Trustee Savings Bank clear ground rules on ownership and accountability, neither of which was clear under former legislation. Airdrie Savings Bank refused to join the single entity, and remained the only independent such bank in the UK until it announced its closure in 2017. In 1984, TSB adopted an advertising slogan by which it is still generally remembered today: "The Bank That Likes To Say Yes". In 1986, the Central Trustee Savings Bank Limited was renamed TSB England and Wales plc and Trustee Savings Bank plc was renamed TSB Scotland plc. In 1986, the shares of TSB Group plc were floated on the
Central Bank of Ireland carried out with the banks". The next annual report had little to say about how and why the Irish banking system collapsed. Although there were four Central Bank directors on the board of the Financial Regulator, the Central Bank maintained it had no powers to intervene in the market. Yet, the Central Bank had the power to issue directives to the Financial Regulator if it thought it was conducting its business in a way that was contrary to overall Central Bank policy aims. None were issued. The regulator’s processes and reports, and the findings of external scrutineers, any of which