert Owen, and deriviations thereof. ... The Third Way, or Radical Middle, is a centrist philosophy of governance that embraces a mix of market and interventionist philosophies. ... Socialism refers to a broad array of doctrines or political movements that envisage a socio-economic system in which property and the distribution of wealth are subject to control by the community. ... This article or section does not cite any references or sources. ... Social enterprises are organizations which trade in goods or services, and link that trade to a social mission. ...

Key Theorists

Robert Owen
William King
The Rochdale Pioneers
G.D.H. Cole
Charles Gide
Beatrice Webb
Friedrich Raiffeisen
David Griffiths
Robert Owen (May 14, 1771 – November 17, 1858) was a Welsh socialist and social reformer. ... Dr. William King (1786-1865) was a British physician and philantropist from Brighton. ... The Rochdale Society of Equitable Pioneers, founded in 1844, is usually considered the first successful co-operative enterprise, forming the basis for the modern co-operative movement. ... George Douglas Howard Cole (September 25, 1889 - January 14, 1959) was an English journalist and economist, closely associated with the development of Fabianism. ... Charles Gide (1847–1932) was a French economist and notable ideologue of the cooperative movement in the first third of the 20th century. ... Beatrice Webb Martha Beatrice Potter Webb (January 2, 1858 - April 30, 1943) (also called Beatrice Webb) was a British socialist, economist and reformer, usually referred to in the same breath as her husband, Sidney Webb. ... Friedrich Wilhelm Raiffeisen (May 3, 1818, Hamm - May 11, 1888, Heddesdorf, currently known as Neuwied, Germany) was a German cooperative leader. ... David Griffiths is a Co-operative economist, who has contributed a number of books and articles on the subject of unemployment,[1] the history of Victorias Co-operative movement,[2] and social care co-operatives[3] amongst other subjects. ...

Organizations

List of cooperatives
List of cooperative federations
International Co-operative Alliance
Co-operative Party List of co-operative enterprises: // Canada Accessible Technologies (Westmount, NS) [1] Baseline Type and Graphics (Vancouver, BC) [2] BeaDazzled Bead Shop (Guelph, ON) [3] The Big Carrot (Toronto, ON) [4] Calgary Alternative Transportation Co-operative [5] Canadian Travel Co-op (Burlington, ON. Regina, SK) CFRO-FM (Vancouver, BC) [6] Circle... This is a list of Co-operative Federations. ... The International Co-operative Alliance (ICA) is a non-governmental association representing co-operatives and the co-operative movement worldwide. ... This article is about the British political party. ...

·  v  d  e 

A building society is a financial institution, owned by its members, that offers banking and other financial services, especially mortgage lending. For other uses, see Bank (disambiguation). ... Financial services is a term used to refer to the services provided by the finance industry. ... Mortgage loan is the generic term for a loan secured by a mortgage on real property; the mortgage refers to the legal security, but the terms are often used interchangeably to refer to the mortgage loan. ...


The term building society first arose in the 19th century, in the United Kingdom, from working men's co-operative savings groups: by pooling savings, members could buy or build their own homes. Alternative meaning: Nineteenth Century (periodical) (18th century — 19th century — 20th century — more centuries) As a means of recording the passage of time, the 19th century was that century which lasted from 1801-1900 in the sense of the Gregorian calendar. ... A cooperative (also co-operative or co-op) comprises a legal entity owned and democratically controlled by its members, with no passive shareholders. ...


In the UK today building societies actively compete with banks for most "banking services" especially mortgage lending and deposit accounts. As of 2007 there are 60 building societies in the UK with total assets exceeding £305 billion [1]. BRD-SG in IaÅŸi - A small branch dedicated to retail services For other uses, see Bank (disambiguation). ... A deposit account is an account at a banking institution that allows money to be held on behalf of the account holder. ... 2007 is a common year starting on Monday of the Gregorian calendar. ...

Contents

Origins

The original Building Society was formed in Birmingham in 1774. Most of the original societies were fully terminating, where they would be dissolved when all members had a house: the last of them was wound up in 1980. In the 1830s and 1840s a new development took place with the Permanent Building Society, where the society continued on a rolling basis, continually taking in new members as earlier ones completed purchases. The main legislative framework for the Building Society was the Building Society Act of 1874, with subsequent amending legislation in 1894, 1939 (see Coney Hall), and 1960. The city from above Centenary Square. ... Coney Hall is a suburban district, centred on the Coney Hill Estate, part of West Wickham in the London Borough of Bromley, England. ...


In their heyday, there were hundreds of building societies: just about every town in the country had a building society named after that town. Over succeeding decades the number of societies has decreased, as various societies merged to form larger ones, often renaming in the process: most of the existing larger building societies are the end result of the mergers of many smaller societies.


1980s

In the 1980s, British banking laws were changed to allow building societies to offer banking services equivalent to normal banks. The management of a number of societies still felt that they were unable to compete with the banks, and a new Building Society Act was passed in response to their concerns. This permitted societies to 'demutualise'. If more than 75% of members voted in favour, the building society would then become a limited company like any other. Members' mutual rights were exchanged for shares in this new company. A number of the larger societies made such proposals to their members and all were accepted. Some became independent companies quoted on the London Stock Exchange, others were acquired by larger financial groups. The 1980s refers to the period where corey sucks peters and has a not little to look at his little penis of and between 1980 and 1989. ... BRD-SG in IaÅŸi - A small branch dedicated to retail services For other uses, see Bank (disambiguation). ... The term demutualization (or demutualisation) describes the process by which mutual organizations or companies (mutuals) convert themselves to for-profit (or profit-making) public companies which distribute profits to their shareholders in the form of dividends. ... It has been suggested that this article or section be merged into Limited liability company. ... The Source by Greyworld, in the new LSE building Paternoster Square. ...


A movement arose whereby investors would open a savings account with a mutual building society, thereby getting voting rights in the society, and pressurise for a vote on demutualisation, with the intent of getting a windfall payment as a result. A number of societies' members and managers were very unhappy about such investors, who were termed carpetbaggers, maintaining that as mutual societies, they could supply better and cheaper home loans than the banks and demutualised societies, as they only had to make a profit to cover their operational costs, and had no need to generate an additional profit to return to shareholders. A mutual organization (or society) is a cooperative organization (which is often, but not always, a company or business) based on the principle of mutuality. ... The term demutualization (or demutualisation) describes the process by which mutual organizations or companies (mutuals) convert themselves to for-profit (or profit-making) public companies which distribute profits to their shareholders in the form of dividends. ... American usage In the United States, the negative term carpetbagger was used to refer to a Northerner who traveled to the South after the American Civil War, through the late 1860s and the 1870s, during Reconstruction. ...


In the end, after a number of large demutualisations, and pressure from carpetbaggers moving from one building society to another to cream off the windfalls, most of the remaining societies modified their rules of membership in the late 1990s. The method usually adopted were membership rules to ensure that anyone newly joining a society would, for the first few years, be unable to get any profit out of a demutualisation. With the chance of a quick profit removed, the demutualisations have slowed considerably, as of December 2001. In United States history, the term carpetbagger was a term for Northerners (Yankees) who moved to the South during Reconstruction between 1865 and 1877. ... 2001 : January - February - March - April - May - June - July - August - September - October - November - December Events: December 2 - Enron files for Chapter 11 bankruptcy protection five days after Dynegy canceled a US$8. ...


List of building societies in the United Kingdom that have demutualised

The following is an incomplete list of building societies in the United Kingdom that have since demutualised and hence become banks[2].
It is shown in order of demutualisation. Some of these institutions have since been taken over by larger financial services companies.

Building Society Date Details Current position
Abbey National 1989 Converted to PLC now known as "Abbey" as part of Banco Santander Central Hispano
Cheltenham and Gloucester 1994 takeover by
Lloyds Bank
Now part of Lloyds TSB
National & Provincial Building Society 1995 takeover by
Abbey National)
Business merged into Abbey National, name no longer used
Alliance & Leicester 1997 Converted to PLC Remains independent
Bristol and West 1997 takeover by the
Bank of Ireland
Remains a division of Bank of Ireland but its savings balances and branch network were transfered to the Britannia Building Society in 2005
*Halifax 1997 Converted to PLC Merged with Bank of Scotland in 1999, now part of HBOS
Northern Rock 1997 Converted to PLC Remains independent
The Woolwich 1997 Converted to PLC Now part of Barclays plc
Birmingham Midshires 1999 takeover by the Halifax) Now part of HBOS
Bradford & Bingley 2000 Converted to PLC Remains independent

Abbey National plc is the UKs sixth biggest bank, and Europes second largest mortgage lender, after Halifax. ... The initials PLC after a UK or Irish company name indicate that it is a public limited company, a type of limited company whose shares may be offered for sale to the public. ... Banco Santander Central Hispano is the largest bank in Spain and is part of the Santander Group which has large scale operations in the continents of Europe and South America. ... Cheltenham and Gloucester Cheltenham and Gloucester (C&G) is a commercial bank in the United Kingdom, a subsidiary of Lloyds-TSB Bank plc. ... Lloyds TSB Group plc is a group of financial services companies, based in the United Kingdom, with the registered office in Edinburgh, Scotland. ... Lloyds TSB Group plc is a group of financial services companies, based in the United Kingdom, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. ... Abbey Head office. ... Abbey National plc is the UKs sixth biggest bank, and Europes second largest mortgage lender, after Halifax. ... Alliance & Leicester plc (LSE: AL.) is an awful British bank, formerly a building society. ... The initials PLC after a UK or Irish company name indicate that it is a public limited company, a type of limited company whose shares may be offered for sale to the public. ... Bristol and West plc (B&W) is a commercial bank in the United Kingdom, a division of the Bank of Ireland. ... The Bank of Ireland (ISEQ: BKIR_p) LSE: BKIR NYSE: IRE, officially known as the Governor and Company of the Bank of Ireland is a commercial bank operation on the island of Ireland, one of the Big Four. The bank was formed by an Act of the Irish Parliament in 1782... One of the major UK mutual building societies remaining today is the Britannia Building Society, with headquarters in Staffordshire, England. ... 2005 (MMV) was a common year starting on Saturday of the Gregorian calendar. ... Halifax logo The Halifax is a commercial bank in the United Kingdom, part of the HBOS Group. ... The initials PLC after a UK or Irish company name indicate that it is a public limited company, a type of limited company whose shares may be offered for sale to the public. ... Headquarters on The Mound, Edinburgh The Bank of Scotland is a commercial bank in Scotland (and to a lesser extent the rest of the United Kingdom and the Republic of Ireland). ... Group headquarters on The Mound, Edinburgh HBOS Office at Trinity Road, Halifax HBOS plc (LSE: HBOS) is the holding company of the HBOS Group, formed on the 10 September 2001 by, and named after, the principals involved in the merger of Halifax plc, the former Halifax Building Society, with Bank... Northern Rock (LSE: NRK) is a British bank based at Regent Centre near Newcastle Upon Tyne in northern England. ... The initials PLC after a UK or Irish company name indicate that it is a public limited company, a type of limited company whose shares may be offered for sale to the public. ... The Woolwich was the trading name of the Woolwich Building Society, founded in 1847 as one of the first permanent building societies. ... The initials PLC after a UK or Irish company name indicate that it is a public limited company, a type of limited company whose shares may be offered for sale to the public. ... Big Building One Churchill Place, Canary Wharf Barclays PLC (LSE: BARC, NYSE: BCS, TYO: 8642 ) is a global financial services provider operating in the UK, Europe, United States, Middle East, Latin America, Australasia, Asia and Africa. ... Birmingham Midshires logo Birmingham Midshires is a commercial bank in the United Kingdom, a subsidiary of HBOS plc. ... Halifax logo The Halifax is a commercial bank in the United Kingdom, part of the HBOS Group. ... Group headquarters on The Mound, Edinburgh HBOS Office at Trinity Road, Halifax HBOS plc (LSE: HBOS) is the holding company of the HBOS Group, formed on the 10 September 2001 by, and named after, the principals involved in the merger of Halifax plc, the former Halifax Building Society, with Bank... Bradford & Bingley plc (LSE: BB.) is a British bank headquartered in the Yorkshire town of Bingley. ... The initials PLC after a UK or Irish company name indicate that it is a public limited company, a type of limited company whose shares may be offered for sale to the public. ...

List of building societies in the United Kingdom that no longer exist

Main article: List of former building societies

The following is an incomplete list of building societies in the United Kingdom that no longer exist, since they either merged with or were taken over by other building societies [3].

*Bingley Permanent Building Society and
Bradford Equitable Building Society
merged to form the Bradford & Bingley Building Society in 1964
*Co-operative Permanent Building Society changed its name to Nationwide Building Society in 1970
*Huddersfield & Bradford Building Society and
West Yorkshire Building Society
merged to form Yorkshire Building Society in 1982
*Alliance Building Society and
Leicester Building Society
merged to form the Alliance & Leicester Building Society in 1985
*Birmingham & Bridgwater Building Society and
Midshires Building Society
merged to form the Birmingham Midshires Building Society in 1986
*Anglia Building Society and
Nationwide Building Society
merged to form
which reverted to the
Nationwide Anglia Building Society
Nationwide Building Society
in 1987
in 1991
*Heart of England Building Society merged with the Cheltenham & Gloucester Building Society in 1993
*Leeds Permanent Building Society merged with the Halifax Building Society in 1995
*Staffordshire Building Society merged with the Portman Building Society in 2003
*Lambeth Building Society merged with the Portman Building Society in 2006
*Mercantile Building Society merged with the Leeds Building Society in 2006
*Universal Building Society merged with the Newcastle Building Society in 2006

Bradford & Bingley is a British bank headquartered in the Yorkshire town of Bingley. ... Nationwide Building Society is a major UK building society, the largest one in the world, and has its headquarters in Swindon, Wiltshire, South West England. ... One of the major UK mutual building societies remaining today is the Yorkshire Building Society, with headquarters in Yorkshire, England. ... Alliance & Leicester plc (LSE: AL.) is a British bank, formerly a building society. ... Birmingham Midshires logo Birmingham Midshires is a commercial bank in the United Kingdom, a subsidiary of Halifax plc (part of HBOS). ... Nationwide Building Society is a major UK building society, the largest one in the world, and has its headquarters in Swindon, Wiltshire, South West England. ... Nationwide Building Society is a major UK building society, the largest one in the world, and has its headquarters in Swindon, Wiltshire. ... Nationwide Building Society is a major UK building society, the largest one in the world, and has its headquarters in Swindon, Wiltshire, South West England. ... Cheltenham and Gloucester Cheltenham and Gloucester (C&G) is a commercial bank in the United Kingdom, a subsidiary of Lloyds TSB. The C&G specialises in savings products and mortgages. ... Halifax logo The Halifax is a commercial bank in the United Kingdom, part of the HBOS Group. ... The Portman Building Society is a UK mutual building society and provides mortgages and savings accounts in the UK, as well as commercial lending. ... The Lambeth Building Society was a UK building society. ... The Portman Building Society is a UK mutual building society and provides mortgages and savings accounts in the UK, as well as commercial lending. ... The Mercantile Building Society was a UK building society. ... Established as Leeds and Holbeck (Permanent) Building Society in 1875 the society is now the 8th largest in the UK and serves approixmately 70,000 customers. ... Universal Building Society was a UK building society, which had its head office in Newcastle upon Tyne, Tyne & Wear, England. ... The Newcastle Building Society is a UK building society, which has its head office in Newcastle upon Tyne, Tyne & Wear, England. ...

Remaining building societies in the United Kingdom

The remaining building societies are:


(Total group assets of building societies, as of January 2007.) Source: Building Societies Association[1] The Building Societies Association is the trade organisation of the building societies in the United Kingdom. ...

Building societies
Name Asset share Name Asset share
1 Nationwide Building Society £120,586m 31 Monmouthshire Building Society £485m
2 Britannia Building Society £32,431m 32 Melton Mowbray Building Society* £385m
3 Portman Building Society† £17,765m 33 Market Harborough Building Society £377m
4 Yorkshire Building Society £16,298m 34 Barnsley Building Society* £346m
5 Coventry Building Society * £11,090m 35 Marsden Building Society £343m
6 Chelsea Building Society £9,656m 36 Hanley Economic Building Society £322m
7 Skipton Building Society £9,156m 37 Ipswich Building Society* £321m
8 West Bromwich Building Society £7,208m 38 Tipton & Coseley Building Society £287m
9 Leeds Building Society £7,065m 39 Teachers' Building Society £240m
10 Derbyshire Building Society £5,097m 40 Loughborough Building Society* £239m
11 Cheshire Building Society £4,678m 41 Mansfield Building Society* £229m
12 Principality Building Society £4,384m 42 Dudley Building Society £228m
13 Newcastle Building Society £3,863m 43 Vernon Building Society £217m
14 Norwich & Peterborough Building Society £3,403m 44 Scottish Building Society £211m
15 Stroud & Swindon Building Society £2,514m 45 Chesham Building Society* £196m
16 Nottingham Building Society £2,428m 46 Bath Investment & Building Society £157m
17 Dunfermline Building Society £2,318m 47 Chorley & District Building Society* £147m
18 Scarborough Building Society £1,733m 48 Holmesdale Building Society* £142m
19 Kent Reliance Building Society £1,619m 49 Buckinghamshire Building Society * £135m
20 Progressive Building Society * £1,248m 50 Stafford Railway Building Society * £132m
21 Cumberland Building Society £1,185m 51 Harpenden Building Society* £126m
22 National Counties Building Society £956m 52 Beverley Building Society* £117m
23 Furness Building Society £770m 53 Swansea Building Society £95m
24 Cambridge Building Society £751m 54 Earl Shilton Building Society* £88m
25 Saffron Building Society £662m 55 Shepshed Building Society £79m
26 Leek United Building Society £661m 56 Penrith Building Society* £74m
27 Hinckley & Rugby Building Society £649m 57 Ecology Building Society * £63m
28 Manchester Building Society £565m 58 Catholic Building Society* £38m
29 Newbury Building Society £565m 59 City of Derry Building Society* £28m
30 Darlington Building Society £548m 60 Century Building Society* £22m
  • These societies do not form part of a corporate business group, although they may own other businesses.

† On 12. September 2006, the boards of Nationwide and Portman Building Societies announced a merger, subject to approval from Portman members, and the Financial Services Authority. At the Portman AGM held on 23. April 2007, members voted for the merger to proceed, effective on and from 28. August 2007. Nationwide Building Society is a major UK building society, the largest one in the world, and has its headquarters in Swindon, Wiltshire, South West England. ... The Monmouthshire Building Society is a UK building society, which has its head office in Newport, Gwent. ... One of the major UK mutual building societies remaining today is the Britannia Building Society, with headquarters in Staffordshire, England. ... The Melton Mowbray Building Society is a UK building society based in Melton Mowbray, Leicestershire. ... The Portman Building Society is a UK mutual building society and provides mortgages and savings accounts in the UK, as well as commercial lending. ... The Market Harborough Building Society is a UK building society, which has its headquarters in Market Harborough, Leicestershire. ... One of the major UK mutual building societies remaining today is the Yorkshire Building Society, with headquarters in Yorkshire, England. ... Barnsley Building Society was established in 1853 as the Barnsley Permanent Benefit Building Society. ... History The Coventry Permanent Economic Building Society was founded in 1884 by a small group of citizens, one of whom was Thomas Mason Daffern, who became the Society’s first secretary. ... The Marsden Building Society is a UK building society, which has its head office in Nelson, Lancashire. ... Chelsea Building Society is a Building Society in the UK operating mainly in the South East of England. ... The Hanley Economic Building Society is a UK building society, which has its head office in Hanley, Stoke on Trent, Staffordshire. ... The current version of the article or section reads like an advertisement. ... The Ipswich Building Society is a UK building society based in Ipswich, Suffolk. ... West Bromwich Building Society is a UK building society, with its headquarters in West Bromwich, in the West Midlands in England. ... The Tipton & Coseley Building Society is a UK building society, which has its head office in Tipton, West Midlands. ... Established as Leeds and Holbeck (Permanent) Building Society in 1875 the society is now the 8th largest in the UK and serves approixmately 70,000 customers. ... Teachers Building Society is a UK building society, which has its head office in Wimborne, Dorset. ... The Derbyshire is a UK building society based in Derby, Derbyshire in the East Midlands of England. ... The Loughborough Building Society is a UK building society, which has its head office in Loughborough, Leicestershire. ... Established in 1870 in Macclesfield, the Cheshire was one of the first Permanent Societies which started a revolution in personal finance. ... The Mansfield Building Society is a UK building society, which has its headquarters in Mansfield, Nottinghamshire. ... Principality is a Welsh building society based in Cardiff, Wales. ... The Dudley Building Society is a UK building society, which has its head office in Dudley, West Midlands. ... The Newcastle Building Society is a UK building society, which has its head office in Newcastle upon Tyne, Tyne & Wear, England. ... The Vernon Building Society is a UK building society based in Stockport, Cheshire. ... Norwich and Peterborough Building Society is the fourteenth largest building society in the United Kingdom, with assets in excess of £3. ... The Scottish Building Society is a building society based in Edinburgh, Scotland. ... The Stroud & Swindon Building Society was originally established in 1850 as the Stroud Provident Benefit Building Society. ... Logo of the Chesham Building Society The Chesham Building Society is, as the name suggests, a building society based in the market town of Chesham in Buckinghamshire, England. ... Nottingham Building Society was founded in 1849 by a group of people, led by Samuel Fox (1781-1868), who was a Quaker and prominet local grocer. ... Bath Investment & Building Society is a UK building society, which has its headquarters in Bath. ... The Dunfermline Building Society is a building society based in Dunfermline, Fife. ... The Chorley & District Building Society is a UK building society based in Chorley, Lancashire. ... Scarborough Building Society is a UK building society, which has its headquarters in Scarborough, North Yorkshire, England. ... The Holmesdale Building Society is a UK building society based in Reigate, Surrey. ... Category: ... The Buckinghamshire Building Society was founded in 1907 in Chalfont St. ... The Progressive Building Society was founded in 1914 in Belfast, Ireland and operates 18 branches across Northern Ireland. ... Stafford Railway Building Society is a UK building society, which has its headquarters in Stafford, Staffordshire. ... The Cumberland Building Society was established on 16th April 1850 as the Cumberland Co-operative Land and Benefit Building Society. ... The Harpenden Building Society is a UK building society, which has its head office in Harpenden, Hertfordshire. ... The National Counties Building Society is a UK building society, which has its head office in Epsom, Surrey. ... The Beverley Building Society is based in the East Riding of Yorkshire town of Beverley. ... The Furness Building Society is a UK building society, which has its headquarters in Barrow in Furness, Cumbria. ... The Swansea Building Society is a UK building society based in Swansea, West Glamorgan, Wales. ... The Cambridge Building Society is a UK building society based in Cambridge, Cambridgeshire. ... The Earl Shilton Building Society is a UK building society, which has its head office in Earl Shilton, Leicestershire. ... The Saffron Building Society was established in 1847. ... The Shepshed Building Society is a UK building society, which has its head office in Shepshed, Leicestershire. ... The Leek United Building Society is a building society based in Leek, Staffordshire. ... The Penrith Building Society is a UK building society based in Penrith, Cumbria. ... The Hinckley & Rugby Building Society was formed in 1983 by the merger of Hinckley Permanent Building Society, which was founded in 1865, and Rugby Provident Building Society, which was established in 1861. ... Ecology Building Society is a Building Society in the UK. Established in 1981 the Ecology is one of the fastest growing building societies in the country. ... The Manchester Building Society is a UK building society, which has its head office in Manchester, Greater Manchester. ... The Catholic Building Society is a UK building society based in Westminster, London. ... Newbury Building Society was established in 1856 and is one of the oldest surviving building societies in the South of England. ... The City of Derry Building Society is a UK building society based in Derry, County Londonderry, Northern Ireland. ... The Darlington Building Society is a UK building society, which has its head office in Darlington, County Durham. ... The Century Building Society is a building society based in Edinburgh. ... (Redirected from 12 September) September 12 is the 255th day of the year (256th in leap years). ... For the Manfred Mann album, see 2006 (album). ... The Financial Services Authority (FSA) is an independent non-departmental public body and quasi-judicial body that regulates the financial services industry in the United Kingdom. ... (Redirected from 23 April) April 23 is the 113th day of the year in the Gregorian Calendar (114th in leap years). ... 2007 (MMVII) is the current year, a common year starting on Monday of the Gregorian calendar and the CE era. ... (Redirected from 28 August) August 28 is the 240th day of the year in the Gregorian Calendar (241st in leap years), with 125 days remaining. ... 2007 (MMVII) is the current year, a common year starting on Monday of the Gregorian calendar and the CE era. ...


Other countries

  • Australia: In Australia, building societies evolved along British lines. Because of strict regulations on banks, building societies flourished until the deregulation of the Australian financial industry in the 1980s. Eventually many of the smaller building societies disappeared, while some of the largest (such as St. George) officially attained the status of banks.

BRD-SG in IaÅŸi - A small branch dedicated to retail services For other uses, see Bank (disambiguation). ... The 1980s refers to the period where corey sucks peters and has a not little to look at his little penis of and between 1980 and 1989. ... St. ... A savings and loan association is a financial institution which specializes in accepting savings deposits and making mortgage loans. ...

Mentions in literature

In Harold Pinter's The Birthday Party, Goldberg berates Stanley saying, "No society would touch you. Not even a building society." Harold Pinter, CH, CBE (born 10 October 1930) is a British playwright, screenwriter, poet, actor, director, author, and political activist, best known for his plays The Birthday Party (1957), The Caretaker (1959), The Homecoming (1964), and Betrayal (1978), and for his screenplay adaptations of novels by others, such as The... The Birthday Party is the second play by Harold Pinter. ...


References

Wikisource has an original article from the 1911 Encyclopædia Britannica about:
Building Societies
  1. ^ a b Building Societies Association
  2. ^ Building Society Takeovers and Flotations Building Societies Association website (Retrieved 5 April 2007)
  3. ^ Building Society Mergers and Conversions since 1980 Building Societies Association website (Retrieved 5 April 2007)

Image File history File links Wikisource-logo. ... The original Wikisource logo. ... Encyclopædia Britannica, the 11th edition The Encyclopædia Britannica Eleventh Edition (1910–1911) is perhaps the most famous edition of the Encyclopædia Britannica. ... April 5 is the 95th day of the year in the Gregorian calendar (96th in leap years). ... 2007 (MMVII) is the current year, a common year starting on Monday of the Gregorian calendar and the CE era. ... April 5 is the 95th day of the year in the Gregorian calendar (96th in leap years). ... 2007 (MMVII) is the current year, a common year starting on Monday of the Gregorian calendar and the CE era. ...

See also

This article, image, template or category belongs in one or more categories. ... A mutual organization (or society) is a cooperative organization (which is often, but not always, a company or business) based on the principle of mutuality. ... This is a list of topics related to the United Kingdom. ... The term demutualization (or demutualisation) describes the process by which mutual organizations or companies (mutuals) convert themselves to for-profit (or profit-making) public companies which distribute profits to their shareholders in the form of dividends. ...

External Links

  • Building Societies Association
  • The History of Building Societies from the Building Societies Association website.

  Results from FactBites:
 
Building society at AllExperts (794 words)
Over succeeding decades the number of societies has decreased, as various societies merged to form larger ones, often renaming in the process: most of the existing larger building societies are the end result of the mergers of many smaller societies.
Building societies, in the classic form, were mutual organisations, jointly owned by those saving and borrowing.
In the end, after a number of large demutualisations, and pressure from carpetbaggers moving from one building society to another to cream off the windfalls, most of the remaining societies modified their rules of membership in the late 1990s.
Building Societies (5231 words)
Lloyds Takeover of Cheltenham and Gloucester Building Society.
Building societies are mutual societies, are owned by their members for the benefit of members, that is of both savers and borrowers alike.
Customers cease to be members of a building society and become customers of a bank, thereby losing the right to elect board members, and have a say in the management of the institution by attending annual general meetings and voting on key issues.
  More results at FactBites »

 
 

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