| 31. | The presidency banks dominated banking in India but there were also some exchange banks and a number of Indian joint stock banks.
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| 32. | The Bank of NSW was the second in the settlement, after the Australian Joint Stock Bank which had opened a month earlier.
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| 33. | 1911 "'The Carlisle and Cumberland Bank "'was formed in 1836, Carlisle being entirely destitute of a native joint stock bank establishment .
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| 34. | Indian joint stock banks were generally under capitalised and lacked the experience and maturity to compete with the presidency and exchange banks.
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| 35. | Gurney's Bank in Norwich was at that time in the hands of Barclays " to meet the competition of the joint stock banks.
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| 36. | The Australian Joint Stock Bank foreclosed on the mortgage and plant from the operation was sold at auction in Sydney in December 1867.
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| 37. | It expanded and changed name, taking over a Ramsgate bank, and being known as the Counties Joint Stock Bank and English Joint-Stock Bank.
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| 38. | It was constituted as a joint stock bank in 1836 under the Halifax Commercial name, its immediate predecessor having been Rawdon Briggs and Sons.
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| 39. | This pamphlet launched a strong attack on the monopoly position of the Bank of England and proposed the setting up of joint stock banks.
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| 40. | The Allahabad Bank, established in 1865 and still functioning today, is the oldest Joint Stock bank in India, it was not the first though.
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