Banking Principles and Practice (Dodo Press) by E. L. Stewart Patterson

By E. L. Stewart Patterson

Edward Lloyd Stewart Patterson (1869- 1932) was once a Canadian writer. He used to be Superintendent of japanese Township Branches, Canadian financial institution of trade. His works comprise Banking rules and perform (1917). "It will be most unlikely in the slim confines of 1 quantity to deal exhaustively with so broad a subject matter as that of Canadian banking perform, however it is was hoping that the components of this topic handled herein should be came upon to be handled with due regard to their relative value, and that no particularly crucial details has been ignored. "

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If any British or American gold is paid out by tourists or others, it is immediately exchanged or deposited at a bank. The total amount of circulating notes in the hands of the public on June 30, 1913, was, in round figures, $127,500,000, of which $105,700,000,1 (or over 82 per cent) was in the form of bills issued by the chartered banks, the balance $21,800,000, being in the form of Dominion notes. These figures will give an idea of the important part the bank circulation has played in the upbuilding of the country.

80 1905...... 64 58 - 79 - 85 1906...... 71 61 - 86 Oct. 95 1907 76 68 - 69 Nov. 96 1908...... 71 67 - 86 - 96 1909...... 74 66 - 92 - 97 1910...... 82 73 - 99 - 100 1911...... 90 77 - 112 - 108 1912...... 100 88 - 120 Dec. 115 An examination of the average circulation shows a more or less steady annual increase from $50,000,000 in 1901 to $100,000,000 in 1912, and there is only one break in the upward tendency. In 1907 the average had reached $76,000,000, but in 1908 dropped to $71,000,000, a loss of $5,000,000, which was not fully covered even in 52 Banking Principles and Practice 1909 with its banner crops, the average for that year being $74,000,000.

June, especially during the last three or four years, has shown a very considerable rise in circulation; then navigation opens, the large lumber drives are completed and the men paid off. Payments for dairy products increase in amount and general activity prevails thruout the country. July is a redemption month, and generally shows a considerable falling off; factories are closed down for repairs and stock taking, and the steady circulation of factory pay-day asserts itself by its absence. In addition to this the summer exodus to the seaside and to 56 Banking Principles and Practice Europe begins with the consequent purchase of traveling funds.

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