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The "Indian Banks' Association (IBA)" is an association of banks in India for promoting their common interests. The IBA was established in 1946 and represents the banking industry in various forums and negotiations with the government, regulators, and trade unions. The IBA also acts as a platform for banks to share information and best practices, and to collaborate on various initiatives, such as technology adoption, risk management, and customer service. Therefore, option D is correct.
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