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A building society is a financial institution owned by its members as a mutual organization, which offers banking and related financial services, especially savings and mortgage lending. They exist in the United Kingdom, Australia and New Zealand, and formerly in Ireland and several Commonwealth countries, including South Africa as mutual banks. They are similar to credit unions, but rather than promoting thrift and offering unsecured and business loans, the purpose of a building society is to provide home mortgages to members. Borrowers and depositors are society members, setting policy and appointing directors on a one-member, one-vote basis. Building societies often provide other retail banking services, such as current accounts, credit cards and personal loans. The term "building society" first arose in the 19th century in Great Britain from cooperative savings groups.
The Brisbane River is the longest river in South East Queensland, Australia, and flows through the city of Brisbane, before emptying into Moreton Bay on the Coral Sea. John Oxley, the first European to explore the river, named it after the Governor of New South Wales, Sir Thomas Brisbane in 1823. The penal colony of Moreton Bay later adopted the same name, eventually becoming the present city of Brisbane. The river is a tidal estuary and the water is brackish from its mouth through the majority of the Brisbane metropolitan area westward to the Mount Crosby Weir. The river is wide and navigable throughout the Brisbane metropolitan area.
Brisbane is the capital of the state of Queensland and the third-most populous city in Australia and Oceania, with a population of approximately 2.6 million. Brisbane lies at the centre of South East Queensland, which includes several other regional centres and cities. The central business district is situated within a peninsula of the Brisbane River about 15 km (9 mi) from its mouth at Moreton Bay. Brisbane is located in the hilly floodplain of the Brisbane River Valley between Moreton Bay and the Taylor and D'Aguilar mountain ranges. It sprawls across several local government areas, most centrally the City of Brisbane. The demonym of Brisbane is Brisbanite.
Bendigo and Adelaide Bank, is an Australian financial institution, operating primarily in retail banking. The company was formed by the merger of Bendigo Bank and Adelaide Bank in November 2007.
Alliance & Leicester plc was a British bank and former building society, formed by the merger in 1985 of the Alliance Building Society and the Leicester Building Society. The business demutualised in the middle of 1997, when it was floated on the London Stock Exchange. It was listed in the FTSE 250 Index, and had been listed in the FTSE 100 Index from April 1997 until June 2008.
The Bank of Queensland (BOQ), formerly known as the Brisbane Permanent Benefit Building and Investment Society (BPBBIS) between 1874–1970, is an Australian retail bank with headquarters in Brisbane, Queensland. The bank is one of the oldest financial institutions in Queensland, having begun as a building society. It now has 111 owner-managed branches throughout Australia, including thirty-six corporate branches and third-party intermediaries. They also have over 2,300 ATMs.
St.George Bank is an Australian bank with its headquarters in Sydney. Since a 2008 merger, the bank has been part of Westpac, having previously been an independent legal entity. In 2010, St.George was deregistered as a company and ceased to be a standalone authorised deposit-taking institution.
Banking in Australia is dominated by four major banks: Commonwealth Bank, Westpac, Australia & New Zealand Banking Group and National Australia Bank. There are several smaller banks with a presence throughout the country which includes Bendigo and Adelaide Bank, Suncorp Bank, and a large number of other financial institutions, such as credit unions, building societies and mutual banks, which provide limited banking-type services and are described as authorised deposit-taking institutions (ADIs). Many large foreign banks have a presence, but few have a retail banking presence. The central bank is the Reserve Bank of Australia (RBA). The Australian government’s Financial Claims Scheme guarantees deposits up to $250,000 per account-holder per ADI in the event of the ADI failing.
The Redcliffe Peninsula is a peninsula located in the City of Moreton Bay in the northeast of the Brisbane metropolitan area in Queensland, Australia. The area covers the suburbs of Clontarf, Kippa-Ring, Margate, Newport, Redcliffe, Rothwell, Scarborough and Woody Point.
Suncorp Group Limited is an Australian finance, insurance, and banking corporation based in Brisbane, Queensland, Australia. It is one of Australia's mid-size banks and its largest general insurance group, formed on 1 December 1996 by the merger of Suncorp, Metway Bank and the Queensland Industry Development Corporation (QIDC).
The Adelaide Bank was a publicly listed bank with its head office in Adelaide, South Australia. It was established on 1 January 1994 from the Co-operative Building Society of South Australia Limited, which was Australia's largest building society as a result of a merger with the Hindmarsh Building Society. On 9 August 2007 it merged with Bendigo Bank to form Bendigo and Adelaide Bank Limited, and Adelaide Bank shares ceased to be quoted on the top 100 ASX for companies with more than 110,000 shareholders. Since 2008 the new entity has been known as the Bendigo and Adelaide Bank.
The Shire of Boonah was a local government area in South East Queensland, Australia, about 80 kilometres (50 mi) southwest of Brisbane. The shire covered an area of 1,921.6 square kilometres (741.9 sq mi), and existed from 1880 until its merger with parts of the Shire of Beaudesert and City of Ipswich to form the Scenic Rim Region on 15 March 2008.
The Shire of Moreton was a local government area in South East Queensland, Australia, located about 50 kilometres (31 mi) southwest of Queensland's capital, Brisbane. It represented an area surrounding but not including Ipswich, and existed from 1917 until 1995, when it merged into the City of Ipswich, City of Brisbane, and Shire of Esk.
National Westminster Bank, trading as NatWest, is a major retail and commercial bank in the United Kingdom based in London, England. It was established in 1968 by the merger of National Provincial Bank and Westminster Bank. In 2000, it became part of The Royal Bank of Scotland Group, which was re-named NatWest Group in 2020. Following ringfencing of the group's core domestic business, the bank became a direct subsidiary of NatWest Holdings; NatWest Markets comprises the non-ringfenced investment banking arm. The British government currently owns 35% of NatWest Group after spending £45 billion bailing out the lender in 2008; the proportion at one point was 54.7%. NatWest International is a trading name of RBS International, which also sits outside the ringfence.
Thomas Welsby was an Australian businessman, author, politician, and sportsman based in Queensland. He was a Member of the Queensland Legislative Assembly from 1911 to 1915.
The Shire of Normanby is a former local government area in the south-east of Queensland, Australia. Its administrative centre was in Harrisville.
P&N Bank is a division of Police & Nurses Limited and is an Australian customer-owned bank based in Western Australia. Operating under a mutual model, P&N Bank provides retail banking services such as home loans, savings accounts, and insurance services. The bank has a network of branches throughout greater Perth and Bunbury and has a Perth based Contact centre which is open 6 days a week.
Community First Bank is an Australian member or customer-owned community-focused bank established in Sydney in 1959 as Sydney Water Board Officers Credit Union with branches in Sydney and the central coast region
Ipswich & West Moreton Building Society is a heritage-listed building society office at 45 East Street, Ipswich, City of Ipswich, Queensland, Australia. It was designed by Francis Drummond Greville Stanley and built from 1888 to 1950s by Peter Brown. It was added to the Queensland Heritage Register on 21 October 1992.
Suncorp Bank is a part of the Suncorp Group, with head offices in Brisbane, Australia. From its beginnings in 1902 as the Queensland Agricultural Bank, Suncorp Bank has grown into the sixth largest bank in Australia.
References
- 1 2 "Removals from the Official List 2000". Fact Book 2001 (PDF). ASX. p. 42. Archived from the original (PDF) on 2 February 2007. Retrieved 15 February 2007.
- ↑ "Ipswich & West Moreton Building Society". 8 December 2006. Archived from the original on 13 October 2004. Retrieved 15 February 2007.
- ↑ Ayling, Phil (15 December 1997). "Building society mergers to create provincial bank". Australian Banking & Finance . Archived from the original on 23 May 2009. Retrieved 15 February 2007.
- ↑ "AFIC Annual Report Building Society Review". Australian Financial Institution Commission . 1997. Archived from the original on 28 September 2007. Retrieved 15 February 2007.
- ↑ "Bendigo Bank and First Australian to merge". 5 June 2000. Retrieved 15 February 2007.
- ↑ "New director joins the board of Bendigo Bank". 1 March 2006. Retrieved 15 February 2007.[ permanent dead link ]
