i

TH

HE Ordinary Meetings of the Institute for the reading and discussion of Papers are held in the Theatre of the London Institution, Finsbury Circus, E.C., on the first Wednesday of the months November to May inclusive.

Notice of Meetings, Titles of Papers, and of the Dates assigned to them, will be given from time to time in the Journal, or by advertisement in the principal papers about one week before each meeting. Notice will also be sent to Fellows and Associates of the discussion of any Questions on points of practical interest at the above meetings.

Visitors may obtain a card of admission to the Ordinary Meetings on the presentation to the Secretary, at the Offices of the Institute, of an introduction from a Fellow or Associate. This privilege may, however, under certain circumstances, have to be restricted.

Members and others are invited to submit to the Council, for their approval, papers on any subjects of general interest to the Profession, with a view to such papers being read at one of the Ordinary Meetings of the Institute.

To enable the Council to carry into effect one of the primary objects of the Institute, viz., the discussion of matters of interest to the Profession, they invite Fellows and others to acquaint them, through the Secretary, with any Questions on points of practical interest which may from time to time arise, so that, should it be deemed advisable, due notice being given, such questions may be fully discussed at one of the Ordinary Meetings of the Institute, or answered through the Journal as the Council may determine.

If not out of print, members may obtain a single copy of each of the back numbers of the Journal at the reduced price of 1s. each. A few volumes bound in morocco can be obtained at 15s. each volume.

The Journal is for the present published in eight consecutive months, namely, from December to the June following, with a further issue of one or two numbers during the Autumn. The date of publication is on or about the first day of the months named.

To ensure punctual delivery, Members are especially requested to inform the Secretary, without delay, of any change in their Addresses.

The Dates of Meetings are distinguished by large black figures.

ELECTIONS.

The following completes the List of Elections up to the present

time :

JOHN HOWARD ARCHER

CHARLES HENRY COULSON

FELLOWS.

...

London and Midland Bank, Limited,
Waterloo Street, Birmingham.
Crompton and Evans Union Bank, Ltd.,
Derby.

EDWARD BAVERSTOCK MERRIMAN Capital and Counties Bank, Limited, 39,

ALFRED ERNEST WEBSTER

JOHN GARROD BARNES

...

...

Threadneedle Street, E.C.

The Freehold Investment and Banking
Co. of Australia, Ltd., 3, Lothbury, E.C.
ASSOCIATES.

Alliance Bank, Limited, High Street,
Kensington, W.

JOHN WILLIAM RUSSELL BAXTER Bradford Old Bank, Idle, Bradford.
JETHRO BRACHER

Lloyds Bank, Limited, Evesham.

Bristol and West of England Bank,
Cheltenham.

Capital and Counties Bank, Limited,
Brighton.

Halifax Joint Stock Bank, Limited,
Bradford.

Messrs. Schuster, Son & Co., 90, Cannon
Street, E.C.

Lloyds Bank, Limited, Hereford.

Knaresborough and Claro Bank, Limited,
Ripon.

Alliance Bank, Limited, 30, Victoria
Road, Battersea Park, S.W.

Halifax and Huddersfield Union Bank,
Limited, Elland.

Wilts and Dorset Bank, Limited,
Marlborough.

Capital and Counties Bank, Ltd., Havant.
Capital and Counties Bank, Limited,
Andover.

Capital and Counties Bank, Ltd., Alford.
Bristol and West of England Bank,
Limited, Bristol.
Birmingham

District and Counties
Bank, Limited, Smethwick.

London and Midland Bank, Limited,
Waterloo Street, Birmingham.

Leicestershire Bank, Ltd., Uppingham.
North and South Wales Bank, Limited,
Llanrwst.

Capital and Counties Bank, Ltd.,Odiham.
Cumberland Union Bank, Limited,

Cockermouth.

Lancashire and Yorkshire Bank, Ltd.,
Sowerby Bridge.

Lancashire and Yorkshire Bank, Ltd.,
Dewsbury.

Craven Bank, Limited, Bradford.

Capital and Counties Bank Ltd., Lincoln.

ORDINARY

MEMBERS.

Ulster Bank, Limited, Lisnaskea.
Chartered Bank of India, Australia, and
China, Hatton Court, E.C.

London and County Bank, Ltd., Hertford.
Northamptonshire Union Bank, Limited,
Northampton.

Chartered Bank of India, Australia, and
China, Hatton Court, E.C.

Lancashire & Yorkshire Bk., Ld., Burnley.
New Oriental Bank Corporation, Limited,
40, Threadneedle Street, E.C.
Chartered Bank of India, Australia, and
China, Hatton Court, E.C.

London and Westminster Bank, Limited,
214, High Holborn, W.C.

Bank of England, E.C.

The African Banking Corporation. Ltd.,
43, Threadneedle Street, E.C.
Chartered Bank of India, Australia, and
China, Hatton Court, E.C.

Leicestersh. Bk., Ld., Market Harborough.
Chartered Bank of India, Australia, and
China, Hatton Court, E.C.

Capital and Counties Bank, Ltd.. Ryde.
Chartered Bank of India, Australia, and
China, Hatton Court, E.C.

Manchester and County Bk., Ld., Burnley.
Chartered Bank of India, Australia, and
China, Hatton Court, E.C.

Messrs. Vaile and Carew, 71, Cornhill, E.C.
Lloyds Bank, Limited, Hastings.
London and County Bank, Limited, High
Holborn, W.C.

Parr's Bank, Ltd., 77, Lombard St., E.C.
Halifax Joint Stock Bank, Ltd., Bradford
Capital and Counties Bank, Limited,
Stow-on-the-Wold.

North & South Wales Bk., Ld., Liverpool.
Forening's Bank, Helsingfors, Finland.
National Provincial Bank of England,
Limited, Newcastle-under-Lyne.
Chartered Merc. Bank of India, London
and China, 65, Old Broad Street, E.C.
Chartered Bank of India, Australia, and
China, Hatton Court, E.C.
National Bank of Wales, Ltd., Bridgend.

NOTICE. LECTURES ON POLITICAL ECONOMY.

Those at the CITY OF LONDON COLLEGE commence on October 5th.

The President's Address will be delivered on Wednesday, November

4th, at 6 p.m.

The Institute of Bankers.

OCTOBER, 1891.

ON CHANGES IN THE BANK RATE OF DISCOUNT; FIRST, THEIR CAUSES; AND SECONDLY, THEIR

LECTURES ON POLITICAL ECONOMY.

In the event of a sufficient number of Candidates presenting themselves, PROFESSOR FOXWELL proposes to deliver, during the winter, a Course of Lectures on this subject.

These Lectures, which will specially refer to our Examinations, will commence in October, and will be delivered at UNIVERSITY COLLEGE, GOWER STREET, on Mondays, at 7 p.m. The Fee will be One Guinea.

Intending Candidates are requested to send in their names, at once, to the SECRETARY of the Institute, 34, CLEMENT'S LANE, E.C.

Influence of the seasons (harvest and holidays).

Scotch and Irish note circulation.

Supply of gold from the mines.

Undue absorption of capital.

Political and financial arrangements of governments.

B