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House of Commons
Session 1998-99
Publications on the internet
Treasury Committee Publications

Treasury - Ninth Report

Here you can browse the report together with the Proceedings of the Committee. The published report was ordered by the House of Commons to be printed 22 July 1999.


CONTENTS


Terms of Reference

Volume I

REPORT

Summary of Conclusions and Recommendations

Introduction

General nature of mutual organisations

Building societies

Arguments for Conversion

Advantages claimed for mutuals

Margin advantage

Other claimed advantages of mutuality

Reserves

Who owns the assets?

The windfalls

Directors' interests

Possible remedies

Provisions for demutualisation

Members' resolutions and majorities required

Borrowers' rights

The two year rule

Building societies' own measures to deter carpet-baggers

Member participation

Candidates for the board

Timing of changes

Life assurance

Demutualisation

Other issues relating to life assurance

PROCEEDINGS OF THE COMMITTEE RELATING TO THE REPORT

LIST OF WITNESSES

LIST OF MEMORANDA INCLUDED IN THE MINUTES OF EVIDENCE

LIST OF APPENDICES TO THE MINUTES OF EVIDENCE

LIST OF MEMORANDA REPORTED TO THE HOUSE BUT NOT PRINTED  

Volume II





MINUTES OF EVIDENCE - VOLUME II (HC 605-II)




APPENDICES TO THE MINUTES OF EVIDENCE - VOLUME II (HC 605-II)




 
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Prepared 27 July 1999