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Salvage Ethnography in the Financial SectorThe Path to Economic Crisis in Scotland$
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Jonathan Hearn

Print publication date: 2017

Print ISBN-13: 9780719087998

Published to Manchester Scholarship Online: January 2018

DOI: 10.7228/manchester/9780719087998.001.0001

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History: from the Bank of Scotland’s origins to HBOS and crisis

History: from the Bank of Scotland’s origins to HBOS and crisis

(p.14) 2 History: from the Bank of Scotland’s origins to HBOS and crisis
Salvage Ethnography in the Financial Sector

Jonathan Hearn

Manchester University Press

This chapter recounts the history of the Bank of Scotland from its creation, through the formation of HBOS, up to the present, in the context of the development of the British banking sector. It also secondarily traces the history of the Halifax. It aims to provide a wide historical frame within which to interpret the recent events in the banking sectors, including the demise of HBOS and the banking crisis. It advocates a ‘light touch’ social evolutionary perspective, in which social change is viewed as the outcome of developing competition between organisations, and an evolving ecology among banking and financial organisations. It emphasises that the wider context of these developments, and for the formation of banks in the first place, is the relationship between the state and economic actors.

Keywords:   History of banking, Social evolution, Social change, Bank of Scotland, Halifax, HBOS

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