Monthly
Organ
of
All
India
Bank
Employees
Association

web
site:
www.bankflag.in
VOL
XXV
No.
15 November
2020 29
Pages

TH
11 
BIPARTITE
SETTLEMENT
SIGNED
CONGRATULATIONS
Founder
Editor
‑
in
‑
Chief
:
Late
Tarakeswar
Chakrabor
Editorial
Board
:
Kamal
Bha acharyya,
Rajen
Nagar,
C.H.
Venkatachalam,
Sonali
Biswas
BANK
FLAG







NOVEMBER
2020
01
ALL
INDIA
BANK
STRIKE
ON
26
NOVEMBER
,
2020

BANK
FLAG







NOVEMBER
2020
02

Contents
Editorial
 3
General
Secretary's
Desk
 4
All
India
Bank
Strike
On
26.11.2020

 You
have
made
it
a

 grand
success
 5
11th
Bipar te
Se lement

 11th
BPS
signed
on
11th
Nov.
2020
 6

 11æFFc
PÂÑF‡FUÜF
õFÛF¤FZ¶FF
ùõ¶FF‡FPÞ¶F
 10
On
RBI's
Proposal
of
Banking
Licence

 AIBEA
opposes
RBI's
proposals
to

 give
banking
license
to
corporate

 houses
 16
On
11th
BPS
 Acharya
to
disallow
corporate
entry
into
banking
is

 100
Reasons
to
cheer

 the
11th
Bipar te
Se lement
 
17
Viewpoint

 One
Na on
–
One
Salary
achieved.

 by
C.H.
Venkatachalam
 24
êFPÛF=+Xk
=+F
ÞFñdUÜF
õFÛÛFWáFÎF

 fFXðFµFF
 26
=+PÙF¶FF

 r;Fr¡FáF

 -
ÛF]ùÛÛF¼
¡FÎFU×+
EkõFFÞU
i;FF¡FUj
 28
 of
P
K
Mahanti
panel
should
the
Government
accept
BANK
FLAG







NOVEMBER
2020
EDITORIAL
I
ndia
is
in
the
midst
of
serious
economic
crisis
and

it
is
in
the
state
of
depression.
It
was
discernible

before
Covid­19
struck
India.
In
the
first
quarter
of

this
financial
year,
the
GDP
fall
by
a
massive
23.9%.

There
is
an
indication
that
the
second
quarter
may

have
 a
 further
 fall
 of
 8.6%.
 Retail
 inflation
 is
 77

months
 high
 in
 October,
 2020.
 The
 inflation
 is

marked
by
rise
in
the
prices
of
the
food
items.
Prices

of
 daily
 necessities
 including
 vegetables
 have

touched
the
roof.
Economists
are
terming
the
state

of
 affairs
 in
 our
 economy
 as
 stagflation.
The
 third

stimulus
 economic
 package
 does
 not
 constitute

direct
benefit
to
consumers
to
boost
demand.
The

only
 direct
 benefit
 to
 household
 is
 worth
 Rs.
 10

thousand
crore
in
the
form
of
additional
allocation
for

the
MGNREGA
job
creation
scheme
and
Pradhan

Mantri
Gram
Sadak
scheme.
The
recommendation
of
the
P
K
Mahanti
panel
to

allow
 Corporate
 Sector
 to
 entire
 banking
 has

created
tremor
in
the
economic
circle.
Former
RBI

Governor
 Raghuram
 Rajan
 and
 Ex­Deputy

Governor
Viral
Acharya
in
a
joint
article
have
said

that
the
idea
is
“best
left
on
the
shelf”.
It
is
further

more
important
to
stick
to
the
tried
and
tested
limit
on

the
involvement
of
business
houses
in
the
Banking

Sector.
 The
 second
 reason
 cited
 by
 Rajan
 and



that
 it
 will
 further
 exacerbate
 the
 concentration
 of

economy
(and
political)
power
in
certain
business

houses.

Government
 of
 India
 wants
 to
 handover
 all
 the

segments
of
our
Country's
economy
into
the
hands

of
the
Corporates
who
are
close
to
the
corridors
of

the
power.
AIBEA
has
decided
to
fight
out
the
recommendation



it
and
try
to
implement
it.

03
 GENERAL SECRETARY’S DESK

Well
done
comrades,
you
have
done
it
again

Y es,
 finally
 we
 have
 signed
 the
 11th
 Bipartite
 Settlement.
 
 The
 most
 important

satisfaction
is
that
it
continues
to
be
a
collectively
bargained,
bilaterally
negotiated
and

mutually
agreed
Settlement.
 
Bipartism
has
been
gifted
to
all
us
by
Com.
Prabhat
Kar

and
 Com
 Parvana
 and
 the
 generation
 of
 bank
 employees
 who
 fought
 and
 achieved
 this

wonderful
system
of
improving
our
wages
and
service
conditions.

Right
from
its
inception
in

1946,
AIBEA
has
been
committed
to
promote
the
economic
well‑being
of
bank
employees.

In

this
journey,
bipartism
is
the
best
vehicle
to
travel
to
reach
our
destination.

However
tough

the
roads
may
be,
this
vehicle
takes
us
to
the
place
where
we
want
to
reach.

That
is
why
it
is

important
 to
 preserve
 this
 vehicle
 of
 collective
 bargaining
 and
 bilateralism.
 
 It
 is
 like
 our

ancestral
property
bequeathed
to
us.

Generation
after
generation
we
need
to
cherish
it
and

preserve
it.
Because
it
is
a
system
best
suited
to
the
trade
unions,
for
the
same
reason,
the
employers
do

not
want
this
to
continue.

The
Government
is
also
uncomfortable
with
this
system.

So,
that
is

why
they
want
to
dismantle
collective
bargaining
and
foist
third
party
interventions
like
Pay

Commission,
Wage
Board,
Tribunals,
etc.

This
time
also,
in
so
many
sugar
coated
methods
like

Productivity
Linked
Pay,
Cost
to
Company,
Profit
based
wage,

efficiency
linked
salary,
etc,
bank

managements
wanted
to
weaken
our
hard‑won
rights.

We
are
happy
and
proud
that
we
could

see
through
the
game
and
thwarted
all
these
attempts.
 
This
is
the
real
achievement
of
this

Settlement.
Secondly,
the
beauty
of
bipartism
is
that
we
decide
the
price
of
the
labour
that
we
sell
to
the

employer.
 
Everywhere,
it
is
the
buyer,
the
employer
who
fixed
the
price
of
our
labour.
 
It
is

easy
for
a
trade
union
to
submit
a
glossy
list
of
demands
and
allow
the
management
to
decide

what
they
want
to
give.

But
in
bipartism,
the
trade
union
takes
the
responsibility
not
only
to

bargain
but
to
decide
our
wage.

That
is
why
it
is
a
difficult
job.

That
is
why
we
see
some
Unions

vacillating.

But
AIBEA
knows
what
to
demand,
how
to
bargain
and
where
to
anchor.

That
is

why
AIBEA
is
always
the
pace‑setter.

We
can
feel
proud
that
we
continue
to
be
so.
Thirdly,
bipartite
negotiation
means
two
way
traffic.
It
is
a
tug
of
war
where
both
sides
try

to

pull
the
rope
to
their
side.

Here
also
we
can
legitimately
feel
happy
that
the
rope
has
come
on

our
side.

Satisfactory
increase
in
wages,
various
improvements
in
service
conditions
and
no

compromise
on
our
basic
rights
are
the
highlights
of
this
Settlement.
On
this
happy
occasion,
we
congratulate
you
all,
you
have
done
it
again.

C.H.
Venkatachalam
BANK
FLAG







NOVEMBER
2020
04
 ALL INDIA BANK STRIKE ON 26.11.2020

Greetings
to
all
of
you

 and
moral
support
to
our
strike.
Unions
in
LIC
and
GIC

also
joined
the
strike.

You
have
made
the
Strike
a
In
 the
 banking
 sector,
 we
 find
 that
 the
 Government's

grand
success policy
is
privatisation
and
unwarranted
merger
of
Banks

We
convey
our
greetings
and
congratulations
to
all
our
 despite
our
vehement
protests.
 
On
the
other
hand,
the

unions
 and
 entire
 membership
 of
 AIBEA
 for
 making
 main
issue
of
recovery
of
corporate
bad
loans
is
being

today's
 Strike
 a
 grand
 success.
 Reports
 have
 been
 ignored
 and
 concessions
 are
 being
 given
 to
 the

received
by
us
from
various
State
Federations
and
base
 corporates
 while
 service
 charges
 are
 increased
 for
 the

unions
 about
 the
 enthusiastic
 participation
 of
 our
 common
people.

members
in
the
strike.
 
In
most
of
the
places
the
normal

banking
operations
were
affected. Strengthen
Public
Sector
Banks
–
Do
not
privatise
:

Banks
today
have
about
Rs.
140
lac
crores
of
Deposits

Demands
of
the
Trade
Union
Movement:
As
everyone
 which
represents
the
hard
earned
savings
of
the
common

is
aware
the
strike
call
was
given
by
AIBEA
in
support
of
 people.
 
 Public
 Sector
 Banks
 should
 be
 further

the
 Declaration
 of
 National
 Convention
 of
 Workers
 strengthened
 to
 safeguard
 this
 precious
 savings
 of
 the

organized
by
the
10
Central
Trade
Unions
on
the
7
point
 people
kept
in
the
Banks
as
Deposits.
 
But
Government

charter
of
demands
viz.
1.
Cash
transfer
of
Rs
7,500
per
 wants
to
implement
their
banking
reform
policies
aimed
at

month
for
all
non­income
tax
paying
families,
2.
10
kg
free
 privatisation
of
Banks
and
deregulation
of
rules
in
favour

ration
per
person
per
month
to
all
needy,
3.
Expansion
of
 of
the
corporates.

If
Banks
are
privatised,
there
is
risk
for

MGNREGA
to
provide
200
days'
work
in
a
year
in
rural
 people's
money
as
private
corporate
owners
will
use
this

areas
 at
 enhanced
 wages;
 extension
 of
 employment
 money
for
their
own
business
purpose
and
not
for
national

guarantee
to
urban
areas
4.
Withdraw
all
anti
farmer
laws
 development.
and
 anti­worker
 labour
 codes,
 5.
 Stop
 privatisation
 of

public
 sector
 including
 the
 financial
 sector
 and
 stop
 Allowing
Corporate
Houses
to
promote
Banks
is
most

corporatisation
 of
 Govt
 run
 manufacturing
 and
 service
 retrograde:
 
 Recent
 recommendation
 of
 RBI
 Working

entities
like
Railways,
Ordinance
Factories,
Ports
etc.

6.
 Group
 to
 allow
 big
 Corporate
 Houses
 and
 Business

Withdraw
 the
 draconian
 circular
 on
 forced
 premature
 Houses
 to
 promote
 Banks
 is
 unwise,
 undesirable
 and

retirement
 of
 Government
 &
 PSU
 Employees
 and
 7.
 unwarranted.

The
past
history
is
very
bitter.

Govt.
should

Provide
 Pension
 to
 all,
 scrap
 NPS
 and
 restore
 earlier
 not
play
with
the
savings
of
the
people.
 
We
oppose
this

Pension,
improve
EPS­95. RBI
recommendation.
Workers
are
the
creators
of
wealth.
 
But
workers
are
 Donation
of
LVB
to
DBS
Bank,
Singapore:
 
Instead
of

being
 attacked
 and
 deprived
 but
 those
 who
 exploit
 the
 taking
action
on
those
responsible
for
the
losses
incurred

workers
 are
 being
 given
 velvet
 treatment.
 
 Hence
 this
 by
Lakshmi
Vilas
Bank
and
fixing
the
accountability
of
RBI

massive
 protest
 action
 to
 defend
 the
 rights
 of
 working
 in
 this
 debacle,
 the
 Cabinet
 has
 taken
 the
 decision
 to

class.

In
a
most
undemocratic
manner,
labour
laws
have
 donate
this
Indian
private
Bank
to
a
small
Foreign
Bank.


been
adversely
changed.

Govt.
talks
of
12
hours
working
 This
 is
 indicative
 of
 Government's
 policy
 to
 encourage

in
 factories.
 
 Even
 minimum
 wage
 is
 not
 being
 foreign
 capital
 in
 Indian
 banking
 sector.
 
 In
 people's

guaranteed.
 
 Workers
 in
 the
 informal
 and
 unorganised
 interest,
this
decision
should
be
reviewed
and
withdrawn.

sector
 are
 badly
 exploited.
 
 Women
 workers
 are
 being
 Our
Strike
–
a
Warning
Signal:
 
Today's
strike
by
more

exploited.

Job
losses
are
rampant
instead
of
job
creation.

 than
250
million
workers
of
our
country
is
a
clear
warning

Demands
 in
 Banking
 Sector:
 In
 this
 Strike
 we
 also
 signal
to
the
Government
that
their
anti­people
economic

focused
 our
 important
 demands
 like
 Stop
 moves
 of
 policies,
 and
 anti­worker
 labour
 policies
 are
 not

privatisation
of
Banks,
Strengthen
 
public
sector
Banks,
 acceptable
to
the
working
class.
 
Today's
strike
by
bank

Take
tough
action
against
loan
defaulters,
Recover
the
 employees
 is
 an
 expression
 of
 total
 solidarity
 and

huge
 corporate
 NPAs,
 Increase
 
 interest
 rate
 on
 Bank
 identification
of
bank
employees
with
the
common
cause

Deposits
 ,
 Stop
 
 outsourcing
 of
 regular
 banking
 jobs,
 of
 the
 workers
 of
 this
 country.
 
 This
 working
 class

Make
 adequate
 recruitments
 in
 Banks,
 Scrap
 of
 New
 solidarity
is
a
fundamental
principle
of
AIBEA
and
we
are

Pension
Scheme
for
bank
employees,
DA
linked
Pension
 proud
that
we
have
once
again
manifested
our
faith
and

for
all
bank
employees
including
Co­op.
Bank
employees,

 commitment
 to
 the
 basic
 philosophy
 of
AIBEA
 and
 our

and
Revitalise
and
strengthen
Co­op.
Banks
and
RRBs. conviction
that
bank
employees
are
an
inseparable
part
of

the
working
class.
In
 the
 Banking
 Sector,
 besides
 AIBEA
 other
 Bank

Unions
 viz
 
 AIBOA,
 BEFI,
 INBEF,
 AIRBEA,
 AIRBWF,
 Dear
comrades,
while
we
congratulate
all
of
you
for
the

Unions
in
RRBs,
Unions
in
Co­op.
Banks
also
joined
the
 success
of
our
strike,
we
hope
that
the
Government
will

strike
 and
 the
 strike
 was
 a
 good
 success
 all
 over
 the
 understand
the
massive
resentment
of
the
trade
unions

country.
AIBOC,
NCBE
and
INBOC
extend
their
solidarity
 and
workers
and
change
their
policies.
BANK
FLAG







NOVEMBER
2020
05
 11TH BIPARTITE SETTLEMENT

CONGRATULATIONS

11 BPS
signed
on
11th
Nov.
2020
th


We
 are
 happy
 to
 inform
 all
 our
 unions
 and
 
 29
 BANKS
 COVERED
 –
 12
 PSB
 +
 10
 PVT

members
 that
 after
 a
 long
 and
 protracted
 BANKS
+
7
FOREIGN
BANKS.
negotiations
for
more
than
three
years
and
after
 
 5
LACS
EMPLOYEES
OF
PUBLIC
SECTOR

overcoming
 many
 impediments
 and
 hurdles,
 BANKS,
 PRIVATE
 BANKS
 &
 FOREIGN
 BANKS

finally,
the
11th
Bipartite
Settlement
on
revision
of
 COVERED.
wages
and
improvement
in
service
conditions
of

bank
employees
has
been
signed
today
with
IBA
 
 PERIOD
:
NOV.
2017
TO
OCT
2022.
at
Mumbai. 
 FIRST
TIME
–
UNIQUE
–
UNIFORM
BASIC,

DA,
 HRA,
 SPL.
 ALLOWANCE,
 TRANSPORT

ALLOWANCE,
ETC.
ALL
OVER
INDIA.
Salient
Features:

 INCREASE
IN
WAGE
BILL
Rs,
3385
CRORES

PER
YEAR.
PAY
SCALES
CLERICAL

SUBSTAFF

STAGNATION
INCREMENT
CLERICAL:
RS.
1990
–
9
INCREMENTS
ONCE
IN
2
YEARS
SUBSTAFF:
RS.
1000
–
9
INCREMENTS
ONCE
IN
2
YEARS

BANK
FLAG







NOVEMBER
2020
06
 SPECIAL
ALLOWANCE: ADDITIONAL
INCREMENT
LIKE

RATE
:
16.4
%
OF
BASIC
PAY
­
D.A.
IS
 CLERICALSTAFF
PAYABLE
ON
SPECIAL
ALLOWANCE 2.
Notice
period
for
availing
Privilege
Leave

TRANSPORT
ALLOWANCE
: (other
than
for
LFC)
will
be
10days.(now15days)
RS.
600
PER
MONTH
TO
ALL
CLERKS
 3.
Privilege
leave
taken
on
sick
grounds
when

AND
SUBSTAFF there
is
no
sick
leave
at
credit
will
not
be

counted
as
an
occasion
of
availing
PL.
DA
IS
PAYABLE
ON
TRANSPORT

ALLOWANCE 4.
From
the
calendar
year
2020,
besides

encashment
of
PL
at
the
time
of
retirement
and

HOUSE
RENT
ALLOWANCE during
availment
of
LFC,
PL
Encashment
would

RATE:
UNIFORM
RATE
AT
10.25%
ON
PAY
 be
permitted
at
5
days
every
calendar
year
(7

ALL
OVER
INDIA days
in
case
of
employees
/
officers
of
55
years

WHERE
AN
EMPLOYEE
IS
TRANSFERRED
 of
age
and
above)
at
the
time
of
any
festival
of

BY
MANAGEMENT
,
HE
WILL
GET
11%
 their
choice.
HRA
OR
HE
CAN
CLAIM
150%
OF
THE
 5.
 Beyond
 30
 years
 of
 service,
 additional
 sick

ENTITLED
HRA
SUBJECT
TO
 leave
will
be
granted
at
1
month
per
year
subject
to

PRODUCTION
OF
RENT
RECEIPT. a
max.
of
720
days
in
entire
service.
(it
is
630
days

ANNUAL
MEDICAL
AID:
Rs.
2355
per
 now)
annum 6.
Women
employees
can
avail
sick
leave
for
the

sickness
of
their
children
(upto
8
years
of
age)
on

1.
SUBSTAF
PASSING
CAIIB
WILL
GET
 production
of
medical
certificate.

BANK
FLAG







NOVEMBER
2020
07
7.
 Extra
 ordinary
 Leave
 on
 loss
 of
 pay
 can
 be
 their
place
of
work
to
Guwahati
will
be
additionally

availed
for
120
days
at
a
time.
(NOW
90
DAYS) paid.
 Similarly,
 Andaman
 Nicobar
 islands
 to

8.
Maternity
Leave
can
be
availed
in
combination/
 Chennai/
 Kolkata,
 Lakshadweep
 to
 Kochi,
 far­
continuation
with
other
kind
of
leave. flung
area
branches
in
HP,
Uttarakhand,
Sikkim,
J

&
 K
 or
 any
 other
 areas
 which
 are
 not
 directly

9.
2
months
leave
with
salary
will
be
granted
as
 connected
by
train,
fare
to
nearest
major
railway

additional
 ML
 for
 Hysterectomy
 operation
 where
 station
will
be
additionally
reimbursed
under
LFC

ML
limit
is
exhausted. in
addition
to
normal
entitlement.
10.
 Within
 the
 overall
 period
 of
 12
 months,
 23.
For
actual
travel
under
LFC,
train
fare
under

Maternity
leave
may
be
granted
upto
6
weeks
in
 dynamic
fare
system
as
on
the
date
of
booking

case
 of
 MTP/miscarriage/
 abortion,
 AND
 if
 of
tickets
will
be
reimburse.
required
upto
6
months
. 24.
Revision
of
Pony
and
addition
of
Dolly

11.
Maternity
Leave
for
legal
adoption
of
one
child
 charges
as
per
Govt
rates.
will
be
upto
a
max.
of
9
months.(NOW
6
MONTHS) 25.
 One
 more
 option
 will
 be
 given
 to
 choose

12.
Maternity
Leave
for
delivery
for
twin
children
 between
2
years
block
or
4
years
block
shall
be
8
month
(now
6
montsh) 26.
Income
criteria
for
definition
of
dependents
will

13.
 Within
 the
 overall
 period
 of
 12
 months,
 be
revised
from
Rs.
10,000
to
Rs.
12,000
Maternity
leave
may
be
granted
upto
30
days
for
 27.
 Employees
 removed
 from
 service
 under

the
 period
 of
 hospitalisation
 for
 the
 treatment
 of
 Voluntary
 Cessation
 Scheme
 will
 be
 eligible
 for

certain
specified
ailments,
subject
to
production
of
 retirement
benefits
including
pension,
if
otherwise

necessary
certificate
from
the
hospital. eligible.
14.Paternity
Leave
can
be
sanctioned
in
case
of
 28.
 Employees
 removed
 from
 service
 under

child
adoption. Voluntary
 Cessation
 Scheme
 will
 be
 given
 the

15.Absence
 from
 office
 due
 to
 curfew,
 riots,
 chance
to
represent/appeal
against
the
decision.
prohibitory
orders,
natural
calamities,
flood,
etc.
at
 29.
For
employees
transferred
out
of
station
under

the
place
of
work
or
residence
will
be
treated
as
 Deployment
policy,
the
compensation
amount
will

special
leave
on
duty. be
 revised
 from
 Rs.
 400
 to
 Rs.
 600
 per

16.
LFC:
permissible
Distance
will
be
revised
as
 month.(other
than
SBI)
2200
 km/4400
 km
 for
 non­substaff
 and
 2600
 30.
 When
 employees
 shift
 their
 personal
 effects

km/5200
km
for
substaff while
 on
 transfer
 to
 another
 station,
 Breakage

17.
Employees
will
be
permitted
to
travel
by
own
 charges
will
be
paid
at
Rs.
1650
for
clerks
and
Rs.

car
while
on
LFC 1100
 for
 substaff
 (on
 production
 of
 receipt).
 Rs.

18.
Road
Mileage
charges
will
be
revised
from
Rs.
 1100
 for
 clerks
 and
 Rs.
 825
 for
 substaff
 (on

6
per
km
to
Rs.
8
per
km. Declaration
basis).
19.T
rain
fare
by
Shatabdi
and
Rajdhani
express
 31.
 For
 definition
 of
 Family,
 physically/mentally

trains
 (non­Executive
 Class)
 will
 be
 reimbursed
 challenged
children
of
employees
will
continue
to

under
LFC
if
travel
is
undertaken
by
these
trains. be
 treated
 as
 dependents
 even
 after
 their

marriage
subject
to
income
criteria
of
dependents.
20.
Charges
for
local
sightseeing
while
on
LFC
will

be
 reimbursed
 within
 the
 entitlement
 on
 32.
Banks
contribution
to
the
NPS
fund
will
be
at
14

production
of
bills
from
approved
operators. %
of
Pay
&
Dearness
Allowance
instead
of
10%
21.
LFC
–
if
husband
and
wife
both
are
working
in
 33.
Service
Charges
under
New
Pension
Scheme

the
 same
 Bank,
 they
 will
 be
 entitled
 to
 LFC
 will
not
be
recovered
from
the
employees
and
will

individually.18.GST
 charges
 on
 train
 fare
 will
 be
 be
paid
by
the
Banks.
paid
over
and
above
the
entitlement 34.
 Cycle
Allowance
 will
 be
 increased
 from
 Rs.

22.
For
employees
working
in
North
East
States,
 100
to
Rs.
150
LFC
will
begin
from
Guwahati
and
the
fare
from
 35.
Washing
Allowance
will
be
increased
from
Rs.


BANK
FLAG







NOVEMBER
2020
08
150
to
Rs.
200
36.
Split
Duty
Allowance
–
Rs.
150
to
Rs.
200
37.
 Project
Area
Compensatory
Allowance
–
will
be
increased
to

 Project
Area
Group
A
­
 Clerk
:
Rs.290
 Substaff
Rs.
230

 Project
Area
Group
B

­
 Clerk
:
Rs
230
 Substaff
Rs.
200
Note
:
in
future
if
Govt
of
India
will
come
out
with
any
new
project,
and
if
any
allowance
is
paid
to
their

employees,
the
same
should
be
extended
in
banks.
38.Project
Area
 HRA
 (
A
 or
 B
 )will
 be
 paid
 at
 branches
 opened
 in
 Special
 Economic
 Zone,
 Export

Promotion
Zone,
etc
39.Definition
of
family
for
coverage
under
Group
Medical
Insurance
Policy/reimbursement
of
medical

expenses
and
LFC
–
Any
two
of
parents
or
parents­in­law
–
I.e.
father
&
mother,
father­in­law
&
mother­
in­law,
father
and
mother­in­law,
mother
and
father­in­law,
to
be
covered
40.
Revision
in
Halting
Allowance/Diem
Allowance

 12
lacs
and
above
–


 clerk:
 Rs.
1050
 
 substaff

 
 Rs.
750
5­

 12
lacs
 
 
 Clerk:
 Rs.

900
 
 substaff
 
 Rs
600

 Below
5
lacs
­

 
 clerk:
 Rs.
675
 
 substaff
 
 Rs.
375
41.
An
employee
can
also
claim
halting
expenses
reimbursement
by
production
of
hotel
rent
receipt

subject
 to
 ceilings
 prescribed
 :
 Provided
 further
 that
 in
 such
 cases
 of
 reimbursement
 of
 hotel
 rent,

boarding
charges
at
25%
of
the
haling
allowance
shall
be
payable.
42.Revision
in
Hill
and
Fuel
Allowance
(S.B.I
not
applicable)


 3000
M
>
 8
%
MAX
 Rs
2250.


 1550­3000
 4
%
MAX
 Rs
900

 <
1500
M
 3
%
MAX
 Rs
750
43.
Transportation
of
personal
effects
by
train
or
road
while
on
transfer
from
one
station
to
another
will
be

revised
as
under

 
 
 
 
 
 
 Non
Sub­staff

 Sub­staff

 a.
 For
married
persons

 
 3500
kg.
 
 2500
kg.

 b.
 For
unmarried
persons
 
 2500
kg.
 
 1500
kg.

44.
PLI
Scheme
will
be
introduced
from
the
FY
2020­21

DISCIPLINARY
ACTION
&
PROCEDURE

45.
Eligibility
for
claiming
TA/DA
by
the
Defence
Representatives
for
attending
departmental
enquiries

held
outside
the
State.
Such
claims
will
be
sanctioned
by
Banks
looking
to
the
merits
of
the
claims.
46.
Review
of
Clause
5
(j)
relating
to
acts
alleged
as
prejudicial
to
the
interest
of
the
Bank,
“Doing
any
act

prejudicial
to
the
interest
of
the
Bank”
will
be
deleted
from
Clause
5
j
under
major
misconduct
47.
Acts
alleged
as
prejudicial
to
the
interest
of
the
Bank.
This
will
be
included
under
Minor
Misconduct
as

a
new
Clause
7
(q).
48.
Clarification
with
regard
to
provision
of
Clause
6
e
of
Settlement
dt
10­4­2002
i.e.

bringing

down
by


BANK
FLAG







NOVEMBER
2020
09
two
stages
in
the
scale
of
pay.
The
specific
period
 

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PÂÑF‡FUÜF
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ùõ¶FF‡FPÞ¶F
of
 rigour
 shall
 be
 mentioned
 in
 the
 punishment

order.
It
can
be
for
a
maximum
of
2
years
without

cumulative
 effect
 and
 annual
 increment
 /
 ÙFÍFFGaÜFFc
-
P¼æFFáFU
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stagnation
increment
falling
due
during
the
rigour

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2020
=+X
11æFFc
PÂÑF‡FUÜF
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period
will
be
released
on
respective
due
dates
49.
 Clarification
 will
 be
 given
 that
 acts
 of
 minor
 J=+
ÞFñd,
J=+
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misconducts
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enumerated
under
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of
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 dated
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 should
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brought
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major
misconduct
under
Clause
5.
50.
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charges,
as
per
the
procedural
lapses,

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Disciplinary
Authority
to
be
given
the
discretion
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 punishment
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benefit
or
not. õFÛF¤FZ¶FW
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=W+
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P=+J
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52.
 Imposing
 'Fine'
 as
 punishment
 should
 be
 ùYk—
deleted
from
the
list
of
punishments. ÒÛF]&F
PæFèFWðF¶FFÜFXk
:
53.
Provision
to
be
added
for
making
an
Appeal
 
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PÙFáF
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æF_PÊ
ß.
3385
=+ÞX°s
ÒP¶F
æFðFa
against
suspension
of
employees.
Representation

would
 be
 permitted
 for
 consideration
 by
 
 29
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;FJ
-
12
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-


management 
 10
PÎF¡FU
ÙFYk=+
-
7
PæF¼WèFU
ÙFYk=+
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 Provision
 for
 a
 Review
 authority
 above
 
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‡FW∙F
=W+
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PÎF¡FU
ÙFYk=+X
EZÞ
PæF¼WèFU
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Appellate
 authority
 in
 case
 of
 punishments
 of

Dismissals,
 Discharge,
 Compulsory
 retirement
 
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áFF&F
=+ÛFa˜FFPÞÜFXk
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and
 Removal
 from
 service
 .
An
Authority
 above

 
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:
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2017
õFW
Eƒ©[ÙFÞ
2020
t h e 
 A p p e l l a t e 
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representations
 for
 review
 in
 cases
 of
 such
 
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:
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1990
­
2
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J=+
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:
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1000
­
2
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9
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BANK
FLAG







NOVEMBER
2020
10
 PæFèFWðF
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: PáFPÑF=+UÜF
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=W+
PáFJ
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20 7712 81.80 23.80 340 43

BANK
FLAG







NOVEMBER
2020
11

 PæFèFWðF
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BANK
FLAG







NOVEMBER
2020
12
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BANK
FLAG







NOVEMBER
2020
13
 ¡FFJ;FF—
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BANK
FLAG







NOVEMBER
2020
14
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BANK
FLAG







NOVEMBER
2020
15
 ON RBI'S PROPOSAL OF BANKING LICENCE TO CORPORTES

We
reproduce
hereunder
the
Press
Statement private
Banks
failed
and
ordinary
people
lost
their

issued
bt
C H Venkatachalam 

General
Secretary money
kept
in
the
Banks?
AIBEA
on
RBI's
proposal
to
give
banking 5.
 Can
 anyone
 forget
 the
 past
 where
 the

licences
to
corporate
houses 
 Government
 wanted
 the
 private
 banks
 of
 those

years
to
help
the
country’s
economic
development


 AIBEA
 OPPOSES
 RBI’S
 PROPOSALS
 TO
 but
 those
 ‘patriotic
 bank
 owners’
 refused
 to


 GIVE
 BANKING
 LICENSE
 TO
 CORPORATE
 c o n t r i b u t e 
 f o r 
 b r o a d ­ b a s e d 
 e c o n o m i c


 HOUSES development?

 BORROWER
 SHOULD
 NOT
 BECOME
 THE
 6.
Can
anyone
deny
the
fact
it
is
the
big
corporate


 LENDER. and
business
houses
who
are
the
major
defaulters


 RBI
 TRYING
 TO
 REVERSE
 THE
 CLOCK
 of
bank
loans
?
Is
it
prudent
to
allow
these
corporate


 BACK houses
to
own
and
control
Banks?
The
 recommendations
 made
 by
 the
 RBI
 Internal
 7.
 Can
 anyone
 agree
 that
 the
 lender
 (bank)
 and

Working
Group
has
suggested
the
following,
among
 borrower
(corporate
house)
can
be
owned
by
the

other
recommendations: same
people
?
Will
it
not
lead
to
conflict
of
interest

and
affect
good
governance?
­

 Large
 corporate/industrial
 houses
 may
 be


 allowed
as
promoters
of
banks. 8.
 Can
 anyone
 dispute
 the
 commendable
 role

played
 by
 nationalised
 Banks
 all
 these
 five

­

 Promoters’
 stake
 in
 the
 Bank’s
 equity
 share

decades?
 Safety
 for
 people
 money,
 reaching
 the


 capital
can
be
increased
from
15
to
26%.
banking
public
all
over
the
country
including
in
rural

­

 Large
Non­Banking
Finance
Companies
owned
 areas
and
giving
loans
to
priority
sector
–
Are
not


 by
the
Corporate
Houses
can
be
converted
as
 these
 benefits
 attributable
 only
 to
 nationalised


 full­fledged
Banks Banks?
­

 Payment
 Banks
 can
 be
 converted
 as
 Small
 9.
Have
private
Banks
contributed
for
employment


 Finance
Banks generation,
direct
and
indirect,
in
the
massive
way,

All
 these
 suggestions
 and
 recommendations
 are
 the
nationalised
Banks
have
done?
most
 retrograde
 and
 unwarranted
 in
 Indian
 10.In
such
employment
in
nationalised
Banks,
there

conditions.
Our
Banks
represent
Rs.
135
lac
crore
 is
reservation
policy.
If
Banks
are
handed
over
the

of
 people’s
 money.
 RBI
 is
 supposed
 to
 be
 the
 private
 corporate
 houses,
 will
 this
 Reservation

repository
 of
 the
 people’s
 faith
 in
 the
 banking
 Policy
not
get
affected?
system
 but
 unfortunately,
 RBI
 itself
 is
 suggesting

AIBEA
 is
 the
 organisation
 that
 demanded,

measures
that
will
endanger
the
safety
of
people’s

campaigned,
fought
and
achieved
nationalisation
of

money
in
the
Banks.
Banks
in
1969.
AIBEA
is
the
organisation
which
has

1.
Can
anyone
forget
the
past
when
so
many
private
 been
 fighting
 against
 all
 attempts
 to
 weaken
 the

banks
owned
and
controlled
by
the
Corporates
and
 public
sector
Banks.
Now
also,
if
the
Government

Big
Business
Houses
of
our
country
mismanaged
 and
the
RBI
try
to
allow
corporate
houses
to
take

the
Banks
and
innocent
people
lost
their
precious
 over
 Banks,
 AIBEA
 will
 unleash
 countrywide

savings
? agitation
and
organize
repeated
strikes.
2.
Can
anyone
forget
the
scams
of
the
past
where
 W e 
 s t r o n g l y 
 d e n o u n c e 
 t h e 
 p r o v o c a t i v e

Bank
owners
became
the
borrowers
too
and
looted
 recommendations
 of
 the
 RBI
 Working
 Group
 and

public
money
? urge
 upon
 the
 Government
 to
 reject
 these

3.
 Can
 anyone
 forget
 the
 past
 when
 the
 Banks
 proposals.
 Government
 should
 further
 strengthen

controlled
by
the
Corporates
were
catering
only
to
 public
sector
Banks
in
national
interest.
the
 rich
 and
 affluent
 and
 common
 people
 had
 no

access
to
banking
services? People’s
money
for
people’s
welfare
4.
Can
anyone
easily
forget
the
past
when
so
many
 Not
for
private
corporate
loot

BANK
FLAG







NOVEMBER
2020
16
ON 11th BPS

100
reasons
to
cheer
the
11th
Bipartite
Settlement

15.

BANK
FLAG







NOVEMBER
2020
17
BANK
FLAG







NOVEMBER
2020
18
BANK
FLAG







NOVEMBER
2020
19
BANK
FLAG







NOVEMBER
2020
20
BANK
FLAG







NOVEMBER
2020
21
BANK
FLAG







NOVEMBER
2020
22
 36TH
DEATH
ANNIVERSARY
OF
COM.
PRABHAT
KAR
THE
IMMORTAL
LEADER
OF
AIBEA

BPBEA
observed
36th
Death
Anniversary
of
legendary
leader
of
AIBEA,
Com
Prabhat
Kar,
who
passed
away
on
27th
November,
1984.
Com
Rajen
Nagar,
President
AIBEA,
General
Secretary,
BPBEA,
paying
floral
tribute
to
Com.
Prabhat
kar
on
27th
November,
2020

Dear
comrades,
all
these
improvements
have
been
possible
only
due
to
the
abundant
unity

of
our
members,
inspiring
militancy
of
our
cadres,
unflinching
loyalty
to
the
organisation,

unshakable
faith
in
the
leadership,
and
above,
and
unfathomable
love
towards
AIBEA.

Our

red
salute
to
all
of
you.
BANK
FLAG







NOVEMBER
2020
23
 VIEWPOINT

One
Nation
–
One
Salary and
the
Settlement
could
be
signed.
 
It
is
a
unique


achievement
indeed.
achieved.
Platinum
Jubilee One
Nation
–
One
Salary
–
unique
achievement:

Gift
from
AIBEA From
 the
 earlier
 period,
 when
 salary
 of
 the
 bank

employee
was
differentiated
based
on
the
size
of
the

to
bank
employees Bank
 and
 the
 place
 of
 his
 working,
 like
 A
 Class

Banks,
B
Class
Banks,
C
Class
Banks,
and
D
Class

C
H
Venkatachalam Banks
and
Area
I,
II,
II
and
IV
based
on
population,

General
Secretary,
AIBEA we
achieved
uniform
Basic
Pay/Pay
Scales
in
1970

in
 the
 2nd
 Bipartite
 Settlement
 but
 the
 total

Ever
since
AIBEA
was
founded
on
20th
April,
1946,
 emoluments
were
based
on
category
of
Banks
and

endeavouring
 to
 improve
 the
 wages
 and
 service
 place
of
work
of
the
employee.


conditions
of
bank
employees
has
been
a
part
of
our
 Today
we
are
very
happy
and
proud
that
in
this
11th

basic
commitment.
From
those
days
of
jungle
rule
 Bipartite
 Settlement,
 we
 could
 achieve
 ONE

exploitation
by
the
management,
we
travelled
to
the
 NATION
 ONE
 SALARY
 by
 which
 employees

days
 of
 pleading
 before
Tribunals
 and
 were
 faced
 working
 in
 any
 Bank
 and
 in
 any
 place
 will
 get
 the

with
unsatisfactory
Awards.

 same
 uniform
 total
 emoluments.
 
 It
 is
 a
 unique

Tribunalisation
to
Bipartism:
Then
dawned
the
era
 achievement
indeed.
of
bilateralism
from
1966
when
AIBEA
fought
a
royal
 Achieved
 under
 difficult
 circumstances:
 
 We

battle
and
achieved
the
first
ever
bipartite
settlement
 cannot
forget
the
fact
that
our
country
is
still
not
out
of

in
any
industry
at
that
time.
 
Bipartite
Settlement
in
 the
 challenge
 and
 health
 risk
 posed
 by
 covid19.


Banks
became
a
hallmark
for
others
to
follow
and
 Because
of
Covid19,
our
national
economy
is
facing

thus
AIBEA
became
the
pioneer
and
pace­setter.

It
 stagnation
 and
 stagflation.
 
 GDP
 has
 plummeted

became
 a
 trend
 and
 AIBEA
 achieved
 10
 bipartite
 and
struggling
to
come
up.
 
In
no
other
industry
or

settlements
 thereafter
 in
 1970,
 1979,
 1984,
 1989,
 sector,
 there
 are
 talks
 of
 wage
 revision
 and
 wage

1995,
2000,
2005,
2010
and
2015.
This
is
the
11th
 increase.

In
fact,
on
the
other
hand,
workers
in
many

successive
one
­
the
11th
Bipartite
Settlement
which
 sector
 are
 facing
 wage
 cuts,
 wage
 reduction,
 etc.


AIBEA
 has
 signed
 yesterday.
 
 AIBEA
 is
 the
 only
 Even
 for
 Government
 employees,
 DA
 has
 been

organisation
 that
 has
 signed
 all
 the
 11
 Bipartite
 frozen.
 
It
is
in
this
adverse
situation
that
we
have

Settlement
 so
 far.
 
 We
 can
 legitimately
 feel
 proud
 achieved
 this
 wage
 increase.
 
 It
 is
 a
 unique

about
it.
It
is
a
unique
achievement
indeed. achievement
indeed.
Attacks
on
bipartism
­
:
It
is
important
to
remember
 Government's
 policies
 not
 so
 friendly
 –
 yet
 we

that
 in
 the
 last
 five
 decades,
 there
 have
 been
 could
achieve:
 
All
of
us
know
the
labour
policies
of

innumerable
attempts
to
scuttle
this
bilateral
system
 the
present
Government.
It
is
not
worker­friendly
at

to
foist
third
party
interventions.

We
have
constantly
 all.

Even
minimum
wage
is
being
denied
to
millions

opposed
these
attempts.

This
time
also,
there
were
 of
workers.
Labour
laws
and
labour
rights
are
being

serious
 attempts
 by
 anti­AIBEA
 inimical
 forces
 to
 weakened.
 
Role
of
trade
unions
are
sought
to
be

foist
 a
 Tribunal.
 We
 are
 happy
 that
 we
 could
 diminished.
 
It
is
significant
that
in
this
scenario,
we

overcome
all
these
nefarious
moves
and
sign
one
 have
 been
 able
 to
 conclude
 the
 Settlement

more
bipartite
settlement
thus
preserving
the
hard­ successfully.

It
is
a
unique
achievement
indeed.
won
 right
 of
 collective
 bargaining
 and
 bilateralism

Banks
 passing
 through
 tough
 times,
 yet
 we
 could

which
have
been
bequeathed
to
us
by
our
leaders

make
it:
 
We
also
know
that
all
Banks
are
not
doing

Com.
Prabhat
Kar
an
Com
H
L
Parvana.

well.
 
Banks
are
facing
multiple
challenges.
 
NPAs

are
on
the
increase
and
revenue
level
is
a
matter
of

Similarly,
 as
 in
 the
 past,
 this
 time
 also
 till
 the
 last
 concern.
Hence
profitability
is
a
major
issue
for
the

minute
attempts
were
afoot
to
create
legal
hurdles
 Banks.
Covid19
has
added
to
their
problems.
Hence

through
obtaining
some
stay
order
from
court,
etc.

 while
our
demands
for
more
wages
are
very
genuine

All
these
ill­motived
efforts
could
also
be
frustrated
 and
 quite
 reasonable,
 we
 faced
 a
 lot
 of
 problem


BANK
FLAG







NOVEMBER
2020
24
during
negotiations.
 
IBA
started
with
a
meager
2%
 Bank.
 
 Similarly,
 Privilege
 Leave
 can
 be
 encashed

and
it
took
a
lot
of
efforts
including
strikes
to
reach
the
 every
year
for
any
one
of
the
festivals
upto
5/7
days.


level
of
15%
i.e.
an
amount
of
Rs.
7,898
crores
(Rs.
 For
the
first
time,
it
has
been
agreed
that
substaff
who

3,385
crores
for
workmen
and
Rs.
4,513
crores
for
 pass
 CAIIB/JAIIB,
 will
 be
 sanctioned
 additional

officers).
This
is
much
higher
than
Rs.
4725
crores
 increments
like
clerical
staff.
 
One
more
stagnation

that
we
achieved
in
the
10th
Bipartite
Settlement
in
 increment
 has
 been
 introduced
 and
 periodicity
 has

2015
 (Rs.
 2270
 crores
 for
 workmen
 and
 Rs.
 2455
 been
made
uniform
to
all
at
once
in
2
years.
All
these

crores
for
officers),
an
increase
of
nearly
70%
in
the
 are
 new
 benefits
 in
 this
 Settlement.
 It
 is
 a
 unique

total
 quantum
 of
 hike
 in
 the
 wage
 revision.
 It
 is
 a
 achievement
indeed.
unique
achievement
indeed. Retiral
 benefits
 will
 go
 up:
 In
 these
 hard
 days
 of

Management's
 various
 adverse
 proposals
 unabated
inflation
and
constant
fall
in
value
of
money,

thwarted:
 When
 we
 submitted
 our
 Charter
 of
 while
our
wages
are
important,
equally
important
are

Demands
in
May,
2017,
managements/IBA
submitted
 our
post­retirement
benefits.
 
Under
this
Settlement,

various
 issues
 as
 management's
 issues
 to
 be
 care
has
been
taken
to
improve
retiral
benefits
also.

discussed
and
resolved
which
included
permission
to
 For
 the
 young
 employees
 who
 have
 joined
 Banks

outsource
all
our
regular
jobs,
introduction
of
Cost
to
 after
April,
 2010,
 the
 management's
 contribution
 to

Company
 package,
 Fixed
 Pay
 and
 Variable
 Pay
 New
 Pension
 Scheme
 would
 be
 14%
 instead
 of

system,
 flexibility
 to
 transfer
 employees,
 premature
 present
 10%
 i.e.
 a
 40%
 increase
 in
 the
 amount
 of

retirement
of
employees
in
public
interest,
etc.
 
IBA
 Bank's
 contribution
 to
 the
 Fund.
 For
 senior

brought
 all
 these
 issues
 during
 the
 course
 of
 employees,
 there
 would
 be
 increase
 in
 Gratuity,

negotiations
 but
 through
 our
 arguments
 and
 Pension,
 Commutation
 and
 Leave
 Encashment

standpoints,
we
could
thwart
all
these
proposals.

It
is
 amounts.
It
is
a
unique
achievement
indeed.
a
unique
achievement
indeed. Family
 Pension
 being
 improved:
 
 It
 has
 been

Improvements
 in
 service
 conditions
 secured:

 recorded
in
the
Settlement
itself
that
Family
Pension

Besides
 wage
 increase,
 various
 service
 conditions
 would
be
revised
at
uniform
rate
of
30%
without
any

have
been
improved
upon.
 
Special
Allowance
and
 ceiling.
 
This
would
result
in
increase
in
the
Family

Transport
Allowance
have
been
improved
upon
and
 Pension
of
all
existing
family
pensioners.
 
Ofcourse

will
 attract
 DA,
 Leave
 benefits
 like
 sick
 leave,
 this
 would
 also
 apply
 to
 the
 families
 of
 existing

maternity
 leave,
 paternity
 leave,
 special
 casual
 employees
 who
 unfortunately
 die
 during
 service
 or

leave/curfew
 leave,
 special
 casual
 leave
 for
 PWD,
 after
retirement.

It
is
a
unique
achievement
indeed.
Leave
Fare
Concession,
Halting
Allowance,
Hill
and
 All
due
to
your
unity
–
keep
it
up:

Dear
comrades,

fuel
allowance,
all
other
allowances,
etc.
have
been
 all
 these
 unique
 achievements
 were
 possible

improved
upon.
It
is
a
unique
achievement
indeed. because
 of
 your
 unity,
 militancy
 and
 faith
 in
 the

Uniform
HRA
in
all
Centres:

There
is
a
remarkable
 organisatioin.
Ofcourse,
achievement
is
a
tradition
in

improvement
in
HRA.

In
the
1st
BP
Settlement,
HRA
 AIBEA.
 Hearty
 Greetings
 to
 all
 of
 you.
 Massive

was
 Rs.
 11
 to
 Rs.
 25
 in
 Mumbai
 and
 Kolkata.
 
 In
 congratulations
to
all
of
you.
places
with
7
lacs
population
&
above,
it
was
Rs.
9
to
 We
dedicate
this
Settlement
to
the
hallowed
memory

Rs.
18.

In
other
places,
no
HRA
was
paid.

In
the
4th
 of
Com.
Prabhat
Kar
and
Com
Parvana
who
are
the

BPS
in
1984,
even
rural
area
branches
were
covered
 architects
of
bipartism
in
banking
industry.
for
 payment
 of
 HRA
 but
 rates
 were
 different
 for

different
centres.

In
this
Settlement,
for
the
first
time,
 This
 Settlement
 is
 a
 gift
 from
 AIBEA
 to
 all
 our

HRA
will
be
paid
at
10.25%

to
all
the
employees
in
all
 members
when
we
are
celebrating
the
75th
year
–

the
 Centres.
 Moreover,
 where
 an
 employee
 is
 Platinum
Jubilee
of
our
beloved
AIBEA.

transferred
 by
 the
 management
 (other
 than
 at

request),
he/she
can
claim
HRA
at
1.5%
of
his
HRA
by
 
 Enjoy
the
benefits.














producing
rent
receipt.
It
is
a
unique
achievement


 Enumerate
the
achievements
to
others.

indeed.

 Educate
the
ignorants.








New
 benefits
 introduced:
 
 A
 new
 Scheme
 of

Performance
 Linked
 Incentive
 has
 been
 introduced
 
 Eliminate
the
ill­motived.

from
this
year
under
which
all
employees
will
be
paid
 
 Endeavour
to
strengthen
AIBEA
–
it
is

additional
incentive
amount
based
on
the
profit
of
the
 
 yours.


BANK
FLAG







NOVEMBER
2020
25
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BANK
FLAG







NOVEMBER
2020
26
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BANK
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BANK
FLAG







NOVEMBER
2020
28
 Registration No. KOL RMS/43/2019-21
At
the
negotiation
table
 

on
11 11 2020 Published on 31 AUGUST 2020
Regd. No. RN/63148/95

IBA
o cials


Our
leaders

To

ALL INDIA BANK EMPLOYEES’ ASSOCIATION

LONG LIVE
AIBEA

Signed 
congratulations
to
our
beloved
leaders
BANKFLAG
3B. LALBAZAR STREET

PHONE: 2262-2192
KOLKATA – 700001
1ST FLOOR
From

AIBEA
o ce
bearers
present
on
the
final
day
Published by Shri Kamal Kumar Bhattacharyya on behalf of All India Bank Employees Association, 3b Lal Bazar
Street, Kolkata-700001 & E-Journal by Wings Media, www.wingsmedia.co.in Editor – Shri Kamal Kumar
Bhattacharyya.
BANK
FLAG







OCTOBER
2020
29