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Ref No:28:2016 March 26, 2016

To: All our Affiliates and Members

Dear Friends,

Our 2nd Triennial Conference at Ernakulam – A spectacularsuccess & yet another Milestone in our onward march

The grand and highly successful 2nd

Triennial Conference of All India CanaraBank Retirees’ Federation (Regd.) washeld at Ernakulam on 24th & 25th

February, 2016. The venue of theConference, named after our legendaryleader Com.R.J.Sridharan, was packedwith large chunk of Retirees of CanaraBank drawn from different parts of the country. It seemed as an amalgamation ofPan India. It was a momentous occasion when colleagues of the yester yearsagain congregated and met each other. More than 800 retirees attended theConference.

Nostalgia and camaraderie pervaded the whole arena. Though advanced in years,the love and affection, concern and comradeship were all the more evident amongthe participants. Every one silently complemented the Organisation for enablingthem a platform to meet, renew the friendship and to take stock of theOrganisational activities for charting out a promising future in the days to come.

On 24th February 2016, the opening day ofthe Conference, at 9.45 am, braving thewarm sun, the Delegates and Observersassembled before the Venue of theConference for flag hoisting. The Flag ofAIBRF was unfurled in all its majesty by ourPresident Sri V.K.M.Varma. The spontaneoussloganeering by the participants electrifiedthe environment. It revealed that age cannotmellow down the spirit and enthusiasm.

At the Com RJS Hall, the backdrop of the dais was tastefully decorated withplentiful flowers. The background brought out the scenic beauty of rural Keraladepicting blue backwater, a beautiful boat cruising on silent waters with rich rice

(Affiliated to All India Bank Retirees’ Federation)“A.K.Nayak Bhavan”, 2nd Floor, 14, Second Line Beach, Chennai - 600001.

Ph (O) LL: 044 - 25220611, Mobile: +91 94442 32867E-Mail: aicbrf2010@gmail.com, Website: www.aicbrf.in

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fields on the banks laden with coconut trees. It provided the right atmosphereassuring that the boat of AICBRF would sail taking all the Retirees along thedestined path with hard put efforts.

Leaders of the Retirees’ Movement, Shriyuth S.C.Jain, General Secretary - AIBRF,T.M. Mathews, Former President - AIBRF, D.D.Rustagi, Joint Secretary - AIBEA,M.D.Gopinath and M.A.Srinivasan President and General Secretary of CanaraBank Officers’ Union, C.D.Josson, Chairman, Reception Committee and theGeneral Secretary of AKBEF, S.Ramakrishnan, Secretary, State Committee (CBEU)- Kerala, K.Sreenivasan, General Secretary, All Kerala Bank Retirees’ Federationwere invited to the dais. Our leaders, Sarvasri A.K.Bansal, Chairman, V.K.M Varma,President, S.V.Srinivasan, General Secretary, K.R.Manohar, Joint General SecretaryA.B.Kasturirangan, Treasurer and other leaders welcomed the leaders to the dais.As is our tradition, the Leaders lighted the lamp symbolically invoking that theradiance of the light shall guide us throughout proceedings of the Conference.

Sri A.K. Bansal, our Chairman in his addresswelcomed all the Leaders, Delegates andObservers. He rightly emphasized the urgentneed of enlarging our membership base byour concerted efforts in every centre. Mobilityis the need of the hour. We have to tap everysource for getting new generation retirees.He set the self imposed task that when wemeet at the next Conference, our membershipshould be doubled.

The Delegate Session was inaugurated bySri S.C.Jain, the General Secretary of ourNational Organisation All India Bank Retirees’Federation. He complimented AICBRF as afast growing affiliate of AIBRF. He expressedhis happiness that a very large contingentof men and women of AICBRF had convergedat Ernakulam which exhibited theorganisational strength and zeal. He recollectedthat recently held Thrissur Conference ofAIBRF, adopted “We shall struggle, We shallachieve”. To achieve this, we need a strong organisational framework. Our brandvalue and visibility had increased. In 84 cities, we have got strong base. In thecoming three years, large number of employees in banks will be retiring and wehave to enroll them. He called for unity. While space for issue based difference isunderstandable, difference on account of personality should be curbed. We haveto embark on the task of harnessing the services of recent and younger retireesfor building the Organisation further. He cautioned against dual membership andmultiplicity of organisations.

Sri T.M. Mathews, the former President of AIBRF greeted the House. Recalling hisassociation with leading lights of the bank employees and officers movement,90+ leader spiritedly gave a call for robust enthusiasm among the Retirees bothin personal and organisational life.

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The President of Canara Bank Officers’ Union, Sri M.D.Gopinath addressed theSession. He informed that he drew inspiration from older people. The Retireesare abound with energy, spirit and power. The Banking industry is facing toughdays with more and more banks reporting red in their working results. The Govt.while utilising the PSBs in their political agenda, took subtle steps in privatisingthem. The joint movement by the serving employees and retirees along with themasses would meet the emerging challenges from the Govt. and save the PSBs.

At noon, the General Secretary presented his report to the Conference. TheHouse stood in silence for two minutes as a mark of respect and paid homage tothe departed souls who had contributed to the best of their ability to the cause offellow beings. The General Secretary explained the salient points of his Reportand read out important portions. It was followed by the deliberation of theDelegates.

In the post lunchSession, Dr.V.K.Singh,Joint General Secretary,Canara Bank Employees’Union, greeted. Hehighlighted that jointfight by both Retireesand serving employees

would bring about the desired result. In the evening, as a prelude to the PublicSession, a grand procession was organised starting from SBT, Broadway, ErnakulamBranch. It showcased the might of the Retirees of our Bank and portrayed to thepublic on the genuine demands of the Bank Retirees.

The Public Session commenced with the welcome address of Sri C.D.Josson, theChairman of the Reception Committee for the Conference. Our PresidentSri V.K.M.Varma, in his address, drew the attention of the anti-labour attitude ofthe ruling dispensation and the unwillingness on the part of the Bank Manage-ments in implementing various court judgements.

Justice Sri C.N.Ramachandran Nair, FormerJudge, High Court of Kerala and formerChairman of Pay Commission, Keralainaugurated the Public Session. He observedthat uneven pension was existing for bankemployees which was not appropriate.Public Sector Banking is also akin to Govt.departments as they carry out the schemesof the Govt. and hence the Govt mustsupplement the Pension Fund. Pension hasincreased in Govt. departments while it is

not done commensurately in banks. Banks must initiate steps for updation ofpension and it must extend liberal medical insurance scheme. He appealed to theRetirees that they must come forward to do something worthwhile by using theirprofessional acumen for the general public also.

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Sri S.C.Jain, General Secretary AIBRF in his key note address, complimented ourFederation for its rich contribution to the Retirees’ movement and its dynamicleadership. The present banking scenario is appalling as it is caused by thedowngrading of internal mechanism and the interference of non-professional forces.With our 100% DA neutralization issue being not settled and pension in comparisonto Govt. sector going down, we cannot remain silent. He asserted that we neednot blame anybody for not achieving our demands, yet we seek the co-operationof the constituents of UFBU. Struggle is the message and we should be preparedfor it in reaching fresh grounds.

Com.S.Nagarajan, General Secretary ofAIBOA, in his powerful oratory, assuredin the beginning that AIBOA would be withthe Retirees always. He questioned theGovt, while Banks are facing real losses inthe face of the clean up operations aspropagated by RBI, what was the game ofthe Govt? Thanks to the vision andvigilance of the Unions/Associations, thePension funds are sufficiently cushionedand today, pension is paid from out of theincome earned by the pension fund. This

trend should be further strengthened. He exhorted the Retirees movement tocome with clear response as regards their demands and evolve definite proposals.He assured that the serving employees organizations would not be found wantingin united struggles.

The General Secretary of Canara Bank Officers’ Union, Sri M.A.Srinivasan in hisbrief address wished the Retirees all the best and assured the help of CBOU in allthe efforts of AICBRF.

Sri D.D.Rustagi, Joint Secretary of AIBEA, informed that AIBEA would be alwayswith the issues and struggles of the Bank Retirees. He supported the demand ofappointing Trustee for the Pension Fund from the retired employees. He spokethat the Pension Fund in our Bank was sufficiently provided. He smelt bad in themammoth write-off resorted to by banks in the last three years amounting to1.14 lakh crores. He wished that AICBRF should emerge as overwhelminglymajority Retiree Organisation in Canara Bank.

Sri K.Sreenivasan, the General Secretary of All Kerala Bank Retirees’ Federationgreeted the Conference. He drew the attention that Updation of Pension was partof the Scheme envisaged in the Pension Settlement and it must be implemented.He conveyed the greetings of the host State. With vote of thanks, the PublicSession was concluded.

In the final day of the Conference, SriyuthS.Ramakrishnan, Secretary, State Committee,CBEU and C.D.Josson, the General Secretary, AllKerala Bank Employees’ Federation and D.Vinodh,Deputy General Secretary, CBOU, complimentedAICBRF for its sustained growth and greeted theConference. Smt.Soumini Jain, Worshipful Mayor

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of Kochi, while greeting the Delegates observedthat accumulated problems brought the bankretirees to Kochi for finding early solution andwished the Conference all success.

As many as 33 Delegates from all the Statestook part in the deliberations over the Report ofthe General Secretary and offered usefulsuggestions. They spoke on various matters like,extension of RBI family pension and DANeutralisation to banks, membership enrolment,disbursement of pension on the last day of themonth itself, no additional interest on VSL / ODagainst FDR as available in SBI, reimbursementfor domiciliary treatment expenses, socialinvolvement of retirees, DA revision quarterly,pension at par with Govt. sector, Channelisingthe skills of retirees through organisationalmeans, struggle programmes and membershipmobilisation, relationship with UFBU, check-offfacility to our Federation, membership mobilisationat District and local level, deep disappointmentover the outcome of the 10th Bipartite Settlement /Joint Note, common nomenclature for StateBodies, effective communication with the Retirees,strengthening the funds position of AICBRF andState Affiliates, LFC for pilgrimage etc. In betweendeliberations by the Delegates, at the instance ofour Federation, Sri C.N.Prasad, Vice PresidentAIBRF briefly explained about the nuances of theMediassist Claim Process and also clarifiedqueries raised by the delegates. Finally afterproviding time space to all the Delegates andObservers to express themselves, the GeneralSecretary proceeded to reply to the deliberations bythe Delegates and Observers.

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GENERAL SECRETARY’S REPLY TO DELIBERATIONS:

General Secretary stated that even though monetary demands of bank retireeswere not settled by the IBA, yet, uniform hospitalization Scheme to retirees inthe 10th PBS & Joint Note dated 25.05.2015 is a boon, notwithstanding somedeficiencies such as non-coverage of domiciliary treatment, corporate buffer etc.in its implementation. He informed that pensioners’ strength in our bank crossed31000 and passionately exhorted that in the next 3 years, when huge number ofemployees are to retire, we need to undertake membership campaign andconcerted efforts throughout the country to enlist more and more members toour fold.

He also assured the House for pursuing the issue of Pension Credit on the lastworking day of every month. He also drew the attention of the Delegates that inthe past, many banks did not make additional annual contribution to the PensionFund in terms of Actuarial Investigation mentioned in Para 11 of PensionRegulations and we need to be more alert on this score.

SLPs / CAs on 100% Neutralisation of DA to Pre-01.11.2002 retirees have beenpending before Supreme Court of India. Though they were listed for hearingearlier, the same did not reach to the level of being taken up by the apex courtfor hearing and we need to wait patiently.

In the context of our Federation’s requirement, providing more space to retireesin the age group of 60 - 70 with better mobility assumes importance. Also,General Secretary expressed happiness that more number of women retireesfrom many States participated in the 2nd Triennial Conference and we need tothink in terms of providing them forum within the overall frame work.

General Secretary also informed the House that All Kerala Canara Bank Retirees’Association and the Special Voluntary Retirement Scheme Welfare Association inKerala are close to merger very shortly and Tamilnadu affiliates should also takeactive steps in this regard. With more number of retirees joining our fold in theoncoming days resulting in further strengthening of AICBRF, the General Secretaryassured that the Federation will be able to advance retirees’ cause in a better wayand requested the Delegates to adopt the report unanimously.

Responding to the emotional appeal, the Delegate Session unanimously adoptedthe Report of the General Secretary amidst thunderous acclaim.

Audited Statement of Accounts of theFederation as on 31st December for theYears 2013, 2014 and 2015 werepresented by our Treasurer SriA.B.Kasturirangan and the same wereunanimously approved by the Delegates.The request of the General Secretary toappoint the existing Auditor SriT.K.Lakshmipathy, Chennai for theensuing term also was accepted by the

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Delegates. The following amendments to Rules and Bye-laws of our Federationproposed Vide Notice dated 01.02.2016 were unanimously approved by the House:

Individual Amendments, notice for which was given by Sri M.Perumal (PerumalMaruthu), Chennai & Sri K.R.Parasuraman, Thrissur were not pressed as theGeneral Secretary assured them that the spirit of the amendments would betaken care in future.

The following Resolutions recommended by the Central Committee were movedby the General Secretary and seconded by the Chairman of our Federation:

01. 2% Additional Interest to Senior Citizens;02. 50% Concession in Train fares;03. 20% Concession on MRP of all Medicines;04. Pension to be net of Income Tax;05. Updation of Pension;06. 100% Neutralisation of Dearness Relief to Pre 01.11.2002 Pensioners;07. Family Pension;08. Payment of Pension Arrears to those retired from 01.04.1998 to 30.04.2005;09. Earmarking funds for retirees’ welfare;10. Protection of Pension Fund Corpus;11. Representatives of Retirees in various Trusts/Committees12. Undertaking Social Service Programmes;13. Banking Industry;

RULES & BYE-LAWS EXISTING PROPOSED

Insert as Para 9 Clause(e): Any member of theCentral Committee, whofails to attend threeconsecutive meetings ofthe Committee withoutits leave of absence,shall be deemed to haveva­cated his office.

_ _ _

Each affiliated Unit shallhave the right to electone delegate for eachblock of 20 members ormajor part thereof witha minimum of twoDelegates, the maximumdelegates for theGeneral Body from anaffiliated unit shall be 30.

Each affiliated Unit shallhave the right to electone delegate for eachblock of 20 members ormajor part thereof witha minimum of FiveDelegates, the maximumdelegates for theGeneral Body from anaffiliated unit shall be 40.

General Body Meeting10 (g)

Management of theFederation 9:

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14. Strengthening Public Distribution System;15. Social Security for all working people;16. Anti-Labour Policies of Central Government and17. Easing norms on Foreign Direct Investment.

and the same were unanimously passed by the Delegates.

With a view to focus our attention and to provide fillip to the future course of ourmovement, the General Secretary moved a Declaration supported by ourPresident Sri V.K.M.Varma, containing essence of the Organisational thrust andspirit for the coming days. He read out the same passionately and it wasenthusiastically adopted by the Session. Contents of the Declaration should bebrought to the notice of every member of our Affiliates.

Before taking up the final agenda of the Conference Viz. Election of new Team ofOffice Bearers for the ensuing term, the existing Central Committee was dissolved.The Delegate Session unanimously appointed Election Commission comprisingSri A.Sashikanth, Bengaluru and Sri D.Luke Baskaran, Chennai, former Presidentsof Canara Bank Employees’ Union for conducting the election.

Sri S.V.Srinivasan, Delegate from Chennai proposed a Panel consisting names ofOffice Bearers (26) and Central Committee members (29) and the same was dulyseconded by Sri A.K.Bansal another Delegate from Delhi. In the absence of anyother panel, the Election Commission declared that the panel proposed by SriS.V.Srinivasan as mentioned here below has been unanimously elected as OfficeBearers and Central Committee Members for the ensuing term:

OFFICE BEARERS AND CENTRAL COMMITTEE MEMBERS

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GENL SECY

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DELHI

KOCHI (KERALA)

CANNANORE (KERALA)

HYDERABAD(TELENGANA)

LUCKNOW (U.P.)

CHENNAI (TAMILNADU)

CHENNAI (TAMILNADU)

CHENNAI (TAMILNADU)

MUMBAI (MAHARASHTRA)

BENGALURU(KARNATAKA)

ERODE (TAMILNADU)

KOLKATA (WEST BENGAL)

KOZHIKODE (KERALA)

CHANDIGARH

TRIVANDRUM (KERALA)

A.K.BANSAL

V.K.M.VARMA

A.N.BALASUBRAMANIAN

Y.V.SUBBA RAO

R.K.DHAWAN

V.SRINIVASAN

S.V.SRINIVASAN

K.R.MANOHAR

B.S.A.RAO

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M.BALASUBRAMANIAN

M.K.SAHA

K.SHANMUGAM

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P.GIRIDHARAN

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M.VENUGOPALAN

SATISH KUMAR MADAN

R.SUDALAIMUTHU

A.YELLA RAO

K.R.PARASURAMAN

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A.B.KASTURIRANGAN

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R.PERUMAL

M.KASIVISWANATHAN

V.MURUGESAN

PARTHA SIRCAR

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C.KAMALAKAR

FRANCIS SOARES

C.K.RAJEEVAN

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V.SUDEESHAN

N.S.K.NAIR

B.SASIDHARAN PILLAI

M.C.KATIYAR

S.K.KHOSLA

SAMIR SOM

PRAVEEN S.PATIL

DILIP PRABHAVALKAR

J.C.PATTANAIK

J.L.PAHWA

S.S.BAKSHI

ATUL ANJARIA

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ALBERT NAIDU

SHIVAJI RAO MANE

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PALGHAT (KERALA)

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VIJAYAWADA (A.P.)

THRISSUR (KERALA)

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Time has come when we need to induct more women retirees in the functioningof our organisation. To start with, it has been decided that a nucleus for Women’sWing should be formed at the national level in due course. For this purpose,following Women Retirees in our bank have been identified and entrusted withthe responsibility of undertaking preparatory work with a view to mobilising morewomen retirees towards formation of Women’s Wing at all India level and theywill be special invitees to our Central Committee Meetings:

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In addition to the above, the 1st Central Committee Meeting held immediatelyafter conclusion of the Conference at Ernakulam on 25.02.2016 decided that thefollowing Central Committee Members of AIBRF would be Special Invitees forattending our Central Committee Meetings:

1. Sri Balbirsingh Nayyar - Delhi.

2. Sri T.Balakrishnan - Chennai (Tamilnadu)

3. Smt.Visalakshi Iyer - Pune, (Maharashtra)

The General Secretary profusely thanked the Delegates and Observers for theirkind cooperation extended in conducting the proceedings of the Conference forthe two days smoothly. He thanked the Host State Body and the ReceptionCommittee for the extremely nice preparation for food, accommodation,transportation and Secretarial services rendered without any hiccups. The Houseacknowledged their tireless efforts and wholeheartedly thanked the ReceptionCommittee General Convenor Sri K.Sreevasudevan, In-charges of various Sub-Committees, Volunteers in various Committees, our President Sri V.K.M.Varma,Sriyuth C.D.Josson, Chairman, Reception Committee and K Sreenivasan, GeneralSecretary, AKBRF. With this the 2nd Triennial Conference came to an end.

Friends,

Your month long efforts in conducting the Conference successfully have reallypaid rich dividends. With the Conference remaining as a milestone, we have tocarry forward its message by translating into real action. That is the core of ourstrength. The Conference had thrust on us a few new ideas and it would beproper on my part to share with you loudly.

Struggle we should and achieve we would. As Retirees we would charter our pathon our own by holding the willing hands of the serving employees and the Unions.Success is always the handmaid of hard work and dedication. We would carve outsuccess that way.

Smt. Visalakshi Iyer - Pune (Maharashtra)Smt. Anoop Mathur - DelhiSmt. Veena Bhat - Mumbai (Maharashtra)Smt. Vasantha - Chennai (Tamil Nadu)Smt. Sornam - Chennai (Tamil Nadu)Smt. Padmini - Bengaluru (Karnataka)Smt. Premavally - Kozhikode (Kerala)Smt. Pratima Haidery - Kolkatta (West Bengal)Smt. Madhu R. Baxi - Ahmedabad (Gujarat)Smt. Maria Dias - GoaSmt. Manasi Dhamankar - Goa

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The Conference has bestowed on us certain important tasks. In the context ofhuge number of employees retiring in the next 3 years, vigorous membershipmobilization becomes an important organizational task. We have to move aroundand enlist all those past retirees without differentiation of cadre and caste ourmembership level should double from the present one by dint of our dedicatedefforts. We must think of devising District /Centre wise Committees as in thecase of Kerala & Tamilnadu to help our Affiliates for enrolling more and moremembers and be close to the Retirees.

The Conference has certainly invited us for bigger challenges. Our 2nd TriennialConference and the last 3 years period we have undergone taught us manylessons making us to enlarge our vision. An Organisation like AICBRF needsmore participation of the majority of the members and the recent retirees withmore mobility, in particular. Also, Women Retirees have to be involved more andmore in our retirees’ movement in the days to come. As Com. RJS used toexhort, “Trade Union has to take care of the member and the family from cradleto grave”. Let us strive to achieve this in full measure.

We are confident that the new team of Office Bearers and Central CommitteeMembers along with the support of the membership across the country would dojustice to the demands of the times we live in.

With the 2nd Triennial Conference receding into history, the spirit and energygenerated by it would be etched in our memory and spur us for greaterinvolvement in the organisational activities for many more years to come.

Photos taken during the Procession and the Conference, soft copy of GeneralSecretary’s Report & Resolutions/Declaration passed/adopted in the Conferencehave been uploaded in our Website: www.aicbrf.in for the benefit of those whocould not attend our Conference.

With Warm Greetings to one and all,

RETIREES OF ALL BANKS UNITE UNITE

BANK RETIREES’ UNITY LONG LIVE LONG LIVE

ALL INDIA BANK RETIREES’ FEDERATION LONG LIVE LONG LIVE

ALL INDIA CANARA BANK RETIREES’ FEDERATION LONG LIVE LONG LIVE

(S.V. SRINIVASAN)GENERAL SECRETARY