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OF THE

Insfitute of Bankers.

(FOUNDED 1879.)

Vol. XIX.-YEAR 1898.

London:
BLADES, EAST & BLADES, PRINTERS, 23, ABCHURCH LANE, E.C.

1898.

FOUNDED 1879.

J. Clark
Ref.at,

M.P.,

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President.
ROBERT WILLIAMS, Esq., M.P.

Vice-Presidents.
H. F. BILLINGHURST, ESQ.

W. MOKEWAN, ESQ. HAMMOND CHUBB, Esq.

RICHARD B. MARTIN, ESQ., M.P

GEORGE RAE, Esq. W. FOWLER, ESQ.

T. G. ROBINSON, ESQ. J. HOWARD GWYTHER, ESQ.

HON. H. D. RYDER.
W. HOWARD, ESQ.

THOS. SALT, Esq.
RT. HON. SIR JOHN LUBBOCK, BART., F. 0. SCHUSTER, ESQ.
F.R.S.

ROBERT SLATER, Esq.
J. HERBERT TRITTON, Esq.

Trustees.
Rt. Hon. SiR CHF LUBBOCK, BART., M.P. RICHARD B. MARTIN, Esq., M.P.

GEORGE RAE, Esq.

Treasurer.
RICHARD B. MARTIN, ESQ., M.P.

Conncil.
HORACE GEORGE BOWEN

Bank of England. ROBERT CAMPBELL

National Bank of India, Limited. NATHANIEL CORK ..

Commercial Banking Company of Sydney, Ltd. J. W. CROSS

London and Provincial Bank, Limited. ROBERT DAVIDSON..

Bank of Scotland. HENRY DEAN

London and County Bank, Limited. SIR JOSEPH 000KFIELD DIMSDALE Prescott, Dimsdale and Co., Limited. JOHN DUN

Parr's Bank, Limited. W. FIDGEON ..

National Provincial Bank of England, Limited. OHAS. GOW

London Joint Stock Bank, Limited. LUKE HANSARD

Martin's Bank, Limited. G. A. HARVEY

Capital and Counties Bank, Limited. A. S. HARVEY

Messrs. Glyn, Mills, Currie & Co. ALFRED HOARE..

Messrs. Hoare. ALEXANDER LANG

Bank of Montreal. GEO. MARJORIBANKS

Messrs. Coutts & Co. R. H. INGLIS PALGRAVE, F.R.S. Barclay & Company, Limited, Great Yarmouth. F. G. HILTON PRICE

Messrs. Child & Co. HENRY SMITH

London and Westminster Bank, Limited. MARTIN RIDLEY SMITH

Messrs. Smith, Payne & Smiths. GEORGE A. TUOK ER

Union Bank of London, Limited. J. L. WHELEN

National Bank, Limited. T R. WILKINSON

Williams Deacon and Manchester and Salford

Bank, Limited, Manchester.

Honorary Secretaries.
LUKE HANSARD

Martin's Bank, Limited.
J. L. WHELEN

National Bank, Limited.

Bankers.
MARTIN'S BANK, Limited, 68, Lombard Street.

Solicitors.
MESSRS. JANSON, COBB & PEARSON, 41, Finsbury Circus, E.O.

Secretary
W. TALBOT AGAR.

offices.
34, CLEMENT'S LANE, E.C.

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VOL. XIX.

//

PARTI The Institute of Bankers.

JANUARY, 1898.

THE INAUGURAL ADDRESS OF THE PRESIDENT,

ROBERT WILLIAMS, Esq., M.P.

[Delivered before the Institute on Wednesday, December 1st, 1897.]

INTRODUCTORY.

B

EFORE referring to the work of the Institute during the

past year, which has usually been the first topic touched upon by my predecessors in this chair, I must thank

you for the honour you have conferred upon me by electing

me to the office of President, and my thanks are also due to you for allowing me to deliver my address somewhat out of the usual course.

PROGRESS OF THE INSTITUTE. As one of the original members of Council, I have had the pleasure of closely watching the gradual growth of the Institute from its comparatively small beginnings in 1878 to its assured position at the present time, and it is a great satisfaction to me as President to-night to be honestly able to follow the example of my predecessors, and to unfold a flourishing state of affairs.

Our total numbers are still on the increase, more especially, I am glad to say, in the rank of ordinary members, which shows how the educational and other advantages of the Institute are becoming more and more appreciated by those who, to some extent at any rate, have yet to acquire the necessary knowledge for their profession. The number of Candidates for our examinations, which had remained stationary in 1896, was again unprecedentedly large in 1897, being 518, as against 441 in 1896, and 442 in 1895, and I am informed by our Secretary that, so far as he is able to judge by present indications, 1898 will probably show a further increase on this large number. This is a source of great gratification to the Council, whose thanks, and indeed those of the Institute generally—are due to the Institutes in Liverpool, Manchester, and to those Fellows and others without whose help it would be impossible to carry out the work in the provinces.

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