[yt_dropcap type=”square” font=”” size=”14″ color=”#000″ background=”#fff” ] P [/yt_dropcap]akistan and India relations have always been termed as the roller coaster ride, with fledgling democracy, imperious military dominion and uncanny mistrust decelerating its velocity. During the season of peace, the governments of both countries confabulates the campy slogans and glib promises of never-ending friendship between both nations, which turns into irksome babbling in times of political tension.
The masses of both sides have also started to question the tendency of recidivism of ties after a peaceful tenure. Uri-attack is the latest in the series of the events that have resulted in political impasse between both the nuclear armed states. The attack, which was made on rear administrative base of Indian army at Uri, Kashmir by group of heavily armed terrorist, jeopardized the subtle relations between the two arch-rivals, where one alleged the other for the deadly attack, and the other ranted about its own innocence on different international platforms. This has led to series of minatory finger-wagging in cross-talks between both countries’ army chiefs and lethal cross-fire on Line of Control (LOC) between both the armies. These clashes not only infuriated the masses against each other, but also desiccated the relations between the two countries on level of: diplomacy, trade and culture exchanges. Even though after five months of Uri-attack, the relations between both the countries have remained brim, however, it has been observed that Pakistan Prime Minister Nawaz Sharif’s government has taken some diplomatic measures to reach out India.
Nawaz government’s change of gears towards India has been comprehensibly reflected in some of the steps it has taken in past four or five months. Just three months after the attack, Nawaz government released 220 Indian fishermen on the occasion of Christmas as a “Goodwill Gesture”. Moreover, government also released an Indian soldier in January 2017 who claimed to inadvertently strayed across LOC on the day Indian claimed surgical strike was held. Previously, the Indian soldier was being alleged as a spy who was imprisoned and was being investigated and elicited. His unexpected release by Pakistani authorities has been taken as a first signal of thaw in India-Pakistan ties.
In the same month of January, Nawaz approved the resumption of screening of Indian movies in Pakistani cinemas. Following Uri-attack, Pakistani cinema owners boycotted Indian movies by implementing self-imposed ban to not show Indian movies in their cinemas. The idea was to register their vastitude of hatred towards India and its culture. Their decision was later backed by Nawaz government as well. Indian Bollywood movies and dramas have always acted as a channel to promote Indian culture, tradition and language to Pakistan. While every deadlock with India has witnessed the ban on Indian movies and dramas in Pakistan, the resumption of their screening in Pakistani cinemas and on televisions have always been used as a symbol to escalate tensions between both the neighbors.
With CPEC (China Pakistan Economic Corridor) widening its extent by garnering more supporters from around the region, a lot has been said and written about India’s objections over the project and building of Chahbahar port with Iran and Afghanistan as rival of Gwadar port, the baseline of CPEC. In the past, the impact of these two projects on regional and extra-regional actors has always been used as a source of power struggle in the region, but the recent flexibility of attitude shown by both sides have been commendable. On one hand, Iran and India have indicated that they will not use their project to counter the CPEC, on the other hand, Minister of Planning and Development of Pakistan Ahsan Iqbal have invited India to join the CPEC, something which have been called as an unexpected move by the current Pakistani government. The Minister also seeks to pursue peace-talks with India which have been adjourned after the Uri-attack. At least one of them should realize the importance of getting out of the vicious circle of eternal issues by condoning them for a while and collaborating with the other. If the intention for building these two projects will be to reap economic benefits rather than to indulge in inept power competition, then these projects will bring prosperity to the region in the “Asian Century”.
The recent of all these steps taken by Nawaz government is the detainment of Hafiz Saeed at the end of month of January. Following his detainment, he was also listed under anti-terrorist attack and in Exit Control List. Furthermore, recently government has also canceled license of 44 weapons issued to Saeed and his aid. Although many experts contend that these bold measures are taken by Nawaz government in part by President Donald Trump’s arrival on the world stage as well as pressure from China, however, the factor to use Saeed’s detention to please India cannot be ignored. Saeed, mastermind of Mumbai attacks, is virulently anti-India and have always stood against Indian government’s occupation of the disputed territory of Kashmir. So, his detention will make India to persuade Pakistan on one lesser factor in order to make peace-talks effectual. While the majority of analysts state that the action has been done to placate Trump, but taking it as killing two birds with one stone, Pakistan has also used this opportunity to ameliorate India government as well. US, India and China have repeatedly asked the detainment of Jamaatud Dawa leader as his unrestricted campaigns have been a continuous threat to stability and peace of these countries.
Moreover, in the first week of February it has been signaled that Abdul Basit, the Pakistani envoy to India, will be replaced soon as part of a wide-ranging reshuffle to be carried out by Pakistan’s new foreign secretary Tehmina Janjua. Basit, who was posted to India in March 2015, is believed to have shaggy tenure as High commissioner to India, because of prickly relations between the both countries following Uri-attack. There was also news of Basit being the strongest contender for the post of foreign secretary before Tehmina Janjua’s appointment, however, he was not been chosen by Nawaz because of his recent cold relations with India being Pakistani envoy. Therefore, the wider reshuffle in Foreign Office of Pakistan and Basit’s end of tenure as High Commissioner to India next month has been considered as an explicit indication by Nawaz government to reset India-Pakistan ties.
The question arises that what engendered Nawaz government to take all these measures now?
Many analysts relate Nawaz current policies towards India with the retirement Pakistan’s 15th Army Chief’s Raheel Shareef, on 29th November 2016, as he was perceived to be hostile against India. This factor cannot be ignored but Raheel’s retirement will have minute implications over the policies of Nawaz government as the new army chief Qamar Jawed Bajwa is considered to be as hostile against India as Raheel was. Bajwa is believed to be well-versed with the complexities, nature of operations and terrain along the LOC. Although the news of his acclamation of Indian mature democracy while addressing a gathering of senior army officers at the General Headquarters in December 2016 got Indian and Pakistani media into tizzy, but his recent anti-India stance and open admonishment to Indian army has restored his status as a quintessential Pakistan’s army chief. Therefore, to argue that Nawaz government will face lesser resistance from new army chief will not be a fair argument to make.
The discreet behavior shown by Nawaz government towards India by the above mentioned factors can act as foundational step towards the new phase of healthy and friendly ties between both the countries, however, a lot need to be done to take relations forward from here. Pakistan and India should recommence the stalled peace-talks after six months impasse. Both countries’ Foreign Offices should realize the dire need of multi-faceted dialogues which could build long-term cooperation in energy, strategic stability and nonproliferation, counterterrorism, economics and education. Specifically they should resume their trade relations which have been on low following Uri-attack. Recently it has been in news that Indian Punjab have asked their government to negotiate with Islamabad to boost exports to Pakistan through the land route, keeping aside the ongoing diplomatic stand-off following the Uri attack and the surgical strike. This can be used as an opportunity to reinstate the trade relations between the two countries which are vital for the economic uplifts of both the states. However, despite a more peaceful LOC and stable situation in Kashmir, Indian Foreign Office has categorically rebuffed any possibility of peace-talks with Pakistan. Therefore, Indian government also needs to show flexibility in mending the old scars as one hand cannot clap alone. There is a dire need to rebuild the transactional relationship between the two countries which later need to be transformed into strategic one with deeply rooted trust and interest. The measures taken by Nawaz government in this aspect are appreciable however there is a need to put further efforts to persuade India for another episode of dialogue with firm belief to not let it file under the saga of ineffectual outcome this time.
Kashmir Bleeds, International Community Sleeps
The most beautiful part of the World “Kashmir” bleeds while the International community sleeps. Snow-covered mountains, lush green pasters, blue skies, blue lakes, excellent climate, rich culture, best food, unique race – one of the most pretty races on this earth, makes Kashmir “Paradise, but India has turned it a living hell. Nine hundred thousand troops enforcing curfew since the 5th of August 2019 has turned Kashmir a prison, where 8 million people are under siege, for the most prolonged period of curfew in the known history of humankind. No food, no medicines, no fuel, no electricity, no basic neccessaties of life, yet, the brave people of Kashmir survived and kept their struggle for their legitimate right of self-determination.
Seventy-three years ago, Indian illegitimate occupation armed forces entered Jammu & Kashmir in a stab to subjugate the Kashmiri people. To this day, the brave people of Occupied Jammu & Kashmir (I.I.O.J.K.) have remained committed in their resolve to confront India and stand firm in their quest for the right to self-determination.
On the 5th of August 2019, India took further illegal and unilateral actions to change the internationally recognized disputed status of I.I.O.J.K. and alter the demographic configuration of the occupied territory. Pakistan and the Kashmiris have unconditionally rejected this blatant travesty of law and justice. For over one year, the scale and impunity of the Indian Government’s human rights abuses have increased manifold. Through the deployment of additional troops and exceptional media and communication blackout, occupied Jammu & Kashmir has been turned into the largest open prison in the world. The world community is calling India out on its oppression, and its cover-up as one of the world’s so-called largest ‘democracies’ has been undeniably exposed.
Pakistan, along with all other nations and individuals, with human conscious, calls for the urgent lifting of the military siege and media blackout, immediate stop to the violations of human rights of Kashmiri people, release of Kashmiri leaders and youth, and an end to impunity allowed to Indian occupation forces under draconian laws.We urge the international community to play its role in exerting pressure on India to reverse its illegal course in I.I.O.J.K. and restore the Kashmiris’ fundamental human rights.
We express complete solidarity with the people of I.I.O.J.K. and assure our Kashmiri brothers and sisters that the Government and people of Pakistan remain shoulder-to-shoulder with them. Pakistan will not concede in its support until the Kashmiris realize their legitimate right to self-determination in harmony with the United Nations Security Council resolutions.
India has turned Kashmir into a volcano, which may burst any time, any moment, and may cause disaster not only to India and Pakistan but may engulf the entire region or the whole world. It is worth mentioning that India and Pakistan both are nuclear states and possess enough piles of lethal weapons to eradicate each other. Mostly, the Government in India has been hijacked by Hindu extremists, and one can expect any abnormal action from them. Or by mistake or accidentally eruption of war, might lead to nuclear war, or World War III.
India is already involved with China, and a war-like situation exists. India is holding parts of Nepal illegally and at odd with Bangladesh, Sri Lanka, Myanmar, Maldives, Sikkim, Bhutan, etc. The extremist Government in India may initiate any misadventure and endanger humanity.
The U.S. is backing India and supporting it to counter China. But, history tells, that when Americans are your friends , you do not need enemies. Former Securty Advisor in Trump Administration, Mr. John Bolten, who has worked with President Trump closely, understands him much better than anyone else. He is of the opinion that President Trump supports India, but if a war broke out between China and India, President Trump might no longer support India. Is India able to confront China???. Let the Indian think tanks and intellectuals decide it.
However, the region is highly populated, with 1.4 billion population of China, 1.2 billion population of India, 220 million population of Pakistan, and almost similar to Bangladesh, etc. The loss of humanity may cross all previous records.
The international community may awaken and take preventing measures to avert any possible disaster.
October 27th: The Tyranny Continues in Kashmir
October 27 marks the beginning of Indian Occupation of the disputed territory of Jammu and Kashmir. It is forever scarred in the collective minds of the Kashmiri people as the day they became occupied.
The Kashmir conflict began in 1846 with the illegal, immoral and inhumane sale of the historic state of Jammu and Kashmir to a non-Kashmiri Dogra family for services rendered to the British Raj. From that point, onwards, Kashmiri’s have long for self-determination. Yet, tragically, their legitimate aspirations were crushed with the grotesque, irregular and illegal ascension, by the brutal foreign ruler Maharaja Hari Singh who did not have the consent of the people. With the arrival of Indian soldiers – the historic Black Day of Occupation begins its most recent and insidious manifestation.
The Princely State of Jammu & Kashmir obtained independence on August 15, 1947, when British paramountcy lapsed. At that moment, under international law as understood by Indian National Congress, The Muslim League and Great Britain, sovereignty in Kashmir devolved on its peoples, not its autocratic Maharaja. Indeed, Kashmir was beset by wholesale domestic revolt against the Maharaja when independence arrived, and widened in the initial months thereafter. To save his despotism from collapse, the Maharaja requested the assistance of the Indian military on October 27, 1947, after ostensibly signing an Instrument of Accession to that nation. British Scholar, Alistair Lamb has convincingly demonstrated that the Instrument of Accession was as bogus as the Protocols of the Elders of Zion or the Donation of Constantine. An original has never been found, and there is no plausible explanation for a disappearance if an original had ever existed.
The people of Kashmir are constantly reminded of the resolution # 47, adopted on April 21, 1948 that states that the future status of Kashmir must be ascertained in accordance with the wishes and aspirations of the people of the territory. This resolution was agreed upon by both India & Pakistan, negotiated by the United Nations and accepted by the Security Council.
Ambassador Warren Austin of the United States said it the best in the Security Council on January 24, 1948, “…When India accepted the accession of Kashmir, it made its act stand for a great principle by stating as a part of the acceptance, that it was conditional on fair plebiscite being held to determine the will of the people of Kashmir with respect to accession. I think an example was made in history at that point.”
India, however, was soon undeceived of its delusions over Kashmir’s political yearning. Recognizing that its people would never freely vote accession to India, it contrived excuse after excuse to frustrate a plebiscite. When the United Nations proposed arbitration, a reference to the World Court, or any other method of resolving minor demilitarization quarrels, India nixed them all. After a few years, it dropped all pretense of acceding to a referendum by unilaterally proclaiming its annexation of Kashmir. India’s proclamation has never been accepted by the United Nations, which continues to list Kashmir as a disputed territory who future status is yet to be determined by its people.
History proved the British Prime Minister Clement Richard Atlee wrong when he said on November 7, 1947, “…he (Pandit Nehru) undertook that the will of the people should be ascertained, and he proposed that this should be done under the authority and supervision of the United Nations…I can’t believe that Mr. Nehru’s pledges have the sinister implications.”
India’s creepy design was also confirmed by Bertrand Russell who said in 1964 “ The high idealism of the Indian government in international matters breaks down completely when confronted with the question of Kashmir.”
So, a false narrative was concocted by India, out of nothing more than thin air, in a vain attempt to intellectually subjugate a people. This challenge is most serious, since it resonates, even today with more vigour. How often do we hear outlandish statements like, ‘Kashmir is an integral part of India’? These statements do not exist in a vacuum. They are loaded and violent. This form of violence is more insidious, more difficult to confront, for it is attempting to indoctrinate Kashmiris about their past, their present and direct them to a future that does not belong to them. They had become the objects of history rather than the masters of it.
Another serious challenge that people of Kashmir face, when attempts are made to confine the Kashmir dispute to a bilateral matter between India and Pakistan as if Kashmiris were inconsequential. This charade of sorts represents an outrageous attempt to restrict discussions of Kashmir, to India and Pakistan to the exclusion of the most important party to the conflict – the people of Kashmir. Today, this strikingly ignorant political strategy has collapsed after the Abrogation of Article 370 & 35 A on August 5, 2019 and no longer is considered an honest initiative for resolving the Kashmir dispute. It has not achieved any of its desired objectives of bettering relations or resolving Kashmiri aspirations for self-determination. It is evident that this policy has proven a colossal failure. If, in more than 73 years, the ‘bilateral masquerade’ has produced nothing more than cheap photo opportunities, then it is better to once and for all, put this show to an end.
The world powers and the saner elements in both India and Pakistan need to realize that the bilateral talks between India and Pakistan have always remained barren. And trilateral dialogue between Governments of India, Pakistan and the leadership of Kashmir — without any precondition from any side — is the only way to resolve the issue of Kashmir once for all. Participation of Kashmiri leadership in the dialogue process is the sine qua non that will help to achieve the lasting peace and tranquility in the region of South Asia.
In fact, a ‘Kashmir Quartet’ should be established that includes Kashmir, Pakistan, China, and India. Moreover, outside intervention and mediation should include the United Nations. The chairmanship of the Kashmir Quartet mediation should be undertaken by a person of international stature, such as Kjell Bondevik former prime minister of Norway or President Mary Robinson of Ireland.
Today, the challenge before us is that a new generation in Kashmir has been raised with blood and tears for which death no longer poses a threat for what can death do that life has not done before: their suffering is freeing them from fear. Kashmiris’ fearlessness has led to the powerful protests and the largest demonstrations in recent years. The presence of hundreds of thousands of people on the streets of Srinagar, marching towards the office of the UNMOGIP, is a proof that the freedom struggle is not a terroristic movement but a movement that is indigenous, spontaneous, peaceful and popular.
Now, is the time that Mr. Antonio Guterres, the Secretary General of the United Nations brings the situation in Kashmir to the attention of the Security Council under the provision of the Article 99 of the United Nations Charter. It is here in the region of South Asia that not two but three nuclear powers have been eyeball to eyeball for the last one-year? The Article 99 authorizes the Secretary General to ‘bring to the attention of the Security Council any matter which in his opinion may threaten the maintenance of international peace and security’. If not now, then when can Article 99 be invoked to bring peace and stability to the region of South Asia.
The UN Secretary General should listen to Mr. Gross, US Ambassador to the UN who said in the Security Council on December 5, 1952, we feel that it is the role of the Security Council to assist the parties in seeking to reach agreement.
So, now is no time for complacency or temporizing. And the chilling suffering and misery of the Kashmiri people continues every day a peaceful resolution is deferred.
Promoting Projects and Practices in Community Health in India
One of the most populated countries in the world, India has been facing problems with regard to well-being of its citizens while sustaining their developmental needs. The need for better health facilities, and developing antidotes for new kinds of pathogens and viruses have made the task more challenging. The respective governments, pharma companies, and testing labs are trying to develop safe trial mechanisms and developing safeguards for protecting the lives of vulnerable sections of society. Within India, the community health programme involves the non-governmental sector, healthcare professionals, economics aspects and social interaction through people and voluntary workers. While the health ecosystem exists, the problem has been finance, support and critical knowledge repository. India did well to address issues such as polio vaccination and creating community awareness for regular medication against tuberculosis. There is a mounting impact of chronic diseases in economic and social sectors, need for quality health services in the wake of changing demographics, and increasing life expectancy have made matters more complex.
In terms of understanding the requirements for building better resilient and health-conscious societies, it is important that the vaccines, lifesaving drugs, and medicines should be developed with certain generalised regulations which can improve the health of the society and address problems faced by people living across regions. While India is a subcontinent comprising of all geographical features, it is also a cauldron of different ethnic communities, and physical features which provides exceptional opportunities for testing and developing medicines which can cater to different physical and pathological profiles of people. Within India, one can find people with different levels of immunity. As the eating and food habits have been different, there is higher incidence of diabetes, hyper tension and cardio diseases in a cross-section of people. It has also been seen that people who are above 40-70 years of age have been more vulnerable to pandemics, and other communicable diseases. A sizeable mortality profile of people suggests that.
In this context it becomes very important that medicines which should be developed should have a better shelf life and give results which can be corroborated with testing facility, with a cross-section of people. The results have usually varied with regard to people with different eating habits and also nutrition factor. Pandemics such as COVID-19 have brought to the fore that India has better resistance mechanisms which has helped in relatively less mortality rate when these people have been infected with COVID-19. The duration of sickness because of COVID -19 has varied from five days to more than three weeks. In such certain times, it has been found that because of lack of any effective medicine or any sure shot diagnostic mechanisms the treatment has prolonged and the recovery has been slow. In terms of legal and other regulatory mechanisms, it has been found that most of the clinical trials which are done in India enroll the vulnerable and poor people and human trials are conducted. There is a grey area of medical compensation and addressing post-tests complications from legal point of view.
For India it has become imperative to develop projects and conduct feasibility studies through government mechanisms rather than through medical companies. While projects have been undertaken to study different kind of diseases that school children and adults will be facing in the next two decades, it has been found that most of the complications will be related to teeth, eyesight, anxiety and mental well-being. However, in the case of pandemics and community health programmes it has been encouraging signs that initiatives such as creating awareness with regard to AIDS, mental well-being, depression and anxiety disorders have been fruitful and rewarding with institutionalising counselling and telephone helplines. Most of the programs have been done and supported by NGOs as well as a few voluntary organisations.
The projects and programmes which can be initiated in India should address core issues. Firstly, the incidence of non-curable diseases, depression, immunity disorders, other issues related to community transmission, and the development of proper safeguards and awareness with regard to pandemics and life-threatening diseases. Secondly, the COVID-19 has opened a Pandora’s box with regard to the incidence of diseases which impact community, and thereby also affect government health budget. Lastly, it is necessary that India will have to create medical soldiers and inform voluntary workers so that the community transmission and community health well-being should be addressed on a priority level.
As the COVID vaccine is in different trial stages, many countries are looking for testing facility in India and also conduct human trials, as legal structure in medicinal trials is still in infancy. India needs to address the issue of IPR on developing vaccines and medical history should be addressed jointly as it has been found that many western countries have been purchasing medical history of the patients living in developing Asia, providing vaccines through great testing mechanisms and subsequently using copyright laws to deny cheap medicines to the larger community.
In this regard it is important that India should conduct research on immunity vectors of its population and develop generic drugs which can help in protecting communities from most transmissions. It is also pertinent to note that in terms of the temperature variance across India it provides unique testing opportunities in different conditions. However, there is a need for a holistic approach and therefore it is important that training and sensitisation of the personnel working in this field is of paramount importance. Initiatives related to preventive and therapeutic services is critical. Also, looking for quick alternatives would save the lives of personnel.
Just like any emergency, there is a need for rapid action medical force which can provide immediate assistance and better cognitive abilities track critical illnesses and the reasons thereof. It has been seen in the case of midwifery and associated postnatal diseases that it has worked wonders with a better equipped and knowledgeable person existing in each society for better assistance and awareness.
The critical importance of voluntary workers is that with sufficient technical assistance (which might come from government and state units) gives them confidence and also strengthens their application of knowledge for better informed public health practices and policies. Technical assistance and quick action through centralised control centre has to create the first line of defence in case of a pandemic.
The institutes which have been working in this field are Public Health Foundation of India, Indian Institutes of Public Health and All India Institute of Hygiene & Public Health, which have been disseminating information through online workshops, seminars, and social media. They have created affiliates and sister agencies working in the field all across India. Networking of public health institutions in medical education need to address issues such as environmental health and countering new kind of diseases which are dominating.
This clearly highlights the fact there is a need for understanding pandemics, developing awareness among communities about public health, and stress on hygienic environment, conducting long term research on emerging diseases and promoting research in tropical medicine.
India need to allocate separate fund for public health initiatives and promote exchange of medical workers with third world countries for better understanding the nuances of medical and health research. In fact, in most of the think tank meetings, public health and awareness is not listed as topics whenever Track II dialogues are held. There is also a need for better practices in public health, education, and developing health demonstration projects, barefoot nurses and doctors, strengthening an eco-system of education, training, and scholarship. Developing traditional medicine and making it easily accessible should be the bulwark against diseases. Restructuring Community Medicine/ Preventive and Social Medicine colleges which impart this kind of education in developing countries is required as the number is relatively less. Across developing world scholarship in community medicine and hospital administration is low and needs structural financial support. The data collection and diagnostics apparatus need micro management to create better response chain. COVID-19 has provided the reason for public health to be taken as a national initiative.
Iran Policy toward Nagorno-Karabakh Conflict
Nagorno-Karabagh is located inside the Azerbaijani territory that, with the other seven districts around it, has been occupied by Armenian...
Russia Readies to Host XII BRICS Summit
Under Russia’s BRICS Chairmanship 2020, President Vladimir Putin will host Heads of State of Brazil, China, India and South Africa...
Japan the Titan of Soft Power
Japan the titan of soft power is well recognized for its technological superiority, arts, aesthetics, and cuisines. Japan once avoided...
International organizations in the Armenian-Azerbaijani war must demonstrate a constructive position
Recent events in the Caucasus are in the spotlight of the whole world. For 30 years, the policy of aggression...
Millions affected as devastating typhoon strikes Viet Nam
A major typhoon has struck central Viet Nam, affecting millions of people – including about 2.5 million children – in...
Escaping the ‘Era of Pandemics’: Experts warn worse crises to come options offered to reduce risk
Future pandemics will emerge more often, spread more rapidly, do more damage to the world economy and kill more people...
Poland ‘slammed the door shut’ on legal and safe abortions
A group of UN independent human rights experts have denounced a court ruling in Poland that bans abortions on the...
Defense3 days ago
How Mercenaries in Nagorno-Karabakh can destabilize the situation
Southeast Asia3 days ago
The Role of Malaysia in ASEAN
South Asia3 days ago
Kashmir Bleeds, International Community Sleeps
Southeast Asia23 hours ago
From October to October: Youth and politics in Thailand
East Asia3 days ago
What prevents Japan from ratifying the recently assented Nuclear Ban Treaty?
Americas2 days ago
Israel, the Middle East and Joe Biden
Diplomacy2 days ago
Nuclear Weapons and Coercive Diplomacy- Book Review
Development3 days ago
A framework agreement of cooperation between IsDB and Standard Chartered Bank