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Raiffeisen Stavebni Sporitelna

RSS's mortgage loans rose 1.43% yoy to CZK 65,412 mil in 3Q2023

By Helgi Library - November 24, 2023

Raiffeisen Stavebni Sporitelna's mortgage loans reached CZK 65,412 mil in 3Q2023, down 0.519% compared to the previous year. Cz...

RSS's npls (as % of loans) fell 31.6% yoy to 0.644% in 3Q2023

By Helgi Library - November 24, 2023

Raiffeisen Stavebni Sporitelna's non-performing loans reached 0.644% of total loans at the end of 2023-09-30, down from 0.941% co...

RSS's employees fell 5.95% yoy to 79.0 in 3Q2023

By Helgi Library - November 24, 2023

Raiffeisen Stavebni Sporitelna employed 79.0 persons in 2023-09-30, down 3.66% when compared to the previous year. Historically,...

Annual Quarterly LTM
Profit Statement 2020 2021 2022
Net Interest Income CZK mil 947 940 887
Net Fee Income CZK mil 237 204 239
Other Income CZK mil -14.0 -39.0 71.0
Total Revenues CZK mil 1,170 1,105 1,197
Staff Cost CZK mil 294 216 125
Operating Profit CZK mil 604 483 628
Provisions CZK mil 329 -63.0 55.0
Net Profit CZK mil 217 443 468
Balance Sheet 2020 2021 2022
Interbank Loans CZK mil 7,938 7,918 1,307
Customer Loans CZK mil 57,045 64,332 70,383
Investments CZK mil 8,255 4,749 3,850
Total Assets CZK mil 75,310 78,990 77,286
Shareholders' Equity CZK mil 5,229 5,422 5,890
Interbank Borrowing CZK mil 0 2,002 7,763
Customer Deposits CZK mil 69,182 70,231 62,146
Issued Debt Securities CZK mil 302 602 602
Ratios 2020 2021 2022
ROE % 4.24 8.32 8.27
ROA % 0.295 0.574 0.599
Costs (As % Of Assets) % 0.769 0.806 0.728
Costs (As % Of Income) % 48.4 56.3 47.5
Capital Adequacy Ratio % 17.2 15.2 15.9
Net Interest Margin % 1.29 1.22 1.14
Loans (As % Of Deposits) % 82.5 91.6 113
NPLs (As % Of Loans) % 1.29 0.994 0.899
Provisions (As % Of NPLs) % 141 149 157
Growth Rates 2020 2021 2022
Total Revenue Growth % -7.29 -5.56 8.33
Operating Cost Growth % 4.62 9.89 -8.52
Operating Profit Growth % -16.2 -20.0 30.0
Net Profit Growth % -59.5 104 5.64
Customer Loan Growth % 5.51 12.8 9.41
Total Asset Growth % 4.84 4.89 -2.16
Customer Deposit Growth % 5.20 1.52 -11.5
Shareholders' Equity Growth % 4.33 3.69 8.63
Employees 265 91.0 90.0

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summary Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                                
Net Interest Income CZK mil                                   866 903 987 1,041 947    
Total Revenues CZK mil                                   981 1,088 1,233 1,262 1,170    
Operating Profit CZK mil                                   511 603 677 721 604    
Net Profit CZK mil                                   530 444 516 536 217    
balance sheet                                                
Interbank Loans CZK mil                                   1,808 457 1,043 4,757 7,938    
Customer Loans CZK mil                                   38,457 41,614 50,350 54,064 57,045    
Investments CZK mil                                   24,053 16,496 15,443 10,993 8,255    
Total Assets CZK mil                                   66,243 67,230 69,056 71,833 75,310    
                                                   
Shareholders' Equity CZK mil                                   4,785 4,771 4,768 5,012 5,229    
Interbank Borrowing CZK mil                                   0 0 0 0 0    
Customer Deposits CZK mil                                   60,817 61,211 63,533 65,762 69,182    
Issued Debt Securities CZK mil ... ...                               0 472 500 302 302    
ratios                                                
ROE % ...                                 11.2 9.29 10.8 11.0 4.24    
ROA % ...                                 0.747 0.665 0.757 0.761 0.295    
Costs (As % Of Assets) % ...                                 0.663 0.727 0.816 0.768 0.769    
Costs (As % Of Income) %                                   47.9 44.6 45.1 42.9 48.4    
Capital Adequacy Ratio % ... ...                               16.1 16.0 14.5 15.6 17.2    
Net Interest Margin % ...                                 1.22 1.35 1.45 1.48 1.29    
Interest Income (As % Of Revenues) %                                   88.3 83.0 80.1 82.5 80.9    
Fee Income (As % Of Revenues) %                                   14.9 8.73 20.1 19.3 20.3    
Staff Cost (As % Of Total Cost) %                                   48.7 50.3 45.5 50.5 51.9    
Equity (As % Of Assets) %                                   7.22 7.10 6.90 6.98 6.94    
Loans (As % Of Deposits) %                                   63.2 68.0 79.3 82.2 82.5    
Loans (As % Assets) %                                   58.1 61.9 72.9 75.3 75.7    
NPLs (As % Of Loans) % ... ...                               3.48 2.95 2.33 1.80 1.29    
Provisions (As % Of NPLs) % ... ...                               68.2 77.9 94.7 98.1 141    
income statement Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                                
Interest Income CZK mil                                   1,931 1,792 1,828 1,904 1,834    
Interest Cost CZK mil                                   1,065 889 841 863 887    
Net Interest Income CZK mil                                   866 903 987 1,041 947    
Net Fee Income CZK mil                                   146 95.0 247 244 237    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 336 336    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 92.0 99.0    
Other Income CZK mil                                   -31.0 90.0 -1.59 -23.0 -14.0    
Total Revenues CZK mil                                   981 1,088 1,233 1,262 1,170    
Staff Cost CZK mil                                   229 244 253 273 294    
Depreciation CZK mil                                   38.0 43.0 50.5 87.0 95.0    
Other Cost CZK mil                                   203 198 253 181 177    
Operating Cost CZK mil                                   470 485 556 541 566    
Operating Profit CZK mil                                   511 603 677 721 604    
Provisions CZK mil                                   -130 67.0 33.6 54.0 329    
Extra and Other Cost CZK mil                                   0 0 0.439 0.011 0    
Pre-Tax Profit CZK mil                                   641 536 643 667 275    
Tax CZK mil                                   111 92.0 127 131 58.0    
Minorities CZK mil                                   0 0 0 0 0    
Net Profit CZK mil                                   530 444 516 536 217    
Net Profit Avail. to Common CZK mil                                   530 444 516 536 217    
Dividends CZK mil ... ... ...                             300 300 300 0 217    
growth rates                                                
Net Interest Income Growth % ...                                 13.1 4.27 9.32 5.46 -9.03    
Net Fee Income Growth % ...                                 -34.2 -34.9 160 -1.34 -2.87    
Total Revenue Growth % ...                                 3.70 10.9 13.3 2.36 -7.29    
Operating Cost Growth % ...                                 5.38 3.19 14.7 -2.72 4.62    
Operating Profit Growth % ...                                 2.20 18.0 12.2 6.54 -16.2    
Pre-Tax Profit Growth % ...                                 35.8 -16.4 19.9 3.79 -58.8    
Net Profit Growth % ...                                 35.2 -16.2 16.1 4.00 -59.5    
market share                                                
Market Share in Revenues %                                   0.544 0.607 0.648 0.624 0.648    
Market Share in Net Profit %                                   0.717 0.589 0.633 0.589 0.457    
Market Share in Employees % ... ...                               0.646 0.640 0.638 0.644 0.651    
Market Share in Branches % ... ... ... ... ... ... ... ... ... ...               9.14 9.10 9.10 9.96 11.2    
balance sheet Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
balance sheet                                                
Cash & Cash Equivalents CZK mil                                   614 1,028 913 605 552    
Interbank Loans CZK mil                                   1,808 457 1,043 4,757 7,938    
Customer Loans CZK mil                                   38,457 41,614 50,350 54,064 57,045    
Retail Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     32,484 37,059 45,305 49,903 51,845    
Mortgage Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     32,484 37,059 45,305 49,903 51,845    
Consumer Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     0 0 0 0 0    
Corporate Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     6,808 4,564 5,045 5,117 5,200    
Investments CZK mil                                   24,053 16,496 15,443 10,993 8,255    
Property and Equipment CZK mil                                   191 216 234 371 76.0    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 215 220    
Total Assets CZK mil                                   66,243 67,230 69,056 71,833 75,310    
                                                   
Shareholders' Equity CZK mil                                   4,785 4,771 4,768 5,012 5,229    
Of Which Minority Interest CZK mil ... ...                               0 0 0 0 0    
Liabilities CZK mil                                   61,458 62,459 64,289 66,821 70,081    
Interbank Borrowing CZK mil                                   0 0 0 0 0    
Customer Deposits CZK mil                                   60,817 61,211 63,533 65,762 69,182    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     59,320 60,795 63,533 64,415 67,756    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     670 175 0 510 547    
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 7,912 9,143    
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 56,503 58,613    
Issued Debt Securities CZK mil ... ...                               0 472 500 302 302    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 302 302    
Other Liabilities CZK mil ... ...                               641 776 255 757 597    
asset quality                                                
Non-Performing Loans CZK mil ... ...                               1,372 1,257 1,174 988 747    
Gross Loans CZK mil ... ...                               39,393 42,594 50,350 55,033 58,097    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ...           26,670 26,799 29,570 29,285 29,663    
Total Provisions CZK mil ... ...                               936 979 1,111 969 1,052    
growth rates                                                
Customer Loan Growth % ...                                 1.92 8.21 21.0 7.38 5.51    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   2.63 14.1 22.3 10.1 3.89    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   2.63 14.1 22.3 10.1 3.89    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   -2.56 -33.0 10.5 1.43 1.62    
Total Asset Growth % ...                                 -12.4 1.49 2.72 4.02 4.84    
Shareholders' Equity Growth % ...                                 1.40 -0.285 -0.076 5.12 4.33    
Customer Deposit Growth % ...                                 -13.3 0.647 3.79 3.51 5.20    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   -13.5 2.49 4.50 1.39 5.19    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   -3.74 -73.9 -100 ... 7.25    
market share                                                
Market Share in Customer Loans %                                   1.30 1.35 1.52 1.57 1.59    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     0.698 0.447 0.467 0.457 0.463    
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     2.29 2.43 2.76 2.86 2.79    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     0 0 0 0 0    
Market Share in Mortgage Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     3.08 3.23 3.64 3.75 3.61    
Market Share in Total Assets %                                   1.11 0.960 0.949 0.950 0.945    
Market Share in Customer Deposits %                                   1.61 1.47 1.43 1.39 1.34    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     2.69 2.56 2.48 2.36 2.22    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     0.073 0.018 0 0.047 0.045    
ratios Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
ROE % ...                                 11.2 9.29 10.8 11.0 4.24    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4.43    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...         13.3 11.1 12.2 12.1 4.91    
ROA % ...                                 0.747 0.665 0.757 0.761 0.295    
Return on Loans % ...                                 1.39 1.11 1.12 1.03 0.391    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...         1.93 2.26 2.40 2.45 2.05    
Costs (As % Of Assets) % ...                                 0.663 0.727 0.816 0.768 0.769    
Costs (As % Of Income) %                                   47.9 44.6 45.1 42.9 48.4    
Costs (As % Of Loans) % ...                                 1.23 1.21 1.21 1.04 1.02    
Costs (As % Of Loans & Deposits) % ...                                 0.454 0.480 0.513 0.463 0.460    
Capital Adequacy Ratio % ... ...                               16.1 16.0 14.5 15.6 17.2    
Tier 1 Ratio % ... ...                               16.1 16.0 14.5 14.6 16.2    
Net Interest Margin % ...                                 1.22 1.35 1.45 1.48 1.29    
Interest Spread % ...                                 1.11 1.25 1.36 1.39 1.20    
Asset Yield % ...                                 2.72 2.69 2.68 2.70 2.49    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...         3.70 4.07 4.37 4.29 3.97    
Cost Of Liabilities % ...                                 1.61 1.43 1.33 1.32 1.30    
Payout Ratio % ... ... ...                             56.6 67.6 58.2 0 100    
Interest Income (As % Of Revenues) %                                   88.3 83.0 80.1 82.5 80.9    
Fee Income (As % Of Revenues) %                                   14.9 8.73 20.1 19.3 20.3    
Other Income (As % Of Revenues) %                                   -3.16 8.27 -0.129 -1.82 -1.20    
Staff Cost (As % Of Total Cost) %                                   48.7 50.3 45.5 50.5 51.9    
Equity (As % Of Assets) %                                   7.22 7.10 6.90 6.98 6.94    
Equity (As % Of Loans) %                                   12.4 11.5 9.47 9.27 9.17    
Loans (As % Of Deposits) %                                   63.2 68.0 79.3 82.2 82.5    
Loans (As % Assets) %                                   58.1 61.9 72.9 75.3 75.7    
NPLs (As % Of Loans) % ... ...                               3.48 2.95 2.33 1.80 1.29    
Provisions (As % Of NPLs) % ... ...                               68.2 77.9 94.7 98.1 141    
Provisions (As % Of Loans) % ... ...                               2.43 2.35 2.21 1.79 1.84    
Cost of Provisions (As % Of Loans) % ...                                 -0.341 0.167 0.073 0.103 0.592    
other data Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Branches ... ... ... ... ... ... ... ... ... ...               187 177 178 189 188    
Employees ... ...                               265 268 267 268 265    
Employees Per Bank Branch ... ... ... ... ... ... ... ... ... ...               1.42 1.51 1.50 1.42 1.41    
Cost Per Employee USD per month ... ...                               2,854 3,233 3,607 3,766 4,202    
Cost Per Employee (Local Currency) CZK per month ... ...                               72,013 75,871 78,907 84,888 92,453    
customer breakdown Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Customers mil ... ...                               0.588 0.560 0.557 0.584 0.600    
Number of Accounts mil ... ...                               0.588 0.560 0.557 0.584 0.600   ...
Number of Primary Customers mil ... ...                               0.099 0.099 0.100 0.095 0.088   ...
Number of Mortgages mil ... ...                               0.099 0.099 0.100 0.095 0.088   ...
Average Size of Deposit CZK ... ...                               103,384 109,376 114,144 112,668 115,276   ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     327,969 376,071 452,916 524,701 589,241   ...
Accounts (As % of Total Clients) % ... ...                               100 100 100 100 100   ...
Primary (As % of Total Clients) % ... ...                               16.8 17.6 18.0 16.3 14.7   ...
Mortgages (As % of Total Clients) % ... ...                               16.8 17.6 18.0 16.3 14.7   ...
Revenue per Customer (Local Currency) CZK ... ...                               1,668 1,944 2,215 2,162 1,950    
Net Profit per Customer (Local Currency) CZK ... ...                               901 793 926 919 362    
Loan per Customer (Local Currency) CZK ... ...                               65,374 74,360 90,459 92,626 95,053    
Deposit per Customer (Local Currency) CZK ... ...                               103,384 109,376 114,144 112,668 115,276    
Revenue per Customer USD ... ...                               66.1 82.9 101 95.9 88.6    
Net Profit per Customer USD ... ...                               35.7 33.8 42.3 40.8 16.4    
Loan per Customer USD ... ...                               2,550 3,493 4,026 4,095 4,444    
Deposit per Customer USD ... ...                               4,032 5,137 5,081 4,981 5,390    

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RSS's capital adequacy ratio rose 34.7% yoy to 22.2% in 3Q2023

By Helgi Library - November 24, 2023

Raiffeisen Stavebni Sporitelna's capital adequacy ratio reached 22.2% at the end of third quarter of 2023, up from 21.6% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 22.2% in 3Q2023 and an all time low of 9.2...

Raiffeisen Stavebni Sporitelna - Market Share in Retail Loans

By Helgi Library - September 30, 2023

Raiffeisen Stavebni Sporitelna's retail loans reached CZK 65,753 mil in the second quarter of 2023, up 0.500% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. Ra...

Raiffeisen Stavebni Sporitelna - Market Share in Bank Loans

By Helgi Library - September 30, 2023

Raiffeisen Stavebni Sporitelna's customer loans reached CZK 70,576 mil in 2023-06-30, up 0.009% compared to the previous year. Czech banking sector provided customer loans of CZK 4,206 in 2023-06-30, up 2.15% when compared to the last year. Raiffeisen Sta...

RSS's corporate loans fell 12.8% yoy to CZK 4,554 mil in 3Q2023

By Helgi Library - November 24, 2023

Raiffeisen Stavebni Sporitelna's loans reached CZK 70,074 mil in the third quarter of 2023, down from CZK 70,576 mil when compared to the previous quarter and down from CZK 70,704 mil when compared to the same period of last year. Historically, the ba...

RSS's net profit rose 41.6% yoy to CZK 162 mil in 3Q2023

By Helgi Library - November 24, 2023

Raiffeisen Stavebni Sporitelna made a net profit of CZK 162 mil in the third quarter of 2023, up 41.6% when compared to the same period of last year. This implies a return on equity of 8.03%. Historically, the bank’s net profit reached an all time high of CZK 428...

RSS's net profit rose 41.6% yoy to CZK 162 mil in 3Q2023

By Helgi Library - November 24, 2023

Raiffeisen Stavebni Sporitelna made a net profit of CZK 162 mil under revenues of CZK 317 mil in the third quarter of 2023, up 41.6% and 7.61% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of...

RSS's net interest margin rose 20.5% yoy to 1.36% in 3Q2023

By Helgi Library - November 24, 2023

Raiffeisen Stavebni Sporitelna's net interest margin amounted to 1.36% in the third quarter of 2023, up from 1.28% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.87% in 2Q2001 and an all time...

Raiffeisen Stavebni Sporitelna - Market Share in Bank Deposits

By Helgi Library - November 24, 2023

Raiffeisen Stavebni Sporitelna's customer deposits reached CZK 58,627 mil in 2023-06-30, down 3.19% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,832 bil in 2023-06-30, up 3.12% when compared to the last year. Rai...

RSS's total revenues fell 5.78% yoy to CZK 298 mil in 2Q2023

By Helgi Library - September 30, 2023

Raiffeisen Stavebni Sporitelna generated total banking revenues of CZK 298 mil in 2023-06-30, up 7.08% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 67,123 mil in 2023-06-30, up 20.3% when compared ...

Raiffeisen Stavebni Sporitelna - Market Share in Retail Deposits

By Helgi Library - September 30, 2023

Raiffeisen Stavebni Sporitelna's retail deposits reached CZK 58,074 mil in 2023-06-30, down 3.20% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,513 bil in 2023-06-30, up 1.93% when compared to the last year. Raiffei...

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Raiffeisen Stavebni is one of the five building savings banks operating in the Czech Republic. It is partly owned by the Czech subsidiary of Raiffeisenbank (10%) with the rest in the hands of Raiffeisen Bausparkasse. Following the acquisition of Hypo Stavební Spořitelna in 2008, the building savings bank owned some 15% of building savings loans and deposits. It cooperates with Raiffeisenbank and operates through a network of 200 selling points.

Raiffeisen Stavebni Sporitelna Logo

Finance

Raiffeisen Stavebni Sporitelna has been growing its revenues and asset by -1.13% and -0.787% a year on average in the last 10 years. Its loans and deposits have grown by 5.64% and -2.11% a year during that time and loans to deposits ratio reached 113% at the end of 2022. The company achieved an average return on equity of 8.89% in the last decade with net profit growing -1.62% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.5% in 2022, compared to 46.7% average in the last decade.

Equity represented 7.62% of total assets or 8.37% of loans at the end of 2022. Raiffeisen Stavebni Sporitelna's non-performing loans were 0.899% of total loans while provisions covered some 157% of NPLs at the end of 2022.

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