The book examines the historical significance and development of financial intermediation on Slovenian territory, with a focus on the Carniolan Savings Bank in Ljubljana, which was established in the early 19th century. Savings banks were financial institutions that emerged in the early 19th century. Their primary purpose was to collect money or savings deposits from the lower but captive classes of the population. These institutions were founded to encourage savings among the less affluent, promote thrift and financial inclusion, and ultimately contribute to local and regional economic growth. The study outlines the context in which savings banks emerged. It emphasises their role in capital formation and economic development when the financial needs of the lower classes were largely unmet. Motivated by a combination of Enlightenment principles and monetary incentives, the founders of the Carniolan Savings Bank created a financial institution to encourage the population of Carniola Province to save and invest.