In 1765 John Taylor and Sampson Lloyd set up a private banking business in Birmingham.
In 1810, the Reverend Henry Duncan of Ruthwell, Dumfriesshire, set up a bank to help his poorest parishioners save for times of hardship. This was the first Trustee Savings Bank.
The two banks merged in 1992.
For some more Lloyds history and pictures of one of the gems in The Strand see Caroline's Miscellany.
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