State Bank of New South Wales
FormerlyRural Bank of New South Wales (1933–1981)
IndustryFinancial services
PredecessorGovernment Savings Bank of New South Wales
Founded1 July 1933
Defunct23 November 1994
SuccessorsColonial State Bank
Commonwealth Bank
HeadquartersRural Bank Building, Martin Place (1936–1982)
Area served
New South Wales

The State Bank of New South Wales, from 1933 until 1981 known as the Rural Bank of New South Wales, was a bank that was owned by the Government of New South Wales. In 1994, it was taken over by Colonial Mutual and became the Colonial State Bank and then sold to the Commonwealth Bank in 2000.

History of operations

Founding and growth

By early 1931, the Government Savings Bank was in financial trouble in the midst of the Great Depression, and on 22 April 1931 the Bank suspended payments after a drain on its cash resources. On 15 December 1931, the majority of the Government Savings Bank was amalgamated into the Commonwealth Savings Bank.[1] The Rural Bank and Advance Homes Departments of the Government Savings Bank were not taken over by the Commonwealth Savings Bank, and continued to operate.[2][3] In late 1932, the NSW Government led by Assistant Treasurer Eric Spooner introduced legislation to reconstitute what remained of the Government Savings Bank into a new "Rural Bank of New South Wales", with a specific mandate to support primary industries and not to operate as a traditional general lending bank, governed by a board of three commissioners.[4][5][6]

On 23 December 1932, the Rural Bank of New South Wales Act, 1932 was passed by the NSW Parliament,[7] and on 1 July 1933 the new institution and board of commissioners commenced operations to replace the old Government Savings Bank. The former chairman of the GSB, William O'Malley Wood, was appointed president and commissioner, with Clarence McKerihan and Henry Rogers appointed as commissioners.[8][9][10]

On 19 December 1947, the NSW Parliament passed the Rural Bank of New South Wales (General Banking) Act, 1947, which merged the Rural Bank Department, the Advances for Homes Department, and the Personal Loans Department, into a General Bank Department, and authorised the bank to operate as a regular trading bank.[11][12][13] On this change, the Premier of NSW, Jim McGirr, commented:

"The primary object of this important legislation is to widen the scope of the bank's functions in order to place it on an equal footing with other banks in this State. The measure is in accordance with the Government's policy of fostering an institution that has in the past provided a valuable service to the people and has assisted in implementing various governmental schemes."[14]

State Bank

On 2 November 1981, the State Bank Act came into effect, which reconstituted the Rural Bank as the "State Bank of New South Wales", governed by a board of seven directors, and changed the mandate to that of a standard commercial bank.[15][16][17][18] The bank's slogan for many years was "We do more for you personally".[19] On the change of the Rural Bank to the State Bank, a former bank employee, Bruce R. Turner, later recalled:

In line with its motto, the [Rural] bank's customers were put first at every stage. For instance, if a customer thought he or she had been charged a fee unfairly, the branch staff had the delegation to make an assessment and waive the fee if the circumstances warranted.
As the 1980s progressed, the State Bank's stewardship changed and the business transformation accelerated. The bank's balance sheet became more highly leveraged, profitability became the key driver, and customer service standards started to decline. Many of the branch staff were the same, but a new culture was being framed. Delegations for local staff to make local decisions were wound back (including delegations to waive and refund unfair fees and charges).[19]

While the Rural Bank used the full armorial of the NSW Coat of Arms, the State Bank used the simplified State Badge.

The bank was 'corporatised' in 1990, under the State Owned Corporations Act 1989 (NSW) and the State Bank (Corporatisation) Act 1989 (NSW). On 14 May 1990, the existing State Bank was dissolved, and all of its assets and business undertaking were vested in an incorporated State Bank, limited by shares.[20]

Privatisation and merger

On 23 November 1994, the NSW Government sold the bank to Colonial Mutual, a financial services company, through the State Bank (Privatisation) Act 1994.[21] Although initially retaining the State Bank name, the bank then changed its name to Colonial State Bank in 1996.[22][23][24] In 2000, it too was taken over, this time by the Commonwealth Bank of Australia.

Executives

Rural Bank, 1933–1981

The board of the Rural Bank consisted of three (later five) commissioners appointed by the Governor on the advice of the Premier for a term of seven years, with one of the commissioners appointed as president/general manager. A deputy president could also be appointed to fill in during a long period of absence of the president.[7]

Presidents

#OfficeholderTerm start dateTerm end dateTime in officeNotes
1William O'Malley Wood1 July 193317 April 1934290 days[25][26][27][28][29][30]
2Sir Clarence McKerihan18 April 19346 May 196127 years, 18 days[31][32][33][34]
3John Callachor Fletcher6 May 19611 July 197110 years, 56 days[35][36]
4Albert Oliver1 July 19712 November 198110 years, 124 days[37]

Commissioners

OfficeholderTerm start dateTerm end dateTime in officeNotes
William O'Malley Wood1 July 193317 April 1934290 days[10]
Sir Clarence McKerihan1 July 19336 May 196127 years, 309 days[10]
Henry Rogers1 July 193314 November 195219 years, 136 days[10][38][39]
Patrick Kearns18 April 193431 December 194814 years, 257 days[34][40]
John Callachor Fletcher15 March 19501 July 197121 years, 108 days[41][42][43]
Bruce Sidney Smith9 January 195311 June 19607 years, 154 days[44][45][46]
Sydney Manning Norton12 June 196018 December 19633 years, 189 days[47][48][49]
Sir Norman Rydge22 February 19615 March 197615 years, 12 days[50][51]
Sir James Frederick John Auswild22 February 19612 November 198120 years, 253 days[50][51][52][53]
Edward Thomas Carroll17 May 19611 June 197110 years, 15 days[54]
Robert Hewiston Cooper18 December 19635 August 19717 years, 230 days[55][56]
Albert Oliver1 July 19712 November 198110 years, 124 days[37]
Douglas Joseph Byrne6 August 19711 October 19732 years, 56 days[57]
William Leslie Evans2 June 197118 June 19754 years, 16 days[37][58]
Jim Ernest Frederick McKensey1 October 19732 June 19806 years, 245 days[59]
Eric Randall Leslie Kay19 June 197510 February 19804 years, 236 days[60]
Henry Percival Anderson5 March 19762 November 19815 years, 242 days[61]
Kenneth George Dennewald11 February 19802 November 19811 year, 264 days[62]
Nicholas Whitlam2 June 19802 November 19811 year, 153 days[63][64][65]

State Bank, 1981–1994

From 2 November 1981, the board of the State Bank consisted of seven directors appointed by the Governor on the advice of the Premier, with one of the directors appointed as managing director.[15]

Managing Directors/CEO

#OfficeholderTerm start dateTerm end dateTime in officeNotes
1Nicholas Whitlam2 November 198129 June 19875 years, 239 days[66]
2John O'Neill30 June 198723 November 19947 years, 146 days[67]

Directors

OfficeholderTerm start dateTerm end dateTime in officeNotes
Kenneth George Dennewald2 November 198119 August 19842 years, 291 daysDeputy[66]
Sir Roden Cutler2 November 19813 November 19876 years, 1 dayChairman[66][68]
Henry Percival Anderson2 November 198113 April 19897 years, 162 days[66][68][69]
Bruce K. Maitland2 November 19813 November 19876 years, 1 day[66][68]
Robert C. Nicholls2 November 19813 November 19876 years, 1 day[66][68]
Terrence Malcolm Griffir26 February 19821 March 19853 years, 3 days[70]
Donald Graeme Adams20 August 19841 February 19883 years, 165 daysDeputy[71]
Reginald Garry Walter Murphy1 March 19851 March 19883 years, 0 days[72]
Percy Allan4 November 19871 March 19902 years, 117 days[69]
Graham John Kelly4 November 19871 March 19902 years, 117 days[69]
David Lowy4 November 19871 March 19902 years, 117 days[69]
Neville Watkins1 March 19881 March 19902 years, 0 days[73]
David Greatorex1 August 198821 June 19934 years, 324 daysChairman 1990–1993[74][75][76]
John Valder14 April 198923 November 19945 years, 223 days[77][75]
Richard Austen1 March 199023 November 19944 years, 267 days[75]
Richard Norman Hamilton Denton1 March 199023 November 19944 years, 267 days[75]

Former bank buildings

There are many former buildings of the Rural Bank and its successors that are heritage listed:

References

  1. ↑ Polden, Kenneth (1972). "The Collapse of the Government Savings Bank of New South Wales, 1931". Australian Economic History Review. 12: 52–70. doi:10.1111/aehr.121004.
  2. ↑ "Series Guide: Government Savings Bank of New South Wales". Unreserved - Reserve Bank of Australia Archives. Reserve Bank of Australia. Retrieved 18 December 2022.
  3. ↑ "RURAL BANK DEPARTMENT". Northern Star. Lismore, New South Wales. 6 January 1932. p. 7. Retrieved 18 December 2022 – via National Library of Australia.
  4. ↑ "RURAL BANK". The Sydney Morning Herald. New South Wales, Australia. 26 December 1932. p. 5. Retrieved 18 December 2022 – via National Library of Australia.
  5. ↑ "STATE PARLIAMENT. RURAL BANK". The Sydney Morning Herald. New South Wales, Australia. 8 December 1932. p. 13. Retrieved 18 December 2022 – via National Library of Australia.
  6. ↑ "RURAL BANK". The Sydney Morning Herald. New South Wales, Australia. 21 November 1932. p. 9. Retrieved 18 December 2022 – via National Library of Australia.
  7. 1 2 "Rural Bank of New South Wales Act, 1932". legislation.nsw.gov.au. New South Wales Government. Retrieved 18 December 2022.
  8. ↑ "RURAL BANK BOARD". The Sydney Morning Herald. New South Wales, Australia. 30 June 1933. p. 15. Retrieved 18 December 2022 – via National Library of Australia.
  9. ↑ "RURAL BANK". The Sydney Morning Herald. New South Wales, Australia. 30 June 1933. p. 11. Retrieved 18 December 2022 – via National Library of Australia.
  10. 1 2 3 4 "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 102. New South Wales, Australia. 7 July 1933. p. 2451. Retrieved 17 December 2022 – via National Library of Australia.
  11. ↑ "Rural Bank of New South Wales (General Banking) Act 1947 No 38". AustLII. Australasian Legal Information Institute. Retrieved 23 December 2022.
  12. ↑ "ACHIEVEMENTS OF RURAL BANK". The Forbes Advocate. New South Wales, Australia. 19 April 1949. p. 4. Retrieved 23 December 2022 – via National Library of Australia.
  13. ↑ "RURAL BANK GROWING". The Sydney Morning Herald. New South Wales, Australia. 19 April 1948. p. 1. Retrieved 23 December 2022 – via National Library of Australia.
  14. ↑ "THE RURAL BANK". The Inverell Times. New South Wales, Australia. 22 December 1947. p. 8. Retrieved 23 December 2022 – via National Library of Australia.
  15. 1 2 "State Bank Act, 1981". legislation.nsw.gov.au. New South Wales Government. 10 June 1981. Retrieved 17 December 2022.
  16. ↑ "STATE BANK ACT, 1981.—PROCLAMATION". Government Gazette Of The State Of New South Wales. No. 168. New South Wales, Australia. 2 November 1981. p. 5673. Retrieved 17 December 2022 – via National Library of Australia.
  17. ↑ "State bank to be more aggressive". The Canberra Times. Australian Capital Territory, Australia. 1 April 1981. p. 37. Retrieved 17 December 2022 – via National Library of Australia.
  18. ↑ "New name for bank". The Canberra Times. Australian Capital Territory, Australia. 31 October 1981. p. 18. Retrieved 17 December 2022 – via National Library of Australia.
  19. 1 2 Turner, Bruce R. (23 August 2021). "2 - Looking for Meaningfulness in Customer Service Mottos". Rising from the Mailroom to the Boardroom: Unique Insights for Governance, Risk, Compliance and Audit Leaders. CRC Press. pp. 24–25. ISBN 9781032042909. Retrieved 18 December 2022.
  20. ↑ Commissioner of Taxation v Bank of Western Australia Ltd; Commissioner of Taxation v State Bank of New South Wales (1995)
  21. ↑ "State Bank (Privatisation) Act 1994 No 73". legislation.nsw.gov.au. New South Wales Government. Retrieved 17 December 2022.
  22. ↑ Flint, Jeremy (30 August 1996). "Colonial's State Bank gets ready for a new name". The Sydney Morning Herald. p. 23.
  23. ↑ Verrender, Ian (23 September 1996). "Change of name for the State Bank lacks note". The Sydney Morning Herald. p. 3.
  24. ↑ Hornery, Andrew. "Yawns all round for bank revamp". The Sydney Morning Herald. p. 2.
  25. ↑ Frank Cain, 'Wood, William Henry O’Malley (1856–1941)', Australian Dictionary of Biography, National Centre of Biography, Australian National University, http://adb.anu.edu.au/biography/wood-william-henry-omalley-13255/text6475, published first in hardcopy 2005, accessed online 3 September 2015.
  26. ↑ "New President Takes Over". The Sun. New South Wales, Australia. 17 April 1934. p. 7. Retrieved 17 December 2022 – via National Library of Australia.
  27. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 56. New South Wales, Australia. 29 March 1934. p. 1362. Retrieved 17 December 2022 – via National Library of Australia.
  28. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 155. New South Wales, Australia. 29 September 1933. p. 3496. Retrieved 17 December 2022 – via National Library of Australia.
  29. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 216. New South Wales, Australia. 22 December 1933. p. 4507. Retrieved 17 December 2022 – via National Library of Australia.
  30. ↑ "RESIGNATIONS". Government Gazette of the State of New South Wales. No. 75. New South Wales, Australia. 20 April 1934. p. 1652. Retrieved 17 December 2022 – via National Library of Australia.
  31. ↑ Melanie Oppenheimer, 'McKerihan, Sir Clarence Roy (1896–1969)', Australian Dictionary of Biography, National Centre of Biography, Australian National University, http://adb.anu.edu.au/biography/mckerihan-sir-clarence-roy-10991/text19541, published first in hardcopy 2000, accessed online 3 September 2015.
  32. ↑ "Mr. C. R. (Roy) McKerihan, President, Rural Bank". Yass Tribune-courier. New South Wales, Australia. 3 August 1953. p. 4. Retrieved 17 December 2022 – via National Library of Australia.
  33. ↑ "THE RURAL BANK". The Farmer and Settler. New South Wales, Australia. 12 April 1934. p. 2. Retrieved 17 December 2022 – via National Library of Australia.
  34. 1 2 "Colonial Treasurer's Department". Government Gazette Of The State Of New South Wales. No. 75. New South Wales, Australia. 20 April 1934. p. 1652. Retrieved 17 December 2022 – via National Library of Australia.
  35. ↑ "NEW RURAL BANK PRESIDENT". Western Herald. New South Wales, Australia. 24 March 1961. p. 12. Retrieved 17 December 2022 – via National Library of Australia.
  36. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 44. New South Wales, Australia. 14 April 1961. p. 1079. Retrieved 17 December 2022 – via National Library of Australia.
  37. 1 2 3 "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 60. New South Wales, Australia. 4 June 1971. p. 1875. Retrieved 17 December 2022 – via National Library of Australia.
  38. ↑ "Rural Bank Man's Death". Barrier Miner. New South Wales, Australia. 24 November 1952. p. 7. Retrieved 17 December 2022 – via National Library of Australia.
  39. ↑ "Rural Bank man's death". The Sun. New South Wales, Australia. 18 November 1952. p. 2. Retrieved 17 December 2022 – via National Library of Australia.
  40. ↑ "Rural Bank Commissioner Farewelled". The Farmer And Settler. New South Wales, Australia. 4 February 1949. p. 3. Retrieved 17 December 2022 – via National Library of Australia.
  41. ↑ "Third Rural Bank man appointed". The Sun. New South Wales, Australia. 15 March 1950. p. 3. Retrieved 17 December 2022 – via National Library of Australia.
  42. ↑ "Third Commissioner To Rural Bank". Newcastle Morning Herald And Miners' Advocate. New South Wales, Australia. 16 March 1950. p. 4. Retrieved 17 December 2022 – via National Library of Australia.
  43. ↑ "NEW MEMBER OF BOARD". The Sydney Morning Herald. New South Wales, Australia. 16 March 1950. p. 6. Retrieved 17 December 2022 – via National Library of Australia.
  44. ↑ "Commissioner For Rural Bank". The Sydney Morning Herald. New South Wales, Australia. 9 January 1953. p. 2. Retrieved 17 December 2022 – via National Library of Australia.
  45. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 17. New South Wales, Australia. 16 January 1953. p. 143. Retrieved 17 December 2022 – via National Library of Australia.
  46. ↑ "Rural Bank Officer Retires". The Biz. New South Wales, Australia. 15 June 1960. p. 10. Retrieved 17 December 2022 – via National Library of Australia.
  47. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 69. New South Wales, Australia. 10 June 1960. p. 1725. Retrieved 17 December 2022 – via National Library of Australia.
  48. ↑ "No title". Western Herald. New South Wales, Australia. 23 September 1960. p. 1. Retrieved 17 December 2022 – via National Library of Australia.
  49. ↑ "NEW BANK OFFICE OPENED". The Biz. New South Wales, Australia. 16 May 1962. p. 6. Retrieved 17 December 2022 – via National Library of Australia.
  50. 1 2 "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 20. New South Wales, Australia. 17 February 1961. p. 443. Retrieved 17 December 2022 – via National Library of Australia.
  51. 1 2 "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 13. New South Wales, Australia. 4 February 1966. p. 468. Retrieved 17 December 2022 – via National Library of Australia.
  52. ↑ "RURAL BANK OF NEW SOUTH WALES". Government Gazette Of The State Of New South Wales. No. 23. New South Wales, Australia. 20 February 1976. p. 671. Retrieved 17 December 2022 – via National Library of Australia.
  53. ↑ "RURAL BANK OF NEW SOUTH WALES". Government Gazette Of The State Of New South Wales. No. 33. New South Wales, Australia. 17 March 1978. p. 868. Retrieved 17 December 2022 – via National Library of Australia.
  54. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 56. New South Wales, Australia. 19 May 1961. p. 1492. Retrieved 17 December 2022 – via National Library of Australia.
  55. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 128. New South Wales, Australia. 20 December 1963. p. 3738. Retrieved 17 December 2022 – via National Library of Australia.
  56. ↑ "RESIGNATION". Government Gazette Of The State Of New South Wales. No. 88. New South Wales, Australia. 13 August 1971. p. 3018. Retrieved 17 December 2022 – via National Library of Australia.
  57. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 83. New South Wales, Australia. 30 July 1971. p. 2801. Retrieved 17 December 2022 – via National Library of Australia.
  58. ↑ "RESIGNATION". Government Gazette Of The State Of New South Wales. No. 110. New South Wales, Australia. 22 August 1975. p. 3436. Retrieved 17 December 2022 – via National Library of Australia.
  59. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 117. New South Wales, Australia. 7 September 1973. p. 3882. Retrieved 17 December 2022 – via National Library of Australia.
  60. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 77. New South Wales, Australia. 30 May 1975. p. 2073. Retrieved 17 December 2022 – via National Library of Australia.
  61. ↑ "RURAL BANK OF NEW SOUTH WALES". Government Gazette Of The State Of New South Wales. No. 41. New South Wales, Australia. 26 March 1976. p. 1350. Retrieved 17 December 2022 – via National Library of Australia.
  62. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 23. New South Wales, Australia. 8 February 1980. p. 613. Retrieved 17 December 2022 – via National Library of Australia.
  63. ↑ "APPOINTMENTS". Government Gazette Of The State Of New South Wales. No. 69. New South Wales, Australia. 2 May 1980. p. 2143. Retrieved 17 December 2022 – via National Library of Australia.
  64. ↑ "Whitlam's son gets Rural Bank job". The Canberra Times. Australian Capital Territory, Australia. 26 April 1980. p. 9. Retrieved 17 December 2022 – via National Library of Australia.
  65. ↑ "BUSINESS & ECONOMICS". The Canberra Times. Australian Capital Territory, Australia. 1 July 1981. p. 35. Retrieved 17 December 2022 – via National Library of Australia.
  66. 1 2 3 4 5 6 "STATE BANK ACT, 1981". Government Gazette Of The State Of New South Wales. No. 168. New South Wales, Australia. 2 November 1981. p. 5673. Retrieved 17 December 2022 – via National Library of Australia.
  67. ↑ "STATE BANK OF NEW SOUTH WALES". Government Gazette Of The State Of New South Wales. No. 97. New South Wales, Australia. 12 June 1987. p. 2851. Retrieved 17 December 2022 – via National Library of Australia.
  68. 1 2 3 4 "STATE BANK OF NEW SOUTH WALES". Government Gazette Of The State Of New South Wales. No. 142. New South Wales, Australia. 5 October 1984. p. 4915. Retrieved 17 December 2022 – via National Library of Australia.
  69. 1 2 3 4 "STATE BANK ACT 1981". Government Gazette Of The State Of New South Wales. No. 170. New South Wales, Australia. 6 November 1987. p. 6127. Retrieved 17 December 2022 – via National Library of Australia.
  70. ↑ "STATE BANK OF NEW SOUTH WALES". Government Gazette Of The State Of New South Wales. No. 31. New South Wales, Australia. 26 February 1982. p. 785. Retrieved 17 December 2022 – via National Library of Australia.
  71. ↑ "STATE BANK OF NEW SOUTH WALES". Government Gazette Of The State Of New South Wales. No. 125. New South Wales, Australia. 17 August 1984. p. 4187. Retrieved 17 December 2022 – via National Library of Australia.
  72. ↑ "STATE BANK OF NEW SOUTH WALES". Government Gazette Of The State Of New South Wales. No. 48. New South Wales, Australia. 1 March 1985. p. 934. Retrieved 17 December 2022 – via National Library of Australia.
  73. ↑ "STATE BANK ACT 1981". Government Gazette Of The State Of New South Wales. No. 41. New South Wales, Australia. 26 February 1988. p. 1155. Retrieved 17 December 2022 – via National Library of Australia.
  74. ↑ "STATE BANK ACT 1981". Government Gazette Of The State Of New South Wales. No. 119. New South Wales, Australia. 22 July 1988. p. 3835. Retrieved 17 December 2022 – via National Library of Australia.
  75. 1 2 3 4 "STATE BANK ACT 1981". Government Gazette Of The State Of New South Wales. No. 31. New South Wales, Australia. 2 March 1990. p. 1759. Retrieved 17 December 2022 – via National Library of Australia.
  76. ↑ Boyd, Anthony; Petersen, Prudence (2 June 1993). "STATE BANK CHAIRMAN WON'T SEEK NEW TERM". The Australian Financial Review. Retrieved 17 December 2022.
  77. ↑ "STATE BANK ACT 1981". Government Gazette Of The State Of New South Wales. No. 38. New South Wales, Australia. 7 April 1989. p. 1768. Retrieved 17 December 2022 – via National Library of Australia.
  78. ↑ "Buildings, Two Storey, Banks (C 1930, C 1920)". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  79. ↑ "Colonial State Bank (former)". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  80. ↑ "Commercial Building (formerly Rural Bank and State Bank)". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  81. ↑ "Commercial Premises". nsw. Heritage NSW. Retrieved 18 December 2022.
  82. ↑ "Commonwealth Bank (former Rural Bank)". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  83. ↑ "Former Rural Bank". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  84. ↑ "Former Rural Bank". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  85. ↑ "[Advertising] A dignified design in Terra Cotta - Wunderlich Architectural Terra Cotta". Decoration and Glass. National Library of Australia (Trove). 5 (10): 31. 1 March 1940. Retrieved 18 December 2022.
  86. ↑ "Former Rural Bank". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  87. ↑ "Former State Bank". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  88. ↑ "Kyogle Rural Bank (former)". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  89. ↑ "Rural Bank (former)". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  90. ↑ "Rural Bank (former)". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  91. ↑ "The Rural Bank of N.S.W. New Premises, Wyong, N.S.W." Decoration and Glass. National Library of Australia (Trove). 67 (397): 19. 24 September 1940. Retrieved 18 December 2022.
  92. ↑ "Rural Bank Buidling (Demolished - 1991)". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  93. ↑ "Rural Bank Building (Former)". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  94. ↑ "Rural Bank Manager's Residence (Multi-Cultural Centre)". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  95. ↑ "Rural Bank, former". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  96. ↑ "State Bank". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  97. ↑ "State Bank (1938) - former Rural Bank of NSW". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  98. ↑ "State Bank". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  99. ↑ "Item 50 – State Bank (Rural Bank of New South Wales)". Wentworth Shire Council. Retrieved 18 December 2022.
  100. ↑ "Building, Rural Chambers (former)". NSW State Heritage Inventory. Heritage NSW. Retrieved 18 December 2022.
  101. ↑ "Shops". NSW State Heritage Inventory. Heritage NSW. Retrieved 19 December 2022.
  102. ↑ "Commercial building, former State Bank Building". NSW State Heritage Inventory. Heritage NSW. Retrieved 19 December 2022.
  103. ↑ Roberts, Janine (30 November 2019). "Former Rural Bank of NSW, Taree". MidCoast Stories. MidCoast Council. Retrieved 19 December 2022.
  104. ↑ "Former Bank". NSW State Heritage Inventory. Heritage NSW. Retrieved 19 December 2022.
  105. ↑ "State Bank". NSW State Heritage Inventory. Heritage NSW. Retrieved 19 December 2022.
  106. ↑ "Commercial building - bank - Former State Bank". NSW State Heritage Inventory. Heritage NSW. Retrieved 23 December 2022.
  107. ↑ "Temora Local Environmental Plan 2010". legislation.nsw.gov.au. NSW Government. Retrieved 23 December 2022.
  108. ↑ "CBC Bank [Sic]". NSW State Heritage Inventory. Heritage NSW. Retrieved 23 December 2022.
  109. ↑ "RURAL BANK". Narromine News and Trangie Advocate. Narromine, New South Wales. 14 July 1939. p. 4. Retrieved 23 December 2022 – via National Library of Australia.
  110. ↑ "RURAL BANK". The Sydney Morning Herald. New South Wales, Australia. 8 August 1939. p. 6. Retrieved 23 December 2022 – via National Library of Australia.
  111. ↑ "RURAL BANK FOR NARROMINE". Narromine News And Trangie Advocate. Narromine, New South Wales. 7 July 1938. p. 5. Retrieved 23 December 2022 – via National Library of Australia.
  112. ↑ "State Bank (former)". NSW State Heritage Inventory. Heritage NSW. Retrieved 23 December 2022.
  113. ↑ "Australian Bank of Commerce [former]". NSW State Heritage Inventory. Heritage NSW. Retrieved 23 December 2022.

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