RNS No 6555b
BARCLAYS PLC
16th February 1999
PART TWO
BARCLAYS PLC
SUMMARY OF RESULTS
PROFIT BEFORE TAX 1998 1997
#m #m
Retail Financial Services* 1,519 1,287
Corporate Banking* 972 921
Barclays Capital (265) 252
Barclays Global Investors 52 51
Businesses in Transition** 48 93
Other operations (184) (56)
Head office functions (60) (52)
Goodwill amortisation (12) (12)
Provision for litigation (76) -
settlement***
1,994 2,484
Former BZW businesses (33) (219)
Exceptional items 1 (425)
Write-down of leases (40) (77)
Life-fund charge - (28)
Write-down of fixed asset (4) (19)
investments
1,918 1,716
TOTAL ASSETS #m #m
Retail Financial Services 46,150 41,698
Corporate Banking 42,853 36,505
Barclays Capital 117,194 134,680
Barclays Global Investors 183 161
Businesses in Transition
- former BZW businesses - 8,477
- other 554 771
Other operations and Head office 5,475 4,178
functions
Retail life-fund assets 7,085 5,959
attributable to policyholders
219,494 232,429
WEIGHTED RISK ASSETS
Retail Financial Services 31,493 28,514
Corporate Banking 41,679 35,286
Barclays Capital 31,172 34,942
Barclays Global Investors 207 141
Businesses in Transition
- former BZW businesses - 4,078
- other 594 801
Other operations**** 4,636 4,565
109,781 108,327
* Figures are stated prior to the impact of the Finance (No.2) Act 1997
and the Finance Act 1998.
** Businesses in Transition profit before tax excludes the results of
former BZW businesses which are shown separately.
*** The 1998 provision relates to the settlement of the Atlantic
litigation.
**** Including supervisory adjustments.
BARCLAYS PLC
CONSOLIDATED PROFIT AND LOSS ACCOUNT
1998 1997
#m #m
Interest receivable 9,952 9,204
Interest payable (5,600) (5,091)
Write-down of leases (40) (77)
Profit on redemption/repurchase of 3 2
loan capital
Net interest income 4,315 4,038
Net fees and commissions 2,779 2,979
receivable
Dealing profits (33) 374
Other operating income 324 228
Life-fund charge - (28)
Total non-interest income 3,070 3,553
Operating income 7,385 7,591
Administration expenses - staff (2,811) (3,035)
costs
Administration expenses - other (1,810) (1,896)
Depreciation and amortisation (275) (269)
Operating expenses (4,896) (5,200)
Operating profit before provisions 2,489 2,391
Provisions for bad and doubtful (492) (227)
debts
Provisions for contingent (76) (4)
liabilities and commitments
Operating profit 1,921 2,160
Exceptional items 1 (425)
Write-down of fixed asset (4) (19)
investments
Profit on ordinary activities 1,918 1,716
before tax
Tax on profit on ordinary (538) (542)
activities
Profit on ordinary activities 1,380 1,174
after tax
Minority interests (equity and non- (45) (44)
equity)
Profit for the financial year
attributable to the members of 1,335 1,130
Barclays PLC
Dividends (646) (563)
Profit retained for the financial 689 567
year
Earnings per ordinary share 88.4p 74.4p
Earnings per ordinary share for 90.9p 109.1p
the ongoing business
Dividend per ordinary share:
First interim 15.5p 13.5p
Second interim (payable 30th April 27.5p 23.5p
1999)
BARCLAYS PLC
CONSOLIDATED PROFIT AND LOSS ACCOUNT FOR THE ONGOING BUSINESS
1998 1997
#m #m
Interest receivable 9,952 9,196
Interest payable (5,598) (5,091)
Profit on redemption/repurchase of 3 2
loan capital
Net interest income 4,357 4,107
Net fees and commissions 2,771 2,652
receivable
Dealing profits (27) 342
Other operating income 319 222
Total non-interest income 3,063 3,216
Operating income 7,420 7,323
Administration expenses - staff (2,789) (2,633)
costs
Administration expenses - other (1,793) (1,719)
Depreciation and amortisation (276) (256)
Operating expenses (4,858) (4,608)
Operating profit before provisions 2,562 2,715
Provisions for bad and doubtful (492) (227)
debts
Provisions for contingent (76) (4)
liabilities and commitments
Operating profit for the ongoing 1,994 2,484
business
Former BZW businesses (33) (219)
Exceptional items 1 (425)
Write-down of leases (40) (77)
Life-fund charge - (28)
Write-down of fixed asset (4) (19)
investments
Profit on ordinary activities 1,918 1,716
before tax
The consolidated profit and loss account shown on page 7 is affected by the
inclusion of the results of the former BZW businesses, the majority of which
were sold in the first half of 1998. The table above presents the
consolidated profit and loss account for the ongoing business excluding the
impact of the former BZW businesses' results and the 1997 and 1998 Finance
Acts.
BARCLAYS PLC
CONSOLIDATED BALANCE SHEET
1998 1997
Assets: #m #m
Cash and balances at central banks 942 750
Items in course of collection from 2,475 2,564
other banks
Treasury bills and other eligible 4,748 5,511
bills
Loans and advances to banks
- banking 20,316 21,729
- trading 16,296 15,155
36,612 36,884
Loans and advances to customers
- banking 81,469 74,111
- trading 14,641 25,712
96,110 99,823
Debt and equity securities 50,068 55,956
Interests in associated 150 57
undertakings and joint ventures
Intangible fixed assets - goodwill 196 191
Tangible fixed assets 1,939 2,016
Other assets 19,169 22,718
212,409 226,470
Retail life-fund assets 7,085 5,959
attributable to policyholders
Total assets 219,494 232,429
Liabilities:
Deposits by banks
- banking 25,951 30,511
- trading 8,469 13,968
34,420 44,479
Customer accounts
- banking 96,099 89,647
- trading 12,706 18,791
108,805 108,438
Debt securities in issue 17,824 20,366
Items in course of collection due 1,279 1,676
to other banks
Other liabilities 38,110 40,638
Undated loan capital - convertible 301 304
to preference shares
Undated loan capital - non- 1,441 1,353
convertible
Dated loan capital - non- 1,992 1,211
convertible
Other subordinated liabilities - - 59
non-convertible
204,172 218,524
Minority interests and
shareholders' funds:
Minority interests: equity 51 61
Minority interests: non-equity 263 265
Called up share capital 1,511 1,530
Reserves 6,412 6,090
Shareholders' funds: equity 7,923 7,620
8,237 7,946
212,409 226,470
Retail life-fund liabilities 7,085 5,959
attributable to policyholders
Total liabilities and 219,494 232,429
shareholders' funds
BARCLAYS PLC
FINANCIAL REVIEW
Results by nature of income and expense
In the tables below, income and cost totals excluding former BZW businesses
are shown to assist in the analysis of the ongoing business performance.
For most of 1997, BZW comprised the businesses that reported as Barclays
Capital and the former BZW businesses, operating as an integrated business
with significant levels of shared costs and infrastructure. Accordingly,
the amounts separately attributed to Barclays Capital and the former BZW
businesses in 1997 include estimates and allocations. Under these
circumstances, it is not meaningful to provide any more detailed analysis of
income and costs.
Net interest income 1998 1997
#m #m
Interest receivable 9,952 9,204
Interest payable (5,600) (5,091)
Profit on redemption/repurchase of 3 2
loan capital
4,355 4,115
Write-down of leases (40) (77)
4,315 4,038
Excluding former BZW businesses
and write-down of leases 4,357 4,107
Net interest income rose by #250m or 6%, excluding the contribution from
former BZW businesses and the write-down of leases following a further
reduction in the rate of Corporation Tax. Adjusting for these, the loss of
interest resulting from share buy-backs and other business disposals,
underlying net interest income increased by 7%.
Retail Financial Services net interest income grew by 9% to #2,821m,
benefiting from an improved contribution in home finance and strong volume
growth in UK consumer loans and extended credit card balances. Average
balances in consumer lending increased by 15% with outstanding balances
exceeding #5.5bn by the year end. Barclaycard increased average interest
earning lendings by 18% and maintained its overall interest margin. There
was also an increased contribution from current account and savings
products. Average savings balances increased by 10% in the year. However
strong growth in lower margin products, as part of a policy to grow and
retain balances, and competitive pressure resulted in a slight fall in the
overall savings margin.
Corporate Banking net interest income increased by 7% reflecting strong
volume growth in both assets and liabilities. Lendings to large corporates
and financial institutions in the United Kingdom and overseas grew
significantly benefiting from the rising cost of raising funds in corporate
bond markets. There was also good growth in middle market lending, with the
majority of the increase resulting from increased customer utilisation of
agreed lending lines and new and extended facilities to existing customers.
A change in the portfolio mix, as a result of strong growth in large
corporate lending, has resulted in a reduction in the overall corporate
lending margin.
Overall banking business margins were maintained at 3.42%. An increased
contribution from the spread, particularly in the second half of the year
reflecting changes in both the portfolio and funding mix, was offset by a
fall in the benefit of free funds to 0.73% (1997: 0.75%).
The net deficit arising from the central management of Group capital rose to
#98m (1997: deficit #24m), mainly as a result of increased interest
allocations to businesses reflecting higher short-term interest rates and
increased levels of regulatory capital employed by individual businesses. A
narrowing of the gap between the managed medium-term market rate and short-
term market rates of interest during the first half of the year eliminated
the contribution to the net margin from the central management of Group
interest rate exposure for the year (1997: 0.11%).
Yields, spreads and margins - banking business
Domestic business is conducted primarily in sterling and is transacted by
Retail Financial Services, Corporate Banking, Barclays Capital and Group
Treasury. International business is conducted primarily in foreign
currencies. In addition to the business carried out by overseas branches
and subsidiaries, international business is transacted in the United Kingdom
by Barclays Capital, mainly with customers domiciled outside the United
Kingdom.
The yields, spreads and margins shown below have been computed on this
basis, which generally reflects the domicile of the borrower. They exclude
profits and losses on the redemption and repurchase of loan capital and one-
off write-down of leases.
1998 1997
% %
Gross yield (i)
Group 7.81 7.64
Domestic 8.90 8.36
International 5.84 6.24
Interest spread (ii)
Group 2.69 2.67
Domestic 3.40 3.41
International 1.30 1.24
Interest margin (iii)
Group 3.42 3.42
Domestic 4.44 4.48
International 1.55 1.34
Average UK base rate 7.23 6.57
Notes
(i) Gross yield is the interest rate earned on average interest earning
assets.
(ii) Interest spread is the difference between the interest rate earned on
average interest earning assets and the interest rate paid on average
interest bearing liabilities.
(iii) Interest margin is net interest income as a percentage of average
interest earning assets.
Average interest earning assets and liabilities - banking business
1998 1997
Average interest earning assets #m #m
Group 127,396 120,407
Domestic 82,095 79,697
International 45,301 40,710
Average interest bearing
liabilities
Group 109,225 102,408
Domestic 66,492 62,444
International 42,733 39,964
Net fees and commissions 1998 1997
#m #m
Fees and commissions receivable 3,008 3,197
Less: fees and commissions payable (229) (218)
2,779 2,979
Excluding former BZW businesses 2,771 2,652
Excluding the contribution from the former BZW businesses and the impact of
other disposals, net fees and commissions rose by some 7% overall, with
strong performances by Corporate Banking and Barclays Global Investors.
In Corporate Banking commissions rose by 6% with strong growth in customer
related foreign exchange income and lending and arrangement fees,
particularly for large corporates. Money transmission income was maintained
and benefited from continued good growth in electronic banking products.
Excluding the impact of disposals, Barclays Global Investors increased its
income by 20% over 1997 benefiting from favourable market conditions in the
first half of the year and continued new business growth in assets under
management in all its major markets.
Retail Financial Services' fees and commissions grew by 3% reflecting
increased contributions in European Retail Banking and Barclays Private
Banking as a result of new business levels and favourable market conditions,
and volume growth in the debit and credit card businesses in the second half
of the year. This more than offset the lower contribution from Barclays
Insurance, following the move to in-house underwriting of all payment
protection insurance. Premiums on insurance business written in-house are
now reported in Other operating income.
Retail Financial Services and Corporate Banking fees and commissions include
#81m (1997: #71m) in respect of foreign exchange income on customer
transactions with Barclays Capital.
Increased lending activity, particularly in structured finance, contributed
to a #11m improvement in fees and commissions at Barclays Capital.
Dealing profits 1998 1997
#m #m
Interest rate related (132) 199
Foreign exchange and commodities 100 132
Equities and other (1) 43
(33) 374
Excluding former BZW businesses (27) 342
Almost all the Group's dealing profits arise in Barclays Capital. The fall
in interest rate related dealing profits reflects proprietary trading losses
incurred as a result of the Russian government default on its domestic debt
obligations, together with the consequent widening of spreads in all
segments of the corporate bond market and a reduction in general business
volumes. This was partially offset by strong dealing profits within
interest rate derivatives and the government bond business.
Foreign exchange performed well, albeit profits were lower than the high
levels achieved in 1997. There were also substantially lower revenues in the
commodities business as prices weakened throughout the year.
Equity and other dealing profits primarily arises in the equity derivatives
business. Equity related dealing profits fell in the second half of the
year mainly as a result of the dislocation in the equity markets. In 1997,
equities and other dealing profits predominantly related to the former BZW
businesses.
Other operating income 1998 1997
#m #m
Income from associated 22 16
undertakings and joint ventures
Dividend income from equity shares 14 20
Profits on disposal of investment 49 46
securities
Income from the long-term 109 61
assurance business
Property rentals 44 39
Other income 86 46
324 228
Life-fund charge - (28)
324 200
Excluding former BZW businesses 319 194
Income from associated undertakings and joint ventures benefited from the
inclusion from 1st January 1998 of profits on an equity accounted basis from
the Group's Brazilian associate, Banco Barclays e Galicia.
Profits on disposal of investment securities arose largely from realisations
by the private equity business within Barclays Capital in the ordinary
course of business.
In 1997, income from the long term insurance business was reduced by a
further #25m provision for the cost of redress for personal pension
customers (non priority cases).
The higher level of other income in 1998 reflected #31m of premium income on
insurance underwriting activities, the first stage of which commenced in the
second half of 1997, and an increase of #7m, to #20m, in respect of profits
on disposal of properties.
Administrative expenses - staff 1998 1997
costs
#m #m
Salaries and accrued incentive 2,211 2,380
payments
Social security costs 173 200
Pension costs 37 65
Post-retirement health care 17 23
UK profit sharing 88 101
Other staff costs 285 266
2,811 3,035
Staff reduction and relocation 86 66
costs included above
Staff costs excluding former BZW 2,789 2,633
businesses
Number of staff at period end:
Retail Financial Services* 58,100 59,500
Corporate Banking 10,800 10,700
Barclays Capital** 4,400 7,400
Barclays Global Investors 1,500 1,300
Businesses in Transition 100 700
Other operations 3,300 3,200
Head office functions 400 400
Group total world wide 78,600 83,200
of which United Kingdom 58,900 61,100
* Retail Financial Services figures include staff who represent a shared
resource with Corporate Banking, but exclude 1,000 Barclays Life advisors
and field sales managers (31st December 1997: 1,000) and 1,300
administrative staff (31st December 1997: 1,200) whose costs are borne
within the long-term assurance fund.
**1997 figures include staff relating to former BZW businesses.
Staff costs
Excluding costs incurred by the former BZW businesses, staff costs rose by
6% in 1998 mainly reflecting the impact of the 1998 annual pay award to UK
staff and increased resource (including temporary staff) in key areas of the
business.
In Retail Financial Services, staff costs increased by 4%. This was partly
the result of rationalisation costs of #15m at Barclaycard, where in
September a reduction of 1,100 staff over the next three years was
announced. Within UK Retail Banking, the cost impact of growth in business
volumes and expansion of delivery channels was offset by efficiency savings
and the continued centralisation of the network. There was also increased
investment in front office customer servicing capability in Barclays
Offshore and Barclays Private Banking.
Higher staff costs in Barclays Global Investors, Corporate Banking and Other
operations reflected the investment in resources to support new products and
customer service enhancements, as well as Year 2000 and euro preparations.
Reductions in Barclays Capital staff costs resulted from lower levels of
performance related pay. This was offset by the transfer of staff from the
former BZW equity derivatives business at the beginning of 1998.
The fall in pension costs reflected the reduction in the contribution rate
to the Group's main UK scheme from 2.5% of pensionable salary in 1997 to nil
with effect from 1st January 1998.
Staff numbers fell by 4,600, primarily because of the sale of former BZW
businesses. In Retail Financial Services, there were reductions in Africa
and the Caribbean and to a lesser extent in Barclaycard. These were partly
offset by the creation of new customer service and product delivery roles in
UK Retail Banking and International Premier, Private, Savings and
Investment.
Administrative expenses - other 1998 1997
#m #m
Property and equipment expenses:
Hire of equipment 28 35
Property rentals 176 217
Other property and equipment 638 619
expenses
842 871
Stationery, postage and telephones 230 245
Advertising and market promotion 225 215
Travel, accommodation and 113 133
entertainment
Subscriptions and publications 43 37
Securities clearing and other 49 74
operational expenses
Sundry losses, provisions and 53 78
write-offs
Statutory and regulatory audit and 6 6
accountancy fees
Consultancy fees 126 103
Professional fees 91 99
Other expenses 32 35
1,810 1,896
Excluding former BZW businesses 1,793 1,719
Administrative expenses rose by 4%, excluding costs of former BZW
businesses. This reflected continued investment across the Group on
upgrading technology and customer orientated and other initiatives
(including euro preparation and Year 2000 compliance).
In Retail Financial Services and Corporate Banking other administrative
expenses included expenditure on existing and emerging delivery channels
(including telephone, internet and PC banking), new product development and
other customer based service initiatives. Marketing expenditure grew as a
result of increased television and cinema advertising in support of new
business development.
Barclays Capital's other administrative expenses included increased
expenditure on upgrading technology as well as higher levels of allocated
fixed costs previously attributed to the former BZW businesses. In 1997
property and equipment costs increased as a result of the one-off impact of
the relocation to Canary Wharf.
The increase in consultancy fees reflected higher levels of expenditure on
technology initiatives, Year 2000 compliance and preparations for the
introduction of the euro, together with costs relating to the restructuring
of Group Property Services and other central functions.
Depreciation and amortisation 1998 1997
#m #m
Property depreciation 88 106
Equipment depreciation 172 170
Goodwill amortisation 12 12
Loss on sale of equipment 5 3
Write-back of surplus properties (2) (22)
275 269
Excluding former BZW businesses 276 256
The reduction in the property depreciation charge primarily resulted from
one-off adaptation charges in 1997, and a #7m charge in respect of the local
head office in Paris in the same year.
The write-back of surplus properties represents the recovery of amounts
previously written off against certain City of London properties which have
now been sold. Other gains on property disposals totalling #20m (1997: #13m)
have been included in Other operating income.
Provisions for bad and doubtful debts
1998 1997
The charge for the year in respect #m #m
of bad and doubtful debts
comprises:
Specific provisions - credit risk
New and increased 816 625
Releases (135) (225)
Recoveries (176) (126)
505 274
General provision releases - (20) (65)
credit risk
485 209
Specific provision releases - (13) (27)
country risk
General provision charge - country 20 45
risk
Net charge 492 227
Total provisions for bad and
doubtful debts at end of year
comprise:
Specific - credit risk 1,199 1,078
Specific - country risk 16 44
Total specific provisions 1,215 1,122
General provisions
- credit risk 663 683
- country risk 65 45
1,943 1,850
The #265m increase in the net charge was mainly as a result of a #153m
provision in the second half of 1998 in respect of exposure to Russian
counterparties (primarily in respect of currency forward contracts and
repurchase agreements). Net releases and recoveries of specific and general
credit risk provisions reduced by #85m to #331m.
Excluding the impact of Russia, gross new and increased specific credit risk
provisions rose by #38m compared to last year. There were increased charges
in UK consumer lending and Barclaycard, largely because of higher volumes
Releases and recoveries continued to decline in the transition businesses in
the United States and France as the portfolios were managed down to low
levels. Releases and recoveries in Corporate Banking slowed in the second
half of the year and are expected to reduce further in 1999.
The country risk general provision was raised by a further #20m to #65m in
the second half of the year to cover increased transfer risks arising from
continuing uncertainty in emerging markets.
The net provisions charge for the year as a percentage of average loans and
advances was 0.49%, compared with 0.23% in 1997.
Provisions for contingent liabilities and commitments
1998 1997
#m #m
(76) (4)
The charge for the year represents a contribution of some #116m to the
Administrators of British & Commonwealth Holdings PLC (B&C) in relation to the
overall settlement of proceedings which arose in connection with B&C's
acquisition of Atlantic Computers Plc in 1988, adjusted for expected insurance
cover of #40m.
Exceptional items 1998 1997
#m #m
Loss on sale or restructuring of
BZW:
Profit/(loss) on sale of business 8 (57)
assets
Staff reductions, property and
equipment, and other costs* - (283)
Goodwill written off (11) (129)
(3) (469)
Profit on disposal of other Group 4 44
undertakings
1 (425)
* Expenditure of #245m has been incurred to date in respect of the
restructuring of BZW, for which a provision of #283m was raised in 1997.
The sales of the former BZW businesses in respect of the equities, equity
capital markets and mergers and acquisitions advisory businesses in the
United Kingdom, Europe and Asia were completed in 1998 at a loss of #57m
(before goodwill written off). This was provided for in 1997. A further
loss of #3m (after goodwill written off) arose in 1998 in respect of the
disposal of the Australasian investment banking business.
The net profit on disposal of other Group undertakings includes goodwill
written off of #1m. It represents gains of #14m (including a final #11m
realisation in respect of the sale of the Custody business in 1997) offset
by losses of #10m.
Write-down of fixed asset 1998 1997
investments
#m #m
(4) (19)
The charge in 1997 was primarily in respect of the write-down of the cost of
investments in certain Asian banking associates.
Tax
The charge for the year assumes UK corporation tax rate of 31% for the
calendar year 1998 (1997: 31.5%) and comprises current tax of #553m (1997:
#555m) and deferred tax credit of #15m (1997: credit #13m). The effective
rate of tax is 28.1% (1997: 31.6%). The reduction in the rate is mainly
attributable to relief not being available in 1997 on the whole of the
disposal costs of the former BZW businesses.
Included in the charge is #4m (1997: #20m) in respect of advance corporation
tax on franked investment income and #25m (1997: #10m) notional tax on the
increase in the shareholders' interest in the long-term assurance fund.
There has been no change in the policy for partial provision for deferred
taxation in respect of leasing.
Earnings per ordinary share
Earnings per ordinary share is based upon the results after deducting tax,
profit attributable to minority interests and dividends on staff shares.
1998 1997
Earnings in period #1,335m #1,130m
Earnings in period for the ongoing #1,371m #1,657m
business
Weighted average of ordinary 1,510m 1,519m
shares in issue
Earnings per ordinary share 88.4p 74.4p
Earnings per ordinary share for 90.9p 109.1p
the ongoing business
Diluted earnings per share is not materially different from the basic
earnings per share figure reported above in either 1998 or 1997.
Dividends on ordinary shares
The Board has decided to pay, on 30th April 1999, a second interim dividend
for 1998 of 27.5p per ordinary share, in respect of shares registered in the
books of the Company at the close of business on 26th February 1999.
The total distribution on the ordinary shares for 1998 is 43.0p
(1997: 37.0p).
For qualifying US and Canadian resident ADR holders, the second interim
dividend of 27.5p per ordinary share becomes 110p per ADS (representing four
shares). The ADR depositary will mail the dividend on 30th April 1999 to
ADR holders on record on 26th February 1999.
For qualifying Japanese shareholders, the second interim dividend of 27.5p
per share will be distributed in May to shareholders on record on 26th
February 1999.
Foreign shareholders previously eligible for repayment of a part of the UK
tax credit under the 'G' and 'H' arrangements will be sent a letter
explaining the consequences to them of the changes caused by the abolition
of ACT in respect of dividend payments after 5th April 1999.
Shareholders may have their dividends reinvested in Barclays PLC shares by
participating in the Dividend Reinvestment Plan. The plan is available to
all shareholders provided that they do not live in or are subject to the
jurisdiction of any country where their participation in the plan would
require Barclays or the plan administrator to take action to comply with local
government or regulatory procedures or any similar formalities. Any
shareholder wishing to obtain details of the plan and a mandate form should
contact The Plan Administrator to Barclays, PO Box 82, Caxton House, Redcliffe
Way, Bristol, BS99 7FA. Those wishing to participate for the first time in
the plan should send their completed mandate form to the plan administrator
before 9th April 1999 for it to be applicable to the payment of the second
interim dividend on 30th April 1999. Existing participants should take no
action unless they wish to alter their current mandate instructions in
which case they should contact the plan administrator.
MORE TO FOLLOW
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