From: entekhab.ir
Subject: اظهارات مدیرعامل بانک رفاه درباره اهمیت خلق ارزش در نظام بانکداری مدرن
Date: Sat, 30 May 2026 00:51:43 +0330
MIME-Version: 1.0
Content-Type: multipart/related;
	boundary="--97B54B13ACCB92FBEB79C9763809ECB8_MULTIPART_MIXED";
	type="text/html"
X-MimeOLE: Produced By IRANSAMANEH.COM

This is a multi-part message in MIME format.

----97B54B13ACCB92FBEB79C9763809ECB8_MULTIPART_MIXED
Content-Type: text/html
Content-Transfer-Encoding: base64
Content-Location: http://mhtfile/index.html
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=

----97B54B13ACCB92FBEB79C9763809ECB8_MULTIPART_MIXED
Content-Type: image/vnd.microsoft.icon
Content-Transfer-Encoding: base64
Content-Location: http://mhtfile/favicon.ico
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----97B54B13ACCB92FBEB79C9763809ECB8_MULTIPART_MIXED--