Submission of Existence Certificate by a Pensioner who is abroad

 Dear All,

I had received a message from a viewer last year stating that it was possible to generate an Existence Certificate by the pensioner who Iwas residing in a foreign country by using Jeevan namaste App.

I am not able to lay hands on the same.

I make an to that person to resend the same to me for publication on my blog for the convenience of those pensioners who are abroad at the moment. 

With regards,

R K SAHNI  

Family Pension Anomaly Chart as at 31 8 2026.docx

Family Pension Anomaly Chart as at 31 8 2026.docx

Family Pension Anomaly Chart as at 31 8 2026.docx FAMILY PENSION ANOMALY CHART AS AT 31/8/2026 AFTER ADDITION OF 47 DR SLABS FROM 1/8/2026 BASED ON SALARY ON MAXIMUM OF SCALE SWEEPER(Deceased) Period of Retirement Gross Basic Family Pension DR as at 31/8/2026 Gross Total Family Pension as a

Compiled by C H MAHADEVAN 

PENSION ANOMALY CHART AS AT 31 8 2026.docx

PENSION ANOMALY CHART AS AT 31 8 2026.docx

PENSION ANOMALY CHART AS AT 31 8 2026.docx PENSION ANOMALY CHART AS AT 31/8/2026 AFTER ADDITION OF 47 DR SLABS FROM 1/8/2026 IGNORING FIXED PERSONNEL ALLOWANCE AND IGNORING COMMUTATION SWEEPER Period of Retirement Gross Basic Pension DR as at 31/8/2026 Gross Total Pension as at 31/8/20

 Compiled by C H MAHADEVAN 

Existence Certificate

 In Banks , Pensioners and Family pensioners submit life certificate, in a nearest Branch of their Bank. The Bank Branch will forward it to their Pension Cell in their H . O.

My younger sister is a Scale 5 Family Pensioner  of Canra Bank , and she follows this procedure in November every year in Kakinada.

V VN L SASTSRY

Acceptance 0f Existence Certificate from Pensioners

It must be possible by use of technology. When we are able to collect premium from any Branch why not put in a place a software program to generate EC from any Branch with a password or m Pin?It should be possible. Only the retiree must be in a position to go there..

C H Mahadevan 

The suggestion of Shri Rajeev Goel

 Sir,

LIC is now in the process of stabilizing and use of submission of EC through Jeevan Saakshya. By doing this one need not go to nearest branch also. Sitting in his drawing room EC can be submitted.

All the Pensioner's Unions should undertake programs to educate Old Pensioners to submit EC online. NOIP is trying to do the above through their Divisional Units. Some dedicated activists are visiting Pensioners in their homes and assisting them in submitting EC through Jeevan Saakshya. 

However, the suggestion by Sri Rajeev Goel ji is good and can be taken up with CO.

C  T JOSHI 

Suggestion in r/o Existence certificate (EC) by LIC Pensioners

Suggestion in r/o Existence  certificate (EC) by LIC  Pensioners

-----------------------------

As an policy holder having annuity policy in any  branch , can submit  his  counter signed ( by authorised official)  physical  EC in any nearest branch and official validate it and annuity released in due time.

Just like this, A provision should be there for pensioners also to submit their EC in any nearest branch and branch official should counter sign his EC and validate in system . This will be very helpful for pensioners. 

Submitted for favorable consideration.

Rajeev Goel 

Pensioner

*Federation of Class I Officers News Update*

*Federation of Class I Officers News Update*

This Message is received from in service Federation General Secretary.👇

Dear Friends,

The core committee members of the Federation of LIC Class-1 Officer's associations,  along with Our Hon'ble Chairperson Sri Sujeet Kumar ji, MP, met Department of Financial Services Secretary Sri. Sanjay Lohiya ji, Additional Secretary Dr. Debasish Prusty ji,  Joint Secretary DFS Smt. Shalini Pandit madam and Director of Insurance  -1 of DFS Smt Mandakini Balodhi madam at DFS office, Ministry of Finance, New Delhi, today on 31st July 2026. 

The following key policy matters concerning LIC officers and the corporation discussed in length in the meeting

1. Updation of pension and enhanced family pension up to the age of 67, Pension calculation on the basis of last drawn salary and granting of annual increment which is fallen due irrespective of whether the employee remains in service or not (as per the Honorable Supreme Court Order) and paying final benefits accordingly. As an immediate measure towards Pension Updation, Federation suggested 100% merger of DA with basic pension upto  last wage revision (Aug-2022) and then declaring DA on the revised Basic Pension along with updation of Pension as per RBI pattern.

2. Work Life balance and comprehensive HR policy discussed.

3. Unilateral Implementation of Non Transparent Promotion Process during current Promotion round and immediate rectification thereof with immediate release of supplementary list.

4. Greater autonomy for LIC

5. Federation's representation in LIC's board

6. Restoration of deferred NGI

7. Gratuity tax exemption limit increases to Rs. 25L

Every concern placed before has been discussed in detail. The stand of the Federation has been well received by the officials.

During discussion, It is informed by the DFS officials that they will be arranging a meeting of LIC officials and Class-1 Federation representatives for detailed discussion on the matters presented before DFS today, immediately after the present parliament session. Matters which are pending with the finance ministry for decisions will be taken up by DFS immediately.

B P Singh Chauhan  

General Secretary.

Follow Steps to submit an existing certificate on *LIC DIGITAL APP*

  

   

  
Follow Steps to submit an existing certificate on *LIC DIGITAL APP*

Digital Existence Certificate generstion

Dear All Pensioners Friends,

We are facing problem in generating the Digital Existence Certificate through JEEVAN SAAKSHYA App available on LIC Digital App.

I post below the message received by me from Team Manager of JEEVAN SAAKSHYA App for your kind information.

With Greetings and regards,.

 R K SAHNI 

.

"Don't worry. People will be able to generate. iPhone users will be able to do it Monday onwards.

.LIC Jeevan Saakshya Team Manager "

DA/DR from July 2026 @ 63% Confirmed will approve in Sep, 2026 जुलाई, 2026 से DA/DR 63 प्रतिशत निश्चित – CPI-IW for June, 2026 released | StaffNews

DA/DR from July 2026 @ 63% Confirmed will approve in Sep, 2026 जुलाई, 2026 से DA/DR 63 प्रतिशत निश्चित  – CPI-IW for June, 2026 released | StaffNews

 DA/DR from July 2026 @ 63% Confirmed will approve in Sep, 2026 3 प्रतिशत की वृद्धि के साथ जुलाई, 2026 से DA/DR 63 प्रतिशत निश्चित  – CPI-IW for June, 2026

THE PUBLIC EXAMINATIONS (PREVENTION OF UNFAIR MEANS) AMENDMENT ACT, 2026

THE PUBLIC EXAMINATIONS (PREVENTION OF UNFAIR MEANS) AMENDMENT ACT, 2026

Click below:-

https://drive.google.com/file/d/1vPSFRWBdSP6ayd9r0Bynl5DICtE4DhQL/view?usp=drivesdk

Consumer Price Index for Industrial Workers (2016=100) – June, 2026

GOVERNMENT OF INDIA
MINISTRY OF LABOUR & EMPLOYMENT
LABOUR BUREAU
F.No. 5/1/2021-CPI Shram Bureau Bhawan, Block No. 2,
Institutional Area, Sector 38 (West),
Chandigarh – 160036
Dated: 31.07.2026
Press Release
Consumer Price Index for Industrial Workers (2016=100) – June, 2026
1. Labour Bureau, an attached office of the M/o Labour & Employment, has been compiling
Consumer Price Index for Industrial Workers every month on the basis of retail prices collected
from 317 markets spread over 88 industrially important centres in the country. The index for the
month of June, 2026 is being released in this press release.
2. The All-India CPI-IW for June, 2026 increased by 1.1 points and stood at 151.9 points (one
hundred fifty-one point nine).3. Year-on-year inflation for the month of June, 2026 stood at 4.76% as compared to 2.55% in
June, 2025.
Y-o-Y Inflation based on CPI-IW (Gener

154th Issue of Eastern News, August, 2026

Respected Members/Readers,

As the tricolour unfolds against the morning sky on August 15, 2026, India marks its 80th Independence Day—a milestone reflecting eight decades of sovereignty, resilience, and democratic strength. From the midnight chime of August 15, 1947, when the nation awoke to freedom after nearly two centuries of British colonial rule, the story of modern India has been defined by the sacrifices of countless freedom fighters and the quiet determination of millions of ordinary citizens.

Over the past eight decades, India has transformed from an impoverished, newly partitioned state into one of the world's fastest-growing major economies and a leading voice in scientific innovation, space exploration, and technology. The journey to 80 years of freedom is a tribute not only to foundational leaders like Mahatma Gandhi, Jawaharlal Nehru, Sardar Vallabhbhai Patel, and Netaji Subhas Chandra Bose, but also to generations of farmers, scientists, teachers, and youth who built the republic brick by brick.

Against the aforesaid  backdrop, we are attaching herewith  the  154^th    Issue of   August 2026  Eastern News featuring  analytical articles on 80^th Independence Day and other relevant topics. It is needless to mention that we highly value your insights regarding our topics, contents and our activities. Please forward your views to at e-mail licretiredofficers@gmail.com. Your feedback will be published in a subsequent issue.

We extend our heartfelt greetings and best wishes to all readers and their family members on the occasion of the 80^th Independence Day.

 With regards,

General Secretary LIC Retired Class-I Officers’ Association One Attachment-Eastern News  Click below:' https://drive.google.com/file/d/1h78rvq2FKt3JAD6ejU3Pv-MpLjWmR8YI/view?usp=drivesdk

Pension Anomaly Chart as on 3.1.08.2026--

Pension Anomaly Chart as on 3.1.08.2026-- CLICK HERE 

Dearness Relief payable to pensioners

Dearness Allowance Increase wef 01.08.2026

(Affiliated to: NCBE) C/o Bank of India, Jalandhar Main Branch

Nirmal Complex, G.T.Road Jalandhar City-144001 Email:ncbisu@yahoo.co.in,Website:www.ncbisu.in

Ref. No.NCBISU:DA:2026/08

DATE:31.07.2026

To All Units/Members.

We wish to inform that due to rise of 2.13 points in quarterly average of All India Working Class Consumer Price Index (Base 2016) for the quarter ended JUNE 2026 there will be increase of 2.13% in dearness allowance w.e.f. AUG 2026:

We are giving below the price index figures:-

April 2026.  149.9

May  2026.  150.8

June 2026.  151.9

Average Price Index 150.86

D.A. Rate (For All Staff)

27.83 %

of Pay (i.e. Basic Pay + Sp. Pay + P.Q. Pay)

+Special Allowance +Transport Allowance

With Greetings.

(K.K.KHOSLA)

PRESIDENT

PENSIONERS-DA INCREASE

RETIRED BEFORE NOV 2022 47 slab ON OR AFTER NOV 2022 2.83

AICPI-IW FOR JUNE,2026 is 151.90

AICPI-IW FOR JUNE,2026

+        149.9000 Apr
+        150.8000 May
+        151.9000 June
-----------------
+        452.6000
/          3.0000
-----------------
+        150.8667
*          2.8800
*          4.6300
*          4.9300
-----------------
+       9917.7644
-       9728.0000 Last Avg
-----------------
+        189.7644
/          4.0000
-----------------
+         47.4411
ie increase of
(1)
        
+         47.0000 SLABS OF DR FOR Pensioners of LIC AND GIC
Bank Pensioners retired upto 31.10.2022
wef 01.08.2026.
(2)
+         35.0000 slabs of DA for inservice employees
of LIC & GIPSAslabs of DA for inservice employees
of LIC & GIPSA
(3)
+          2.1300 % for Bank Employees and
employees and pensioners who retired on and after 01.11.2022

🚨🚨🚨🚨 Alert ‼️ Alert ‼️

🚨🚨🚨🚨

Alert ‼️ Alert ‼️ 

This is to inform you that there are malicious mails going to lic employees personal lic mail from

*LIC CONNECT* which is suspicious with mail subject as

“ FORM 16 Revised file”

Do not click on the mail.

Kindly alert all employees if there so regarding this suspicious mail.

Recent there is case of hacking in BANK OF BARODA last few days ago because of suspicious link clicked by one of their employees. The data of the bank leaked in Dark web.

Please be alert 🚨

यह थे 1947 से 1977 तक देश के शिक्षा मंत्री

PIB::Prime Minister lauds the passage of a Bill by Parliament making the examination system more robust

Prime Minister lauds the passage of a Bill by Parliament making the examination system more robust 

Click below:-

https://pib.gov.in/PressReleaseIframePage.aspx?PRID=2292135&RegID=3&LID=1

प्रधानमंत्री नरेंद्र मोदी का देशवासियों के नाम वीडियो संदेश

प्रधानमंत्री नरेंद्र मोदी ने लोक परीक्षा (संशोधन) विधेयक को संसद से मंजूरी मिलने के बाद देशवासियों के नाम एक वीडियो संदेश जारी किया। उन्होंने कहा कि सरकार भरोसेमंद और पारदर्शी परीक्षा प्रणाली बनाने के लिए लगातार काम कर रही है। प्रधानमंत्री ने कहा कि इस दिशा में एक के बाद एक कई कदम उठाए गए हैं। उन्होंने बताया कि इस कानून को तैयार करते समय राज्यों के सुझावों का भी पूरा ध्यान रखा गया, क्योंकि पिछले कई वर्षों से लगभग सभी राज्य और केंद्र सरकार पेपर लीक जैसी समस्या से जूझ रहे हैं

Click below:-

https://drive.google.com/file/d/1Loy2hrTVTWeCqpis8F7TPMsxCLYJvkA2/view?usp=drivesdk

*Shaheed-E-Azam Sardar Udham Singh* 🇮🇳 JULY 31 - Martyrs Day.

-*Shaheed-E-Azam Sardar Udham Singh* 🇮🇳 JULY 31 - Martyrs Day.

*Sardar Udham Singh* was a revolutionary who sacrificed his life for the independence of INDIA ie. *Bharat*.

On *13th April 1919, Baisakhi day*, hundreds of innocent Hindus and Sikhs had gathered at *Jallianwala Bagh, Amritsar* for a peaceful meeting.  

*General Dyer* ordered his troops to fire without warning. Thousands were killed and wounded. It was one of the most brutal massacres in our history.

To avenge those martyrs, *Udham Singh* took a vow.  

After 21 years, on *13th March 1940 in London, England*, he shot dead *Sir Michael O'Dwyer* — the former Lieutenant Governor of Punjab who had approved General Dyer's actions that day.

He was arrested and on *31st July 1940* he was hanged in Pentonville Jail, London.  

His last words were: *"I am proud of my deed."*

Today, *Sarabha Nagar in Ludhiana* stands as a tribute to his courage. 

*"Jai Hind"* 🇮🇳  

_With respect_  

*H K Aggarwal*  

_Octogenarian 89+.

Mohali Chandigarh. 

( Born and brought up in Ludhiana).

---

THE NOTE ON THE PROCEEDINGS IN M C SINGLA CASE IN SC

A detailed note on the M C Singla case hearing of 22/7/2026 by Mr Satyanarayana , a retired Bank Chief Manager of Andhra Bank  is attached .

C H Mahadevan 

Click below:-

https://drive.google.com/file/d/1Zy5mWvasl_WS2ZpD4xThtpFeXwG_V4m4/view?usp=drivesdk

Supreme Court Says Plea To Ban Pellet Use Against Civilian Assemblies Is Vague Without Challenging Regulations

Supreme Court Says Plea To Ban Pellet Use Against Civilian Assemblies Is Vague Without Challenging Regulations

Click below:-

https://www.livelaw.in/top-stories/supreme-court-yashovardhan-azad-chalo-sansad-student-protests-victims-plea-against-use-of-pellet-guns-543538

ESTIMATION OF VALUATION SURPLUS AS AT 31/3/2026

ESTIMATION OF VALUATION SURPLUS AS AT 31/3/2026

LIC has stopped publishing the figures of valuation surplus in the Annual Reports for the last few years and my requests for the information under RTI Act 2005 has also been denied by the CPIO.

So, I thought of estimating the valuation surplus as at 31/3/2026 bu using the figures in the public domain adopting the following methodology:

 Valuation Surplus is the sum of Par Surplus (PS) and Non-par Surplus (NPS) under the policies in the Corporation. Presently 90% of the Par Surplus is distributed to policyholders by way of bonus under wih profit policies.10% of par surplus is paid to the shareholders.100% of non-par surplus is paid to the shareholders.

The Central Government received a dividend cheque for Rs 12207.75 Cr from LIC.

LIC owns 96.5% of the share s presently and the Public own 3.5% of the equity shares in LIC

The Policyholders received Bonus to the extent of Rs 59726 cr being the 90% of the Par-Surplus.

LIC got an amount of 96.5% of the amount from Par-Surplus, viz, Rs 6403.954.

Let NPS be the total non-par valuation Surplus. Then LIC got 0.965* NPS.

Let NPS be the total non-par valuation Surplus of LIC as at 31/3/2026.

This gives the equation

(6403.954)+(0.965 * NPS)= 12207.25.

ie

0.965*NPS=(12207.25 - 6403.954)

So

NPS=(12207.25 - 6403.954)/0.965

=(5803.296)/.965

=6013.778

Solving this equation, we get NPS= 6013.778

 PS= (59726×10/9)=66362.22

Total Valuation Surplus =PS+NPS= 66362.22+6013.778= Rs 72376 Cr.

Actuaries may validate my estimation of possible or enlighten me if I have gone wrong.

C H MAHADEVAN

Prof. Veezhinathan Kamakoti..

In the summer of 1980, a distraught 7th grade boy stood in the courtyard of a modest house in Mylapore, watching his father toss his cricket bat down a deep well. A fast bouncer had shattered the boy's spectacles during a local match & his father, a renowned Sanskrit logician, was terrified for his son's sight.

"Your cricket days are done," his father declared, handing him a violin. "If you want to master precision, master this."

The boy did not throw a tantrum. He directed his focus toward the strings, training until he was performing alongside musical legends, even taking direct corrections from Bharat Ratna M.S. Subbulakshmi.

5 yrs later, he suffered another blow: he failed to clear the IIT-JEE examination.

He did not give up. He enrolled in a regional engineering college, quietly mastering computer science logic gates. He eventually worked his way into IIT Madras as a postgrad researcher, earned a PhD, joined as a prof & eventually became the Director of the very institute that had once turned him away.

By 2011, while the world was building consumer mobile apps, this prof was looking at a hidden national vulnerability: every radar, fighter jet, banking server & defense system in India was running on foreign-designed microprocessors.

He had a single question in his mind: "We can test that a foreign chip does what we WANT it to do. But can we guarantee it does not do something we DO NOT want it to do when a war starts?"

He proposed building a completely indigenous, industrial-grade microprocessor from scratch. Global tech giants insisted it could not be done w/o billions of dollars in infrastructure & massive foreign patents.

He did not care. Working out of cramped labs on long shifts, he & his team adopted the open source RISC-V instruction set. They hand-coded logic gates, mapped silicon layouts & verified billions of instruction cycles.

In July 2018, a tiny 16mm² piece of silicon codenamed Risecreek arrived back at the lab. The team wired it up, flipped the switch & watched a flickering monitor as the Linux operating system booted on 100% Indian-designed silicon for the 1st time in history.

Today, his SHAKTI processor architecture powers everything from defense communications to space grade controllers built in collaboration with ISRO.

That young boy whose father threw his cricket bat down a well...

The student who missed the JEE list in 1985...

The violinist who turned down the official IIT Director's mansion to stay in his family home & protect his late father's Sanskrit library...

His name is Prof. Veezhinathan Kamakoti..

Forwarded

C T JOSHI 

The Life Insurance Corporation of India paid a dividend of ₹12,207.25 crore to the govt for the financial year 2025–26

The Life Insurance Corporation of India paid a dividend of ₹12,207.25 crore to the govt for the financial year 2025–26. For the previous financial year, LIC paid a total dividend of ₹7,324.34 crore to the Govt. LIC has also declared that it had ₹59.03 lakh crore in assets as on 31 March 2026. No other listed public sector enterprise or bank has paid a dividend as high as LIC’s ₹12,207.25 crore for the financial year 2025–26. The associates of LIC—field force, staff and policyholders—deserve huge applause on this occasion, without whose wholehearted contribution this kind of milestone achievement would not have been possible. Not merely receiving the dividends, the govt should also try to propagate the importance of public sector LIC among the youth and the new generation. If functional autonomy to LIC, without further disinvestment, is given, it will further excel in the competitive market. 

CONGRATULATIONS TO LIC ON ITS PURPOSEFUL EXISTENCE OF 70 YEARS IN THE SERVICE OF THE PEOPLE AND THE NATION.

LIC HANDS OVER DIVIDEND CHEQUE TO GOVERNMENT OF INDIA

Yahoo Mail: Search, organise, conquer

Lok Sabha Passes Public Examinations Amendment Bill 2026; Minimum 5 Year Jail For Exam Malpractices

Lok Sabha Passes Public Examinations Amendment Bill 2026; Minimum 5 Year Jail For Exam Malpractices


https://www.livelaw.in/top-stories/lok-sabha-passes-public-examinations-amendment-bill-2026-minimum-5-year-jail-for-exam-malpractices-543404

Rajya Sabha Passes Bill Criminalising Insult To Vande Mataram, Giving It Same Legal Protection As National Anthem

Rajya Sabha Passes Bill Criminalising Insult To Vande Mataram, Giving It Same Legal Protection As National Anthem

https://www.livelaw.in/top-stories/rajya-sabha-passes-bill-criminalising-insult-to-vande-mataram-giving-it-same-legal-protection-as-national-anthem-543415

8th Central Pay Commission: Family unit increase for fitment factor & report timeline 8वें वेतन आयोग पर राज्यसभा में सरकार का आधिकारिक जवाब | StaffNews

8th Central Pay Commission: Family unit increase for fitment factor & report timeline 8वें वेतन आयोग पर राज्यसभा में सरकार का आधिकारिक जवाब | StaffNews: 

8th Central Pay Commission: Government Replies on family unit increase for fitment factor & report timeline 8वें वेतन आयोग पर राज्यसभा में सरकार का

NEET protest update_29

Wed, 29 Jul 2026 at 10:45 am

Subject: NEET protest update_29

Supreme Court declines urgent hearing on plea against police action on student protesters.

India.com World News Update NEET protest update: Security forces followed all SOPs; use of pellet guns was authorised, reveals CRPF report Read Full Story →   You're receiving this email because you subscribed to India.com updates. © 2026 India.com. All rights reserved. Unsubscribe from this mailing list

LOW RENEWAL RATES OF LIFE INSURANCE POLICIES

 

MINISTRY OF FINANCE

DEPARTMENT OF FINANCIAL SERVICES RAJYA SABHA UNSTARRED QUESTION No. 1040

ANSWERED ON TUESDAY, 28 JULY, 2026/ 6 SHRAVANA, 1948 (SAKA)

1040 SHRI RAJINDER GUPTA:

Will the Minister of Finance be pleased to state:

• (a)
  whether Government has taken note that, as per IRDAl data, the life insurance industry's average 13th-month persistency ratio stood at around 63 percent in 2025 and that persistency declines further at later checkpoints, with 61st-month (5-year) persistency for many insurers falling in the 45-55 per cent range;
• (b)
  whether Government has reviewed the factors contributing to these persistency trends; and
• (c)
  whether any measures, such as standardised post-sale reminder and reinstatement communication and enhanced grace periods for policyholders facing economic disruption, are under consideration to improve persistency rates?

ANSWER

CONTRATUAL ENGAGEMENT OF RETIRED PERSONNEL OF LICI/GIPSA COMPANIES AS SECRETARY (ADMIN)

 

  

 
Good morning 
Pl circulate

Yahoo Mail: Search, organise, conquer

SUPREME COURT ORDER DATED 28.07.2026 ON VOILENCE DURING STUDENTS MARCH ON 20.07.2026

SUPREME COURT ORDER DATED 28.07.2026 ON VOILENCE DURING  STUDENTS MARCH ON 20.07.2026

Click below:-

https://drive.google.com/file/d/16jbI6jCjgrU1m9qqiaLKBv4nr8o3rnTa/view?usp=drivesdk

BREAKING| Supreme Court To Order SIT Probe Into Student Protest Violence, Directs Release Of Detained Students With No Criminal Background

BREAKING| Supreme Court To Order SIT Probe Into Student Protest Violence, Directs Release Of Detained Students With No Criminal Background

Click below:-

https://www.livelaw.in/top-stories/supreme-court-to-order-sit-probe-into-student-protest-violence-directs-release-of-detained-students-with-no-criminal-background-543164

Bank pensioners update

Bank pensioners update -बैंक पेंशनभोगियों के लिए अच्छी खबर

Bank pensioners update -बैंक पेंशनभोगियों के लिए अच्छी खबर

BANK PENSION UPDATION - IBA BULLETIN NOVEMBER 1993!

BANK PENSION UPDATION - IBA BULLETIN NOVEMBER 1993!!

BANK PENSION UPDATION - IBA BULLETIN NOVEMBER 1993!!