Project Report on ICICI Bank- Liquidity, Profitability and Key Ratios Analysis
Case Study on ICICI Bank-Banking and Finance Topic for MBA Project Synopsis
Strategic and Financial Analysis of ICICI Bank
ICICI Bank- SWOT Analysis
Strengths
ICICI Bank
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Company Data
Media Contact
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- Dominant private sector bank.
- Highly capitalised and a high capital adequacy ratio.
- NPLs and Lehman Brothers-related losses by its UK subsidiary.
- Potential NPAs arising in the real estate and SME sectors.
- The bank has faced losses due to its exposure to consumer lending.
- Potential for political interference.
- Pending approval for full bank status in Singapore will allow ICICI Bank to fully expand its financial services in the country.
- Increased business with customers in rural areas (low-value, high-volume transactions).
- Plans to set up 580 new branches.
- The gradual entry of foreign banks operating more fully.
ICICI Bank is India's second largest bank, with a network of 1,520 branches and 4,721 ATMs. It was founded in 1994 by ICICI Ltd after the government allowed new private banks to be established. It is a wholly owned subsidiary of ICICI Ltd.
ICICI Bank's net income edged up to US$221mn in Q309, up by almost 3% y-o-y, as the bank offset a fall in lending with stronger performances in bonds and currency trading. The number of loans issued fell for the fourth consecutive quarter, forcing the bank to cut consumer finance in the form of personal loans and credit cards.
ICICI Bank will continue to compete in the Indian home and car loans markets. The bank is also expected to increase its infrastructure lending in the short term, in line with some of its domestic competitors.
The bank has subsidiaries in the UK, Russia and Canada, plus branches in the US, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai. It also has representative offices in the UAE, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. The UK subsidiary has branches in Belgium and Germany.
ICICI Bank is to be awarded full bank status in Singapore, which will enable it to function as a local bank, it was disclosed in December 2009. The bank is expected to open about 25 branches once the approval is formalised.
The bank's equity shares are listed on the Bombay Stock Exchange and the National Stock Exchange of India. Its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange.
Table:
Stock Market Indicators
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2004
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2005
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2006
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2007
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2008
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2009
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Oct
2010
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Market Capitalisation, INR
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273,247.84
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502,503.16
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796,786.88
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1,356,078.13
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498,751.00
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977,089.38
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1,330,196.60
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Market Capitalisation, US$
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6,287.34
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11,154.34
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18,002.41
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34,405.13
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10,246.55
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21,000.26
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29,878.63
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Share Price, INR
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370.04
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585.05
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891.50
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1,238.70
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448.10
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877.00
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1,158.70
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Share Price, US$
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8.51
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12.99
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20.14
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31.43
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9.21
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18.85
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26.03
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Share Price, % change (eop)
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31.63
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52.52
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55.10
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56.03
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-70.71
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104.75
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Change, year-to-date
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-3.51
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Shares Outstanding (mn)
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616.39
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736.74
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889.82
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899.38
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1,112.69
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1,113.25
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1,114.85
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Source: IBA, ICICI Bank Form 20-F FY2009
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Table:
Balance Sheet (INRmn, unless stated)
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2004
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2005
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2006
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2007
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2008
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2009
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Total Assets
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1,307,476
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1,784,336
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2,772,296
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3,943,347
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4,856,166
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4,826,910
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Loans & Mortgages
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643,524.7
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964,099.6
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1,537,062.0
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2,062,109.0
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2,460,377.0
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2,644,434.0
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Total Deposits
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629,015.3
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944,641.8
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1,612,720.0
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2,334,222.0
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2,639,126.0
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2,453,084.0
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Total Shareholders' Equity
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81,170.43
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127,768.60
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228,667.20
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248,246.00
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458,034.20
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480,380.40
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Earnings per share (INR)
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25.73
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32.92
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41.39
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30.92
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32.88
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32.13
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Source: IBA, ICICI Bank Form 20-F FY2009
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Table:
Balance Sheet (US$mn, unless stated)
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2004
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2005
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2006
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2007
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2008
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2009
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Total Assets
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29,987.98
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40,789.49
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62,127.75
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90,709.01
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121,071.20
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95,139.64
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Loans & Mortgages
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14,759.74
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22,039.08
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34,445.89
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47,434.80
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61,340.74
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52,122.47
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Total Deposits
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14,426.96
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21,594.28
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36,141.41
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53,694.23
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65,797.21
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48,350.92
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Total Shareholders' Equity
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1,861.71
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2,920.76
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5,124.48
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5,710.42
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11,419.45
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9,468.42
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Earnings per share (US$)
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0.56
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0.73
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0.94
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0.68
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0.82
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0.70
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Source: IBA, ICICI Bank Form 20-F FY2009
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Table:
Key Ratios (%)
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2004
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2005
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2006
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2007
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2008
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2009
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Return on Assets
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1.32
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1.55
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1.42
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0.83
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0.79
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0.79
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Return on Equities
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21.91
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23.92
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18.75
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12.11
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10.10
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7.82
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Loan/Deposit Ratio
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102.31
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102.06
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95.66
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89.25
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94.73
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109.91
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Loan/Asset Ratio
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49.22
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54.03
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55.65
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52.83
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51.48
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55.86
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Equity/Asset Ratio
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5.93
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6.88
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8.02
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6.08
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9.21
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9.69
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Total Risk Based Capital Ratio
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10.36
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11.78
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13.35
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11.69
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13.46
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14.73
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Tier 1 Capital Ratio
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6.09
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7.59
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9.2
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7.42
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10.66
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10.34
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Source: IBA, ICICI Bank Form 20-F FY2009
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