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North India
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Further information: Administrative divisions of India
Further information: Zonal Council
Further information: Cultural Zones of India
North India
Country
India
States and territories[1][2][3]
Jammu and Kashmir
Himachal Pradesh
Punjab
Chandigarh
Uttarakhand
Haryana
Delhi
Rajasthan
Uttar Pradesh

Other states sometimes included
Bihar
Gujarat
Madhya Pradesh
West Bengal

Largest city
Delhi
Time zone
IST (UTC+5:30)
Official languages
Hindi
English
Urdu
Punjabi
Kashmiri
Dogri
North India is a loosely defined region consisting of the northern part of India. The dominant geographical features of North India are the Indus-Gangetic Plain and the Himalayas, which demarcate the region from the Tibetan Plateau and Central Asia.
The term North India has varying definitions—the Ministry of Home Affairs in its Northern Zonal Council Administrative division included the states of Haryana, Himachal Pradesh, Jammu and Kashmir, Punjab and Rajasthan and Union Territories of Delhi, Chandigarh.[1][4] while the Ministry of Culture in its North Culture Zone includes the state of Uttarakhand but excludes Delhi[2] whereas the Geological Survey of India includes Uttar Pradesh and Delhi but excludes Rajasthan and Chandigarh.[3] Other states sometimes included are Bihar, Gujarat, Madhya Pradesh and West Bengal.[5][6][7][8][9][10][11]
North India has been the historical centre of the Mughal, Delhi Sultanate and British Indian Empires. It has a diverse culture, and includes the Hindu pilgrimage centres of Char Dham, Haridwar, Varanasi, Ayodhya, Mathura, Allahabad, Vaishno Devi and Pushkar, the Buddhist pilgrimage centres of Bodhgaya, Sarnath and Kushinagar, the Sikh Golden Temple as well as world heritage sites such as the Nanda Devi Biosphere Reserve, Khajuraho temples, Hill Forts of Rajasthan, Jantar Mantar (Jaipur), Bhimbetka Caves, Sanchi monuments, Qutb Minar, Red Fort, Agra Fort, Fatehpur Sikri and the Taj Mahal.
The languages that have official status in one or more of the states and union territories located in North India are Hindi, Urdu, Punjabi, Kashmiri/Koshur, Dogri and English.[12]
Contents
[hide]
1 Definitions
1.1 Government of India definitions
1.2 Wider definition
1.2.1 Indian press definition
1.2.2 Latitude-based definition
1.2.3 Anecdotal usage
2 History
2.1 "North of the Vindhyas"
2.2 Muslim, Central Asian and Afghan impacts as defining influences
3 Geography
3.1 General climate
3.2 Precipitation
3.3 Traditional seasons
4 Demographics
4.1 Religion
4.2 Languages
5 Culture
5.1 Dance
5.2 Clothing
6 Flora and fauna
6.1 Wildlife parks and reserves
7 Places of interest
7.1 Nature
7.2 Pilgrimage
7.3 Historical
8 Universities
9 Economy
10 See also
11 References and bibliography
12 External links
Definitions[edit]
Different authorities and sources define North India differently.
States under Northern India Zonal Council in orange
Government of India definitions[edit]
The Northern Zonal Council is one of the advisory councils, created in 1956 by the States Reorganisation Act to foster interstate cooperation under the Ministry of Home Affairs, which included the states of Chandigarh, Delhi, Haryana, Himachal Pradesh, Jammu and Kashmir, Punjab and Rajasthan.[1][4]
The Ministry of Culture established the North Culture Zone in Patiala, Punjab on 23 March 1985. It differs from the North Zonal Council in its inclusion of Uttarakhand and the omission of Delhi.[2]
In contrast, the Geological Survey of India (part of the Ministry of Mines) included Uttar Pradesh and Delhi in its Northern Region, but excluded Rajasthan and Chandigarh, with a regional headquarters in Lucknow.[3]
Wider definition[edit]
Indian press definition[edit]
The Hindu newspaper puts Bihar, Delhi and Uttar Pradesh related articles on its North pages.[5] Articles in the Indian press have included the states of Bihar,[6] Gujarat,[9][8] Madhya Pradesh, [7] and West Bengal[11][10] in North India as well.
Latitude-based definition[edit]
The Tropic of Cancer, which divides the temperate zone from the tropical zone in the Northern Hemisphere, runs through India, and could theoretically be regarded as a geographical dividing line in the country.[13] Indian states that are entirely above the Tropic of Cancer are Jammu and Kashmir, Himachal Pradesh, Punjab, Haryana, Delhi, Uttarakhand, Uttar Pradesh and Bihar and most of North East Indian states. However that definition would also include major parts of Rajasthan, Madhya Pradesh, Jharkhand and West Bengal and minor regions of Chhattisgarh and Gujarat.
Anecdotal usage[edit]
The term "North Indian" is sometimes used to describe people from Uttar Pradesh and Bihar, often using the term bhaiya (which literally means 'elder brother') in a derogatory sense, though some press reports have contradicted this.[14] In Punjab, people from the same region (Uttar Pradesh and Bihar) are often referred to as Purabias, or Easterners.[15] The Government of Bihar official site places the state in the eastern part of India.[16] Within Uttar Pradesh itself, "the cultural divide between the east and the west is considerable, with the purabiyas (easterners) often being clubbed with Biharis in the perception of the westerners."[17][18]
History[edit]
The empires and dynasties that have ruled parts or all of North India include:
Maurya Empire, 326 – 187 BCE
Indo-Greek Kingdom, c.150 BCE – 10 CE (Menander I conquered Punjab)
Northern Satraps, 1st century BCE to 1st century CE
Gupta Empire, during the reign of Samudragupta, c.335 – c.550 CE
Empire of Harsha, 606 to 647 CE
Pala Empire, 770 to 810 CE
Pratihara Empire, mid-7th to the 11th century
Delhi Sultanate, 1206–1526
Mughal Empire, 1526–1540, then 1555–1857, interrupted briefly by the Sur Empire,
Sur Empire 1540–1556
Sikh Empire 1799–1849
Maratha Empire 1761–1818
British Indian Empire 1858–1947
The Delhi Sultanate, Mughal and British Indian Empires had Delhi as their capital for some or all of their rule.
"North of the Vindhyas"[edit]
See also: Hindi Belt
One demarcation between northern and southern nations has been the Vindhya mountain range.[19] In centuries past this sometimes formed a border during periods of imperial expansion, such as the one ruled by the Gupta emperor Samudragupta.[20] The Vindhyas also find mention in the narrative of Rishi Agastya as a dividing feature between North and South India.[21] The Manusmṛti also describes the southern limit of Aryavarta (i.e. the abode of the Aryans) as being defined by the Vindhya range.[22]
Muslim, Central Asian and Afghan impacts as defining influences[edit]
Several sources consider sizable Muslim populations and deep-seated Islamic, Central Asian and Afghan influences to be defining characteristics of North Indian culture, both linguistically and culturally.[23] Some of these influences are pre-Islamic, such as the Bactrian-originated Kushan Empire (modern day Afghanistan) that maintained twin capitals in Mathura (now in Uttar Pradesh) and Peshawar (in the present-day Pakistani Khyber Pakhtunkhwa province), as well as the Hun confederacies that periodically asserted their rule over large parts of North India.[24]
Geography[edit]
Shilla (7026 m) above the Spiti Valley in Himachal Pradesh
The Thar desert near Jaisalmer, Rajasthan
North India lies mainly on continental India, north of peninsular India.[citation needed][Which part lies on insular India?] Towards its north are the Himalayas which define the boundary between the Indian subcontinent and the Tibetan plateau. To its west is the Thar desert, shared between North India and Pakistan and the Aravalli Range, beyond which lies the state of Gujarat. The Vindhya mountains are, in some interpretations, taken to be the southern boundary of North India.
The predominant geographical features of North India are:
the Indo-Gangetic plain, which spans the states of Punjab, Haryana, Uttar Pradesh and Bihar;
the Himalayas, which lie in the states of Uttarakhand, Himachal Pradesh and Jammu and Kashmir;
the Thar desert, which lies mainly in the state of Rajasthan.
The state of Madhya Pradesh has large areas under forest cover, as do Himachal Pradesh, Uttarakhand and Chhattisgarh.[25]
General climate[edit]
India's Köppen climate classification map[26] is based on native vegetation, temperature, precipitation and their seasonality.(Major categories)
(Am) Tropical monsoon
(Aw) Tropical savanna, wet & dry
(BWh) Hot desert
(BWk) Cold desert
(BSh) Hot semi arid
(Cwa) Subtropical humid summer, dry winter
(Cwb) Subtropical highland, dry wint
North India lies mainly in the north temperate zone of the Earth.[27] Though cool or cold winters, hot summers and moderate monsoons are the general pattern. North India is one of the most climatically diverse regions on Earth. During summer, the temperature often rises above 35 °C across much of the Indo-Gangetic plain, reaching as high as 60 °C in the Thar desert, Rajasthan and up to 49 in Delhi. During winter, the lowest temperature on the plains dips to below 5 °C, and below the freezing point in some states. Heavy to moderate snowfall occurs in Himachal Pradesh, J&K and Uttarakhand. Much of North India is notorious for heavy fog during winters.
Extreme temperatures among inhabited regions have ranged from −45 °C (−49 °F) in Dras, Jammu and Kashmir[28] to 50.6 °C (123 °F) in Alwar, Rajasthan. Dras is claimed to be the second-coldest inhabited place on the planet (after Siberia), with a recorded low of -60 °C.[29][30][31]
Precipitation[edit]
The region receives rain and snow precipitation through two primary weather patterns: the Indian Monsoon and the Western Disturbances. The Monsoon carries moisture northwards from the Indian Ocean, occurs in late summer and is important to the Kharif or autumn harvest.[32][33] Western Disturbances, on the other hand, are an extratropical weather phenomenon that carry moisture eastwards from the Mediterranean Sea, the Caspian Sea and the Atlantic Ocean.[34][35][36][37] They primarily occur during the winter season and are critically important for the Rabi or spring harvest, which includes the main staple over much of North India, wheat.[35] The states of Jammu and Kashmir, Himachal Pradesh and Uttarakhand receive sustained snowfall in winter months.
Traditional seasons[edit]
Northern Indian tradition recognises six distinct seasons in the region: summer (grishma or garmi, May–June), rainy (varsha, July–August), cool (sharad, September–October, sometimes thought of as 'early autumn'), autumn (hemant, November–December, also called patjhar, lit. leaf-fall), winter (shishir or sardi, January–February) and spring (vasant, March–April). The literature, poetry and folklore of the region uses references to these six seasons quite extensively and has done so since ancient times when Sanskrit was prevalent.[38][39][40] In the mountainous areas, sometimes the winter is further divided into "big winter" (e.g. Kashmiri chillai kalaan) and "little winter" (chillai khurd).[41]
Demographics[edit]
The people of North India mostly belong to the Indo-Aryan ethno linguistic branch,[citation needed] and include various ethnic groups such as Brahmins, Rajputs, Banias, Jats, Ahirs, Gurjars, Kolis, Khatris, Kambojs and Dalits.[42][43][44] Other minority ethno-linguistic communities such as Dravidian, Tibeto-Burman and Austroasiatic exist throughout the region.
Religion[edit]
Hinduism is the dominant religion in North India.[citation needed] Other religions practiced by various ethnic communities include Islam, Sikhism, Jainism, Zoroastrianism, Judaism, Bahá'í, Christianity, and Buddhism. The states of Uttarakhand, Rajasthan, Haryana, Madhya Pradesh, Gujarat and Himachal Pradesh are overwhelmingly Hindu. The states of Uttar Pradesh, Bihar and West Bengal have Hindu majorities with a significantly large minority of Muslims; the combined Muslim population of these three states surpasses many of the biggest Islamic nations. Jammu and Kashmir is a Muslim majority state, while Punjab is the only state with a majority Sikh population.
Languages[edit]
Further information: Languages of India, Indo-Aryan languages, and Dravidian languages
Distribution of Indo-Aryan languages.
Linguistically, North India is dominated by Indo-Aryan languages, although subregions of Northern Dravidian languages, Tibeto-Burman languages (such as Himachal's Lahauli language) and Austroasiatic languages (such as Munda) exist throughout the region.[citation needed][Nowhere do we define these subregions] It is in this region, or its proximity, that Sanskrit and the various Prakrits are thought to have evolved.[citation needed] The most widely spoken Indo-Aryan language native to North India is the Hindi Belt, which includes the Hindustani lingua franca (including both its Hindi and Urdu registers),[45][46] a wide range of western and eastern Hindi dialects, (Awadhi, Chattisgarhi), Bihari languages (Bhojpuri, Magadhi), Rajasthani languages (Marwari, Mewari, Shekhawati, Malwi, Bagri), Haryanvi, Pahari, Kumaoni, Garhwali, Punjabi, Kashmiri, Bengali and Nepali. The subregion where the Hindi Belt is widely spoken (as either primary or secondary languages) is sometimes called the Hindi Heartland, and is loosely defined.[47][48][49]
Small speaker populations of two language isolates (Nihali and Burushaski), which are not known to be rooted in any other language families, also exist in North India.[50][51]
Culture[edit]
Dance[edit]
Dance of North India too has diverse folk and classical forms. Among the well-known folk dances are the bhangra of the Punjab, and rouf and bhand pather of Kashmir. Main dance forms, many with narrative forms and mythological elements, have been accorded classical dance status by India's National Academy of Music, Dance, and Drama such as kathak of Uttar Pradesh.
Clothing[edit]
Further information: Punjabi clothing, Jammu dress, and Phiran
Each state of North India has its own regional forms of clothing:
Jammu: Kurta/Dogri suthan and kurta/churidar pajama and kurta.
Kashmir: Phiran and poots.
Himachal Pradesh: Shalwar kameez, Kurta, Churidar, Dhoti and angarkha.
Punjab/Haryana: Salwar (Punjabi) Suit, Patiala salwar, Punjabi Tamba and Kurta, Sikh Dastar, Phulkari, Punjabi Ghagra
Uttarakhand: Rangwali Phichora
Flora and fauna[edit]
Chinkara in Madhya Pradesh, India
Further information: Wildlife of India
North Indian vegetation is predominantly deciduous and coniferous. Of the deciduous trees, sal, teak, walnut, sheesham (Indian rosewood) and poplar are some which are important commercially.[52] The Western Himalayan region abounds in chir, pine, deodar (Himalayan cedar), blue pine, spruce, various firs, birch and junipers.[53][54][55][56] The birch, especially, has historical significance in Indian culture due to the extensive use of birch paper (Sanskrit: bhurja patra) as parchment for many ancient Indian texts.[57][58] The Eastern Himalayan region consists of oaks, laurels, maples, rhododendrons, alder, birch and dwarf willows. Reflecting the diverse climatic zones and terrain contained in the region, the floral variety is extensive and ranges from Alpine to temperate thorn, coniferous to evergreen, and thick tropical jungles to cool temperate woods.[53][59]
There are around 500 varieties of mammals, 2000 species of birds, 30,000 types of insects and a wide variety of fish, amphibians and reptiles in the region. Animal species in North India include elephant, tiger, leopard, snow leopard, sambar (Asiatic stag), chital (spotted deer), hangul (red deer), hog deer, chinkara (Indian gazelle), blackbuck, nilgai (blue bull antelope), porcupine, wild boar, Indian fox, Tibetan sand fox, rhesus monkey, langur, jungle cat, hyena, jackal, black bear, Himalayan brown bear, sloth bear, and the endangered caracal.
Reptiles are represented by a large number of snake and lizard species, as well as the ghariyal and crocodiles.[60] Venomous snakes found in the region include king cobra and krait. Various scorpion, spider and insect species include the commercially useful honeybees, silkworms and lac insects. The strikingly coloured bir bahuti is also found in this region.[61]
The region has a wide variety of birds, including peafowl, parrots, and thousands of immigrant birds, such as the Siberian crane. Other birds include pheasants, geese, ducks, mynahs, parakeets, pigeons, cranes (including the celebrated sarus crane), and hornbills. great pied hornbill, Pallas's fishing eagle, grey-headed fishing eagle, red-thighed falconet are found in the Himalayan areas. Other birds found here are tawny fish owl, scale-bellied woodpecker, red-breasted parakeet, Himalayan swiftlet, stork-billed kingfisher and Himalayan or white-tailed rubythroat.[62][63]
Wildlife parks and reserves[edit]
Important national parks and tiger reserves of North India include:
Jim Corbett National Park
Corbett National Park: It was established in 1936 as Hailey National Park[64] along the banks of the Ramganga River. It is India's first National Park, and was designated a Project Tiger Reserve in 1973. Situated in Nainital district of Uttarakhand, the park acts as a protected area for the critically endangered Bengal tiger of India. Cradled in the foothills of the Himalayas, it comprises a total area of 500 km2 out of which 350 km2 is core reserve. This park is known not only for its rich and varied wildlife but also for its scenic beauty.
Nanda Devi National Park and Valley of Flowers National Park: Located in West Himalaya, in the state of Uttarakhand, these two national parks constitute a biosphere reserve that is in the UNESCO World Network of Biosphere Reserves since 2004. The Valley of Flowers is known for its meadows of endemic alpine flowers and the variety of flora, this richly diverse area is also home to rare and endangered animals.
Dachigam National Park: Dachigam is a higher altitude national reserve in the state of Jammu and Kashmir that ranges from 5,500 to 14,000 feet above sea level. It is home to the hangul (a red deer species, also called the Kashmir stag).
Great Himalayan National Park: This park is located in Himachal Pradesh and ranges in altitude from 5,000 to 17,500 feet. Wildlife resident here includes the snow leopard, the Himalayan brown bear and the musk deer.
Desert National Park: Located in Rajasthan, this national reserve features extensive sand dunes and dry salt lakes. Wildlife unique to the region includes the desert fox and the great Indian bustard.
Kanha National Park: The sal and bamboo forests, grassy meadows and ravines of Kanha were the setting for Rudyard Kipling's collection of stories, "The Jungle Book". The Kanha National Park in Madhya Pradesh came into being in 1955 and forms the core of the Kanha Tiger Reserve, created in 1974 under Project Tiger.
Vikramshila Gangetic Dolphin Sanctuary: Located in the state of Bihar, it is the only protected zone for the endangered Ganges and Indus river dolphin.
Bharatpur Bird Sanctuary: It is one of the finest bird parks in the world, it is a reserve that offers protection to faunal species as well. Nesting indigenous water birds as well as migratory water birds and waterside birds, this sanctuary is also inhabited by sambar, chital, nilgai and boar.
Dudhwa National Park: It covers an area of 500 km2 along the Indo-Nepal border in Lakhimpur Kheri district of Uttar Pradesh, is best known for the barasingha or swamp deer. The grasslands and woodlands of this park, consist mainly of sal forests. The barasingha is found in the southwest and southeast regions of the park. Among the big cats, tigers abound at Dudhwa. There are also a few leopards. The other animals found in large numbers, are the Indian rhinoceros, elephant, jungle cats, leopard cats, fishing cats, jackals, civets, sloth bears, sambar, otters, crocodiles and chital.
Ranthambhore National Park: It spans an area of 400 km2 with an estimated head count of thirty two tigers is perhaps India's finest example of Project Tiger, a conservation effort started by the government in an attempt to save the dwindling number of tigers in India. Situated near the small town of Sawai Madhopur it boasts of variety of plant and animal species of North India.
Kalesar National Park: Kalesar is a sal forest in the Shivalik Hills of eastern Haryana state. Primarily known for birds, it also contains a small number of tigers and panthers.
Places of interest[edit]
Akshardham Temple, Delhi
Nature[edit]
The Indian Himalayas, the Thar desert and the Indo-Gangetic plain dominate the natural scenery of North India. The region encompasses several of the most highly regarded hill destinations of India such as Srinagar, Shimla, Manali, Nainital, Mussoorie, Kausani and Mount Abu. Several spots in the states of Uttarakhand and Himachal Pradesh provide panoramic views of the snow-clad Himalayan range. The Himalayan region also provides ample opportunity for adventure sports such as mountaineering, trekking, river rafting and skiing. Camel or jeep safaris of the Thar desert are also popular in the state of Rajasthan. North India includes several national parks such as the Nanda Devi Biosphere Reserve, Jim Corbett National Park, Keoladeo National Park and Ranthambore National Park.
Pilgrimage[edit]
North India encompasses several of the holiest pilgrimage centres of Hinduism (Varanasi, Haridwar, Allahabad, Char Dham, Vaishno Devi, Rishikesh, Ayodhya, Mathura/Vrindavan, Pushkar, Prayag and seven of the twelve Jyotirlinga sites), the most sacred destinations of Buddhism (Bodh Gaya, Sarnath and Kushinagar), the most regarded pilgrimage centres of Sikhism (Amritsar and Hemkund) and some of the highly regarded destinations in Sufi Islam (Ajmer and Delhi). The largest Hindu temple, Akshardham Temple, the largest Buddhist temple in India, Mahabodhi, the largest mosque in India, Jama Masjid, and the largest Sikh shrine, Golden Temple, are all in this region.[65][66]
Historical[edit]
Amer Fort in Rajasthan
North India includes some highly regarded historical, architectural and archaeological treasures of India. The Taj Mahal, an immense mausoleum of white marble in Agra, is one of the universally admired buildings of world heritage.[67] Besides Agra, Fatehpur Sikri and Delhi also carry some great exhibits from the Mughal architecture. Gwalior has some rich cultural sites. Gwalior Fort, Sun Temple, which was made by Birla group. Also Jai vilas palace shows maharaja culture. In Punjab, Patiala is known for being the city of royalty while Amritsar is a city known for it's Sikh Architecture and the Golden Temple. Lucknow has the famous Awadhi Nawab culture while Kanpur reflects excellent British architecture with monuments like Edward Hall, Police Quarters, Cutchery Cemetery etc. Khajuraho temples constitute another famous world heritage site. The state of Rajasthan is known for exquisite palaces and forts of the Rajput clans. Historical sites and architecture from the ancient and medieval Hindu and Buddhist periods of Indian history, such as Jageshwar, Deogarh and Sanchi, as well as sites from the bronze age Indus Valley Civilization, such as Manda and Alamgirpur, can be found scattered throughout northern India. Varanasi, on the banks of the River Ganga, is considered one of the oldest continuously inhabited cities in the world and the second oldest in India after Nalanda. Bhimbetka is an archaeological site of the Paleolithic era, exhibiting the earliest traces of human life on the Indian subcontinent.
Universities[edit]
North India has several universities, including
Agra University
All India Institute of Medical Sciences
Allahabad University
Aligarh Muslim University
Avadh University
Benaras Hindu University
Birla Institute of Technology and Science
Central University of Rajasthan
Delhi University
Delhi Technological University
Gautam Buddha University
Govind Ballabh Pant University of Agriculture & Technology
Gurukul Kangri University
Guru Jambheshwar University of Science & Technology
Haryana Agricultural University
Jai Narain Vyas University
Jawaharlal Nehru University
Jiwaji University
Kanpur University
Kumaon University
Kurukshetra University
Maharaja Ganga Singh University
Maharana Pratap University
O. P. Jindal Global University,[68]
Panjab University
Patna University
Punjab Technical University
Srm university
University of Ajmer
University of Jammu
University of Kashmir
University of Kota
University of Lucknow
University of Rajasthan
Uttarakhand Technical University
Vardhaman Mahaveer Open University
and many more. The Indian Institute of Technology, National Institute of Technology and Indian Institute of Management have campuses in several cities of North India such as Delhi, Kanpur, Roorkee, Varanasi, Lucknow, Kashipur, Indore and Patna. One of the first great universities in recorded history, the Nalanda University, is in the state of Bihar. There has been plans for revival of this ancient university, including an effort by a multinational consortium led by Singapore, China, India and Japan.
Economy[edit]
Further information: Economy of India
The economy of North India is predominantly agrarian, but is changing fast with rapid economic growth that has ranged above 8% annually. Several parts of North India have prospered as a consequence of the Green Revolution, including Punjab, Haryana and Western Uttar Pradesh, and have experienced both economic and social development.[69][70][71] The eastern areas of East Uttar Pradesh, however, have lagged[72][73] and the resulting disparity has contributed to a demand for separate statehood in West Uttar Pradesh (the Harit Pradesh movement).[74][75] Bihar's economy has been the fastest growing state economy in India, higher than all the Indian states including Gujarat.
However the birth rate in North India is much higher than in other parts of the country and this can lead to poverty and related problems.[76] Joblessness is a critical problem in North India and cannot be tackled easily because of the lack of hi-tech industries in the region. A large number of unskilled and skilled workers have moved to Southern India and other nations because of the unavailability of jobs locally.[77] The technology boom that occurred in the past three decades in Southern India has helped many Indians from the north to find jobs and live prosperous lives in Southern cities.
The states with the highest GDP per capita in North India are Delhi, Haryana, Uttarakhand, Himachal Pradesh and Punjab. The National Capital Region of Delhi has emerged as an economic power house with rapid industrial growth along with adjoining areas of Uttar Pradesh, Haryana and Rajasthan.[78] Chandigarh has the highest per-capita State Domestic Product (SDP) of any Indian union territory.[79]
See also[edit]
India
North-East India
East India
South India
West India
Central India
References and bibliography[edit]
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Jump up ^ Romila Thapar, "Early India: From the Origins to AD 1300", University of California Press, 2003, ISBN 0-520-24225-4.
Jump up ^ "Forest Survey of India - State of Forest Report 2003". Ministry of Environment & Forests, Government of India. Retrieved 2008-10-20.
Jump up ^ Peel, M. C. and Finlayson, B. L. and McMahon, T. A. (2007). "Updated world map of the Köppen–Geiger climate classification". Hydrology and Earth System Sciences. 11: 1633–1644. ISSN 1027-5606. doi:10.5194/hess-11-1633-2007. CS1 maint: Multiple names: authors list (link) (direct: Final Revised Paper)
Jump up ^ Yash Pal Singh, Social Science Textbook for Class IX Geography, VK Publications, ISBN 978-81-89611-15-6, ... The Tropic of Cancer divides India into almost two equal parts. It makes the southern half of India in the Tropical Zone and the northern half in the Temperate zone ...
Jump up ^ "Dras, India Travel Weather Averages". Weatherbase.
Jump up ^ Sarina Singh, "India: Lonely Planet Guide", Lonely Planet, 2003, ISBN 1-74059-421-5.
Jump up ^ H. N. Kaul (1998-01-01), Rediscovery of Ladakh, Indus Publishing, 1998, ISBN 9788173870866, ... With its altitude of 10000 ft. above the sea, Dras is considered to be the second coldest inhabited place in the world after Siberia where mercury sinks as low as -40 °C during winter, though it has also recorded a low of -60 °C ...
Jump up ^ Galen A. Rowell, Ed Reading (June 1980), Many people come, looking, looking, Mountaineers, 1980, ISBN 9780916890865, ... the bleak village of Dras, reportedly the second coldest place in Asia with recorded temperatures of −80 °F (−62 °C) ...
Jump up ^ Vidya Sagar Katiyar, "Indian Monsoon and Its Frontiers", Inter-India Publications, 1990, ISBN 81-210-0245-1.
Jump up ^ Ajit Prasad Jain and Shiba Prasad Chatterjee, "Report of the Irrigation Commission, 1972", Ministry of Irrigation and Power, Government of India, 1972.
Jump up ^ "Western disturbances herald winter in Northern India". The Hindu Business Line. 2005-11-17. Retrieved 2008-10-20.
^ Jump up to: a b Bin Wang, "The Asian Monsoon", Springer, 2006, ISBN 3-540-40610-7.
Jump up ^ R.K. Datta (Meteorological Office, Dum Dum) and M.G. Gupta (Meteorological Office, Delhi), "Synoptic study of the formation and movements of Western Depressions", Indian Journal of Meteorology & Geophysics, India Meteorological Department, 1968.
Jump up ^ A.P. Dimri, "Models to improve winter minimum surface temperature forecasts, Delhi, India", Meteorological Applications, 11, pp 129-139, Royal Meteorological Society, Cambridge University Press, 2004.
Jump up ^ Geography, Yash Pal Singh, pp. 420, FK Publications, ISBN 9788189611859, ... The sequence of the six traditional seasons is correct only for northern and central parts of India ...
Jump up ^ The Life of a Text: Performing the Rāmcaritmānas of Tulsidas, Philip Lutgendorf, pp. 22, University of California Press, 1991, ISBN 9780520066908, ... likening the major episodes of the narrative to various features of the river and its banks, and to the appearance of the river in each of the six seasons of the North Indian year ...
Jump up ^ Essays on North Indian Folk Traditions, Susan Snow Wadley, pp. 226, Orient Blackswan, 2005, ISBN 9788180280160, ... Yet another cultural division of the year views it as six seasons ... This cycle of six seasons, while known and referred to today, is more widely recognised in Sanskrit literature ...
Jump up ^ Systematic Geography Of Jammu And Kashmir, S.A. Qazi, pp. 25, APH Publishing, 2005, ISBN 9788176487863
Jump up ^ Sarat Chandra Roy and Ral Bahadur, "Man in India", A.K. Bose, 1996.
Jump up ^ Kumool Abbi, "Discourse of Zindaginama: A semio-anthropological critique", Harman Publishing House, 2002.
Jump up ^ Kiran Prem, Haryana Gazetteers Organization, "Haryana District Gazetteers", Government of Haryana, 1970.
Jump up ^ Prabodh Bechardas Pandit, "Language in a Plural Society", Dev Raj Chanana Memorial Committee, 1977.
Jump up ^ Robert McHenry, "The New Encyclopædia Britannica", Encyclopædia Britannica, 1993.
Jump up ^ B.L. Sukhwal (1985), Modern Political Geography of India, Stosius Inc/Advent Books Division, ... In the Hindi heartland ...
Jump up ^ Stuart Allan; Barbie Zelizer (2004), Reporting war: journalism in wartime, Routledge, ISBN 0-415-33998-7, ... located in what is called the "Hindi heartland" or the "Hindi belt" of north and central India ...
Jump up ^ B.S. Kesavan (1997), Origins of printing and publishing in the Hindi heartland (Volume 3 of History of printing and publishing in India : a story of cultural re-awakening), National Book Trust, ISBN 81-237-2120-X
Jump up ^ David Lockhart Robertson Lorimer (1938), The Burushaski language, Part I, H. Aschehoug, ... Burushaski has ... small numbers are to be found in Srinagar and down country, even in Bombay ...
Jump up ^ Braj B. Kachru; Yamuna Kachru; S. N. Sridhar (2008), Language in South Asia, Cambridge University Press, ISBN 0-521-78141-8, ... Nihali, which has some 2000 speakers in the Indian state of Maharashtra is generally also regarded as an isolate ...
Jump up ^ N.C. Saxena, "The Saga of Participatory Forest Management in India", Center for International Forestry Research, 1997, ISBN 979-8764-15-3.
^ Jump up to: a b R.L. Singh, "India: A Regional Geography", National Geographical Society of India, 1971.
Jump up ^ Bansi Lal Kaul, "Ecodegradation of Himalayas", Vinod Publishers & Distributors, 1995.
Jump up ^ S.S. Negi, "Himalayan Forests and Forestry", Indus Publishing, 2002, ISBN 81-7387-112-4. Snippet:... Important Himalayan trees are sal, chir pine, deodar, oaks, fir, spruce, rhododendrons, and the giant evergreen trees of the Eastern Himalayas ...
Jump up ^ R.P. Sharma, "The Indian Forester", v.72:6-12 (Jan-June 1946).
Jump up ^ Sanjukta Gupta, "Lakṣmī Tantra: A Pāñcarātra Text", Brill Archive, 1972, ISBN 90-04-03419-6. Snippet:... the text recommends that the bark of the Himalayan birch tree (bhurja-patra) should be used for scribbling mantras ...
Jump up ^ Amalananda Ghosh, "An Encyclopaedia of Indian Archaeology", BRILL, 1990, ISBN 90-04-09264-1. Snippet:... Bhurja-patra, the inner bark on the birch tree grown in the Himalayan region, was a very common writing material ...
Jump up ^ Casey A. Wood, "Through Forest and Jungle in Kashmir and Other Parts of North India: The Annual Smithsonian Institution Report, 1932", Government Printing Office, Washington, D.C., 1933.
Jump up ^ North India Online - India - Flora and Fauna - Animals - Trees - Birds - Mammals - Insects
Jump up ^ John Shakespear (1817), Dictionary: Hindustani and English, Taylor & Francis, ... bir bahuti: a small insect with a back of a bright red colour; the scarlet or lady fly, commonly called the "Rain insect" as it makes its appearance when the first rains have fallen ...
Jump up ^ nimmi. "India Geography - indian rivers, indian flora & fauna wildlife, national symbols in india".
Jump up ^ "Flora & Fauna North India". Archived from the original on 18 August 2007. Retrieved 2007-09-15.
Jump up ^ "Edward Jim Corbett- the legendary hunter who inspired conservation of wildlife".
Jump up ^ Largest Hindu Temple: Guinness World Records
Jump up ^ Masjid-i-Jahan Numa
Jump up ^ Taj Mahal UNESCO » Culture » World Heritage Centre » World Heritage List
Jump up ^ "Obama visit may explore perplexing issues". The Hindu. Retrieved 23 January 2014.
Jump up ^ Mohamad Riad El Ghonemy, "The Dynamics of Rural Poverty", Food and Agriculture Organization of the United Nations, 1986. ... Haryana and West Uttar Pradesh recorded spectacular production increases ...
Jump up ^ V. G. Rastyannikov, "Agrarian Evolution in a Multiform Structure Society: Experience of Independent India", Routledge & Kegan Paul, 1981, ISBN 0-7100-0755-8.
Jump up ^ B. M. Bhatia, "Food Security in South Asia", Oxford & IHB Pub. Co., 1985.
Jump up ^ Robert E. B. Lucas, Gustav Fritz Papanek, "The Indian Economy: Recent Development and Future Prospects", Westview Press, 1988, ISBN 0-8133-7505-3.
Jump up ^ Gilbert Etienne, "Rural Development In Asia: Meetings With Peasants", Sage Publications, 1985, ISBN 0-8039-9495-8.
Jump up ^ Gyanesh Kudaisya, "Region, Nation, Heartland: Uttar Pradesh in India's Body Politic", Sage Publications, 2006, ISBN 0-7619-3519-3.
Jump up ^ "RLD, BSP gear up as Mulayam exit looms". The Tribune, Chandigarh. 2007-02-19. Retrieved 2008-10-18.
Jump up ^ "8 Indian states have more poor than 26 poorest African nations". Times of India.
Jump up ^ "North India vs South India: Who is doing better? Report says South India". India Today Group.
Jump up ^ "Thehindubusinessline.com". Retrieved 2007-11-10.
Jump up ^ "Ministry of Statistics and Programme Implementation - Publications". Government of India. Retrieved 2008-10-18.
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Lloyds Bank
From Wikipedia, the free encyclopedia
Jump to: navigation, search
Not to be confused with Lloyd's of London, Lloyd's List, Lloyds Bank International, Lloyd's Register, or Lloyd Banks.
"Lloyds TSB" redirects here. For the business that was demerged in 2013, see TSB Bank (United Kingdom).
For other uses, see Lloyds Bank (disambiguation).
Lloyds Bank plc
25 Gresham Street
Type
Public limited company
Traded as
Lloyds TSB (1999–2013)
Industry
Financial services
Founded
1765; 253 years ago (1765)
(Taylors and Lloyds)
Headquarters
25 Gresham Street, London, United Kingdom
Key people
Lord Norman Blackwell
(Chairman)
Antonio Horta-Osorio
(CEO)[1]
Products
Banking and Insurance
Operating income
£17.5 billion (2016)[2]
Profit
£16.6 billion (2016)
Total assets
£436 billion (2016, average interest-earning banking assets)
Number of employees
45,856
Parent
Lloyds Banking Group
Subsidiaries
Lloyds Bank International Limited
Lloyds Bank (Gibraltar) Limited
Website
www.lloydsbank.com
Lloyds Bank plc is a British retail and commercial bank with branches across England and Wales. It has traditionally been considered one of the "Big Four" clearing banks.[3] The bank was founded in Birmingham in 1765. It expanded during the nineteenth and twentieth centuries and took over a number of smaller banking companies. In 1995 it merged with the Trustee Savings Bank and traded as Lloyds TSB Bank plc between 1999 and 2013.
The bank is the principal subsidiary of Lloyds Banking Group, which was formed in January 2009 by the acquisition of HBOS by the then-Lloyds TSB Group.[4] That year, following the UK bank rescue package, the British Government took a 43.4% stake in Lloyds Banking Group. As a condition imposed by the European Commission regarding state aid,[5] the group later announced that it would create a new standalone retail banking business, made up of a number of Lloyds TSB branches and those of Cheltenham & Gloucester. The new business began operations on 9 September 2013 under the TSB brand. Lloyds TSB was subsequently renamed Lloyds Bank on 23 September 2013.[6] On 17 March 2017, the British Government confirmed its remaining shares in Lloyds Banking Group had been sold.[7]
Lloyds Bank is the largest retail bank in Britain,[8] and has an extensive network of branches and ATM in England and Wales (as well as an arrangement for its customers to be serviced by Bank of Scotland branches in Scotland, Halifax branches in Northern Ireland and vice versa) and offers 24-hour telephone and online banking services. but LLoyds bank will stop 24 hour telephone banking from 01/04/18 and only service lost & stolen and fraud calls As of 2012[update] it has 16 million personal customers and small business accounts.[9]
It has its operational Headquarters in London and other offices in Wales and Scotland. It also operates a number of office complex, brand headquarters and data centres in Yorkshire including Leeds, Sheffield and Halifax.
Contents
[hide]
1 History
1.1 Origins
1.2 Expansion
1.3 Lloyds TSB
1.4 Divestment and return to Lloyds Bank
2 Services
3 Overseas operations
4 Controversies
4.1 Payment protection insurance
4.2 Links to arms trade
4.3 Tax evasion
4.4 Retail conduct failings
4.5 Divestment of government-owned shares
4.6 Credit cards
4.7 Libor rate manipulations
5 Awards and nominations
6 See also
7 References
7.1 Bibliography
8 External links
History[edit]
Origins[edit]
Sampson Lloyd II (1699 - 1779), Birmingham iron merchant and founder of Lloyds Bank in 1765
The origins of Lloyds Bank date from 1765, when button maker John Taylor and Quaker iron producer and dealer Sampson Lloyd II set up a private banking business in Dale End, Birmingham. The first branch office opened in Oldbury, some six miles (10 km) west of Birmingham, in 1864.[10]
The symbol adopted by Taylors and Lloyds was the beehive, representing industry and hard work. The black horse regardant device dates from 1677, when Humphrey Stokes adopted it as sign for his shop. Stokes was a goldsmith and "keeper of the running cashes" (an early term for banker) and the business became part of Barnett, Hoares & Co. When Lloyds took over that bank in 1884, it continued to trade "at the sign of the black horse".[11]
The association with the Taylor family ended in 1852 and, in 1865, Lloyds & Co. converted into a joint-stock company known as Lloyds Banking Company Ltd. The first report of the company in 1865 stated:
LLOYDS BANKING COMPANY LIMITED – Authorized Capital £2,000,000. FOUNDED ON The Private Banks of Messrs. Lloyds & Co. and Messrs. Moilliet and Sons, with-which have subsequently been amalgamated the Banks of Messrs. P. H. Williams, Wednesbury, and Messrs.Stevenson, Salt, & Co., Stafford and Lichfield. [They had an office at 20 Lombard St., London] Your Directors have the satisfaction to report that they have concluded an agreement with the well-known and old-established firm of Messrs. Stevenson, Salt & Company for the amalgamation with this Company of their Banking Business at Stafford, Lichfield, Rugeley, and Eccleshall, and that this agreement has had the unanimous approval of the Extraordinary General Meeting held on 31st January last. It will be again submitted to you for final confirmation after the close of the Ordinary General Meeting. TIMOTHY KENRICK, Chairman. BIRMINGHAM, 9th February 1866
Two sons of the original partners followed in their footsteps by joining the established merchant bank Barnett, Hoares & Co. which later became Barnetts, Hoares, Hanbury and Lloyd— based in Lombard Street, London. Eventually, this became absorbed into the original Lloyds Banking Company, which became Lloyds, Barnetts and Bosanquets Bank Ltd. in 1884.[12] and, finally, Lloyds Bank Limited in 1889.
Expansion[edit]
Through a series of mergers, including Cunliffe, Brooks in 1900, the Wilts. and Dorset Bank in 1914 and, by far the largest, the Capital and Counties Bank in 1918, Lloyds emerged to become one of the "Big Four" clearing banks in the United Kingdom. By 1923, Lloyds Bank had made some 50 takeovers, one of which was the last private firm to issue its own banknotes—Fox, Fowler and Company of Wellington, Somerset. Today, the Bank of England has a monopoly of banknote issue in England and Wales.[13] In 2011, the company founded SGH Martineau LLP.
In 1968, a failed attempt at merger with Barclays and Martins Bank was deemed to be against the public interest by the Monopolies and Mergers Commission. Barclays finally acquired Martins the following year.[14] In 1972, Lloyds Bank was a founding member of the Joint Credit Card Company (with National Westminster Bank, Midland Bank and the National and Commercial Banking Group) which launched the Access credit card (now MasterCard). That same year it introduced Cashpoint, the first online cash machine to use plastic cards with a magnetic stripe.[15] In popular use, the Cashpoint trademark has become a generic term for an ATM in the United Kingdom.
Under the leadership of Sir Brian Pitman between 1984 and 1997, the bank's business focus was narrowed and it reacted to disastrous lending to South American states by trimming its overseas businesses and seeking growth through mergers with other UK banks. During this period, Pitman tried unsuccessfully to acquire The Royal Bank of Scotland in 1984, Standard Chartered in 1986,[16] and Midland Bank in 1992. Lloyds Bank International merged into Lloyds Bank in 1986, since there was no longer an advantage in operating separately.[17] In 1988, Lloyds merged five of its businesses with the Abbey Life Insurance Company to create Lloyds Abbey Life.
Lloyds TSB[edit]
The Lloyds TSB logotype, used 1995 – 2009 (group) and 1999 – 2013 (bank).
The bank merged first with the newly demutualised Cheltenham & Gloucester Building Society (C&G), then with the TSB Group in 1995.[18][19] The C&G acquisition gave Lloyds a large stake in the UK mortgage lending market.[20] The TSB merger was structured as a reverse takeover; Lloyds Bank Plc was delisted from the London Stock Exchange and TSB Group plc was renamed Lloyds TSB Group plc on 28 December, with former Lloyds Bank shareholders owning a 70% equity interest in the share capital, effected through a scheme of arrangement. The new bank commenced trading in 1999, after the statutory process of integration was completed.[21] On 28 June, TSB Bank plc transferred engagements to Lloyds Bank Plc which then changed its name to Lloyds TSB Bank plc; at the same time, TSB Bank Scotland plc absorbed Lloyds' three Scottish branches becoming Lloyds TSB Scotland plc. The combined business formed the largest bank in the UK by market share and the second-largest to Midland Bank (now HSBC) by market capitalisation. Lloyds' iconic black horse device was retained and modified to reflect the TSB merger.[22][23]
Lloyds Abbey Life became a wholly owned subsidiary of the group in 1996, absorbing Hill Samuel in 1997, before closing to new business in 2000. In 2007, Abbey Life was sold to Deutsche Bank for £977 million.[24]
In 1999, the group agreed to buy the Scottish Widows Fund and Life Assurance Society for £7 billion.[25] The society demutualised in 2000, shortly before the acquisition was completed.[26] In 2001, Lloyds TSB made a bid to acquire Abbey National; however, the bid was blocked by the Competition Commission, who ruled that a merger would be against the public interest.[27]
In October 2011, Lloyds TSB's credit rating was reduced by Moody's from Aa3 to A1.[28] The action was taken in the light of a shift in government policy to move risk from taxpayers to creditors by reducing the level of support offered to financial institutions.
Lloyds TSB was the first Official Partner for the 2012 Summer Olympics in London.[29]
Divestment and return to Lloyds Bank[edit]
A rebranded Lloyds Bank branch in Wetherby, West Yorkshire (October 2013)
After the 2008 rescue of HBOS,[30] Lloyds TSB Group was renamed Lloyds Banking Group.[31] In 2009, following the liquidity crisis, HM Government took a 43.4% stake in Lloyds Banking Group. The European Commission ruled that the group must sell a portion of its business by November 2013, as it categorised the stake purchase as state aid.[32]
On 24 April 2013, it was confirmed that a number of Lloyds TSB branches in England and Wales would be combined with the branches of Cheltenham & Gloucester and the business of Lloyds TSB Scotland to form a new bank operating under the TSB brand and divested by the group.[33] The selected Lloyds TSB branches and those of Cheltenham & Gloucester were transferred to Lloyds TSB Scotland plc, which was renamed TSB Bank plc. The new bank began operating on 9 September 2013 as a separate division within Lloyds Banking Group.[34] TSB was floated on the London Stock Exchange on 20 June 2014,[35] and was acquired by Banco Sabadell one year later and subsequently delisted.[36] The remaining business of Lloyds TSB returned to the Lloyds Bank name on 23 September 2013.[6]
In October 2014, the bank announced that it planned to cut 9,000 jobs and close some branches in light of an increase in the number of customers using online banking services.[37]
In July 2016, the bank announced it would cut 3,000 jobs because of the economic downturn as a result of United Kingdom European Union membership referendum.[38]
In January 2017, the bank suffered interruptions to its online services originally blamed on "unspecified technical glitches". A hacker reportedly claimed responsibility for the attack, demanding around £75,000 from the bank in a "consultation fee".[39][40][41]
Services[edit]
The Teddington branch of Lloyds Bank in the west of Greater London, designed by Randall Wells in 1929.[42]
The London Bridge branch of Lloyds Bank in London, designed by Philip Hepworth in 1928.
The bank offers a full range of banking and financial services, through a network of 1,300 branches in England and Wales.[43] Branches in Jersey, Guernsey and the Isle of Man are operated by Lloyds Bank International Limited, while Lloyds Bank (Gibraltar) Limited operates in Gibraltar; both are wholly owned subsidiaries and trade under the Lloyds Bank brand.[44] Lloyds Bank is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority.[45] It is a member of the Financial Ombudsman Service, the Financial Services Compensation Scheme, UK Payments Administration, the British Bankers' Association and subscribes to the Lending Code.[46] The bank uses the following series of sort codes:—
Range
Note
30 to 39 former Lloyds branches
77-00 to 77-44
77-46 to 77-99 former TSB branches
(England and Wales)
The Lloyds Bank Foundation funds local, regional and national charities working to tackle disadvantage across England and Wales.[47] There are separate foundations covering Scotland, Northern Ireland and the Channel Islands.
Overseas operations[edit]
The bank's overseas expansion began in 1911 and, by 1985, it had banking and representative offices in 45 countries, from Argentina to the United States of America.
Lloyds Bank International was absorbed into the main business of Lloyds Bank in 1986. Since 2010, the name has been used to refer to the bank's offshore banking operations.
Controversies[edit]
The Coventry branch of Lloyds Bank on High Street, designed by architects Buckland and Haywood in 1932.[48]
Payment protection insurance[edit]
In November 2005 an investigation by the Financial Services Authority (FSA) highlighted a lack of compliance controls surrounding payment protection insurance (PPI). A second investigation in October 2006 identified further evidence of poor compliance and major PPI providers including Lloyds were fined for not treating customers fairly. In January 2011 a High Court case began which in the following April ruled against the banks, on 5 May 2011 Lloyds withdrew from the legal challenge. In 2012, Lloyds announced that they had set aside £3.6 billion to cover the cost of compensating customers who were mis-sold PPI.[49]
In March 2014 it was reported that Lloyds had been reducing the compensation they offered by using a regulatory provision called "alternative redress" to assume that customers wrongly sold single-premium PPI policies would have bought a cheaper, regular premium PPI policy instead.[50]
In June 2015 the Lloyds Banking Group was fined £117m for mishandling payment protection insurance claims including many claims being "unfairly rejected".[51]
Links to arms trade[edit]
In December 2008 the British anti-poverty charity War on Want released a report documenting the extent to which the UK high street banks invest in, provide banking services for and lend to arms companies. The report stated that Lloyds TSB is the only high street bank whose corporate social responsibility policy does not mention the arms industry, yet is that industry's second largest shareholder among high street banks.[52]
Tax evasion[edit]
In 2009, the BBC's Panorama alleged that Lloyds TSB Offshore in Jersey, Channel Islands was encouraging wealthy customers to evade tax. An employee of Lloyds was filmed telling a customer how several mechanisms could be used to make their transactions invisible to the UK tax authorities.[53] This action is also in breach of money laundering regulations in Jersey.[54] Lloyds subsequently claimed that this was an isolated incident which they were investigating.[55]
Retail conduct failings[edit]
In December 2013, Lloyds Banking Group had been fined £28m for "serious failings" in relation to bonus schemes for sales staff. The Financial Conduct Authority said it was the largest fine that it or the former Financial Services Authority had imposed for retail conduct failings. The bonus scheme pressured staff to hit sales targets or risk being demoted and have their pay cut, the FCA said. Lloyds Bank has accepted the regulator's findings and apologised to its customers.[56]
Divestment of government-owned shares[edit]
Based on figures from the National Audit Office, George Osborne's sale of a 6% tranche of Lloyds shares in autumn 2013—despite his claims that the sale had netted a profit—worked out at a loss of at least £230m for UK taxpayers.[57] However, after the British Government confirmed all its remaining shares had been sold on 17 May 2017, Lloyds Bank said the government had seen a return of £21.2bil on its investment, an approximately £900m profit.[58]
Credit cards[edit]
Lloyds refused to issue credit cards to two over-75 year olds with impeccable credit history on the basis that they were too old. After Telegraph Money contacted Lloyds, the bank apologised and issued the cards.[59]
Libor rate manipulations[edit]
In July 2014, US and UK regulators imposed a combined £218 million ($370 million) in fines on Lloyds and a number of subsidiaries over the bank's part in the global Libor rate fixing scandal, and other rate manipulations and false reporting.[60]
Awards and nominations[edit]
Year
Association
Category
Nominee(s)
Result
2017 Diversity in Media Awards Marketing Campaign of the Year Your Next Step Nominated
See also[edit]
Lloyds Bank Ltd v Bundy
Lloyds Bank plc v Rosset
Lloyds Bank plc v Independent Insurance Co Ltd
References[edit]
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Jump up ^ Lloyds Bank Annual Report, 2016 http://www.lloydsbankinggroup.com/globalassets/documents/investors/2016/2016_lbg_annual_report_v2.pdf
Jump up ^ Lloyds Bank to merge with TSB Group The New York Times, 12 October 1995
Jump up ^ Change of Company Name press release by Lloyds TSB Group plc, 16 January 2009.
Jump up ^ Rights Issue and Capital Enhancement Proposals Presentations and Webcasts, Lloyds Banking Group, 3 November 2009
^ Jump up to: a b Parsons, Russell (4 September 2013). "Lloyds Bank to return to high street on 23 September". Marketing Week. Retrieved 10 September 2013.
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Jump up ^ "Lloyds Bank profits hit by bond buyback". BBC News. 28 April 2016. Retrieved 2 May 2016.
Jump up ^ Lloyds TSB: Case Study Archived 17 July 2011 at the Wayback Machine.. The Work Foundation. January 2005.
Jump up ^ In 2016 the Oldbury building, no longer occupied by Lloyds, was described as "at risk" by Save Britain's Heritage. Jones, Tamlyn (29 June 2016). "Nine treasured West Midlands buildings at risk of being lost forever". Birmingham Post. Retrieved 10 July 2016.
Jump up ^ "Timeline 1851 - 1900". Lloyds Banking Group. 2013. Retrieved 22 September 2013.
Jump up ^ "Bosanquet, Salt & Company Records". archiveshub.ac.uk. Retrieved 3 February 2016.
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Jump up ^ Roskill QC, Sir Ashton (chairman) Barclays Bank, Lloyds Bank and Martins Bank: a report on the proposed merger (Chapter 1 Archived 19 January 2012 at the Wayback Machine., Chapter 2 Archived 19 January 2012 at the Wayback Machine. and Appendices Archived 18 January 2012 at the Wayback Machine.) Presented to Parliament in pursuance of section 9 of the Monopolies and Restrictive Practices (Inquiry and Control) Act 1948 (as applied by section 6(5) of the Monopolies and Mergers Act 1965) London: HMSO, 15 July 1968
Jump up ^ "History of Plastic Cards" (PDF). The Association for Payment Clearing Services. Archived from the original (PDF) on 28 January 2006. Retrieved 26 April 2014.
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Jump up ^ "Obituary: Sir Brian Pitman". The Telegraph. 12 March 2010. Retrieved 29 March 2012.
Jump up ^ Roger Cowe (11 March 2010). "Obituary: Sir Brian Pitman". The Guardian. Retrieved 29 March 2012.
Jump up ^ About C&G Cheltenham and Gloucester (retrieved 11 October 2008)
Jump up ^ Lloyds TSB Act 1998 (c. v)
Jump up ^ The Black Horse Lloyds Banking Group (retrieved 13 June 2016)
Jump up ^ Banks turn to branding BBC News, 28 June 1999
Jump up ^ Blackden, Richard (31 July 2007). "Lloyds sells Abbey Life for £977m". The Telegraph. Retrieved 22 September 2013.
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Jump up ^ "Q&A: Standard Life demutualisation". BBC News. 31 March 2004. Retrieved 22 September 2013.
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Jump up ^ "Moody's downgrades 12 UK financial institutions". Moodys.com. 7 October 2011. Retrieved 29 March 2012.
Jump up ^ Seawright, Stephen; Muspratt, Caroline (14 March 2007). "Lloyds TSB becomes Olympic sponsor". The Telegraph. Retrieved 22 September 2013.
Jump up ^ Anticipated acquisition by Lloyds TSB Group Plc of HBOS Plc Archived 27 September 2013 at the Wayback Machine. Office of Fair Trading, 24 October 2008
Jump up ^ Change of Company Name RNS Announcements, Lloyds TSB Group, 16 January 2009
Jump up ^ Sharp, Tim (25 April 2013). "Co-op Bank pulls out of Lloyds Verde deal". The Herald. Glasgow. Retrieved 22 September 2013.
Jump up ^ Simon, Emma (26 November 2012). "Millions of Lloyds customers told banking details to change". The Telegraph. Retrieved 22 September 2013.
Jump up ^ "Lloyds faces internet issues on TSB launch day". BBC News. 9 September 2013. Retrieved 14 September 2013.
Jump up ^ Spence, Peter (20 June 2014). "Why TSB's share price has jumped by 13pc on its first day". City A.M. Retrieved 9 October 2015.
Jump up ^ Williams-Grut, Oscar (30 June 2015). "TSB is now officially Spanish". Business Insider UK. Retrieved 9 October 2015.
Jump up ^ Stephen Morris (23 October 2014). "Lloyds Said to Cut 9,000 Jobs Amid Online Banking Shift".
Jump up ^ Goodway, Nick; Prynn, Jonathan (28 July 2016). "Lloyds Bank slashes 3,000 jobs as boss issues Brexit impact warning". London Evening Standard. Retrieved 28 July 2016.
Jump up ^ Leyden, John. "Lloyds Bank outage: DDoS is prime suspect". The Register. Retrieved 24 January 2017.
Jump up ^ Ashok, India (23 January 2017). "Lloyds hit with massive DDoS attack by suspected hackers". International Business Times UK. Retrieved 24 January 2017.
Jump up ^ Ashok, India (24 January 2017). "Lloyds DDoS attack was launched by a hacker attempting to extort £75,000 from the bank – report". International Business Times UK. Retrieved 24 January 2017.
Jump up ^ 1. 5028 HIGH STREET (north side) Teddington No 23. Lloyds Bank TQ 1671 23/26 II 2, see Images of England No. 205455 National Monuments Record, English Heritage (Retrieved 23 November 2009)
Jump up ^ "Lloyds Bank in high street relaunch". The Belfast Telegraph. 23 September 2013. Retrieved 23 September 2013.
Jump up ^ "Changes to Lloyds TSB International". Lloyds Bank. September 2013. Archived from the original on 26 September 2013. Retrieved 22 September 2013.
Jump up ^ "Information about us". Lloyds Bank. September 2013. Retrieved 22 September 2013.
Jump up ^ "Subscribers". Lending Standards Board. Retrieved 5 November 2015.
Jump up ^ [1] Lloyds Bank Foundation for England and Wales (retrieved 3 October 2009) Archived 5 September 2008 at the Wayback Machine.
Jump up ^ Lloyds Bank Emblem and Allegorical Figures (Security and Commerce?) Archived 26 February 2012 at the Wayback Machine. Public Monument and Sculpture Association, National Recording Project (retrieved 23 November 2009)
Jump up ^ "Lloyds TSB counting the cost of the PPI scandal". DPA Claims. 16 May 2012. Archived from the original on 30 July 2012. Retrieved 16 September 2013.
Jump up ^ Robinson, Michael (25 March 2014). "Lloyds accused of short-changing PPI claimants". BBC News. Retrieved 29 March 2014.
Jump up ^ "Lloyds hit by record £117m fine over PPI handling". BBC News. 5 June 2015. Retrieved 3 February 2016.
Jump up ^ Anna Morser (October 2008). "Banking on Bloodshed: UK high street banks' complicity in the arms trade" (PDF). War on Want. Retrieved 2 November 2012.
Jump up ^ Sweeney, John (21 September 2009). "Tax inquiry into Lloyds off-shore". BBC. Retrieved 23 September 2009.
Jump up ^ "Q&A: Panorama on Lloyds offshore". BBC News. 21 September 2009. Retrieved 23 September 2009.
Jump up ^ Farndon, Lucy (22 September 2009). "Lloyds under fire after BBC tax revelation". Daily Mail. Retrieved 22 September 2013.
Jump up ^ "Lloyds bank fined record £28m for 'serious failings'". BBC News. 11 December 2013. Retrieved 11 December 2013.
Jump up ^ "'£230m taxpayer blow over Lloyds'". Press Association. 19 December 2013. Retrieved 23 December 2013.
Jump up ^ "Share sale returns Lloyds to private sector". BBC News. 17 May 2017. Retrieved 17 May 2017.
Jump up ^ Sophie Christie (10 April 2015). "'Lloyds Bank said that at 75 I was too old for a credit card'". The Telegraph. Retrieved 3 February 2016.
Jump up ^ "Britain's Lloyds Bank fined $370 mn over Libor rigging". Daily Mail. Retrieved 28 July 2014.
Bibliography[edit]
Sayers, R. S. Lloyds Bank in the History of English Banking Oxford: Clarendon Press, 1957
Winton, J. R. Lloyds Bank 1918–1969 Oxford University Press, 1982
Jones, Geoffrey Lombard Street on the Riviera: British Clearing Banks and Europe 1900–1960 Business History, Vol. 24 No. 2 (pp. 186–210) July 1982
External links[edit]
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text:
Go Outside in the Rain
From Wikipedia, the free encyclopedia
Jump to: navigation, search
"Go Outside in the Rain"
Single by Milira
from the album Milira
Released
1991
Format
Vinyl 7" single
Recorded
1990
Genre
Soul
Length
5:21
Label
Motown Records
Songwriter(s)
Nathaniel Calhoun, Bonifacio Velasquez
Producer(s)
Donal Dee Bowden
Milira singles chronology
"Mercy Mercy Me (The Ecology)"
(1990) "Go Outside in the Rain"
(1991) "Waiting Here for You"
(1990)
"Mercy Mercy Me (The Ecology)"
(1990) "Go Outside in the Rain"
(1990) "Waiting Here for You"
(1990)
"Go Outside in the Rain" is a R&B song by Milira released in 1990. The track is from her debut album, Milira, and reached number thirty-six on Billboard's Hot R&B Singles chart.[1]
Track listing[edit]
US 12" Promo[2]
No.
Title
Length
1. "Go Outside in the Rain" (Radio Edit) 4:07
2. "Go Outside in the Rain" (Album Version) 5:24
3. "Go Outside in the Rain" (Instrumental) 5:23
Charts[edit]
Chart (1990)
Peak
position[3]
U.S. Billboard Hot R&B Singles 36
References[edit]
Jump up ^ www.allmusic.com-charts
Jump up ^ "Milira - Go Outside in the Rain (12" Promo) US 12" promo" Discogs.com. Retrieved Jan. 14, 2011.
Jump up ^ www.billboard.com-r&bsongs
Retrieved from "https://en.wikipedia.org/w/index.php?title=Go_Outside_in_the_Rain&oldid=725406755"
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