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AS LHV Group
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529900JG015JC10LED24
Emitendi suuruskategooria
Suur kontsern
Majandustegevusalad
Finants- ja kindlustustegevus
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Krediidiasutus
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Eesti
Üldandmed
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Muud korporatiivtoimingud
Teate ID
18197
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Esitamise kuupäev ja aeg
12.02.2026 08:00:01
Teate sisu eesti keeles
Pealkiri
LHV Groupi 2026. aasta finantsplaan ja viie aasta finantsprognoos
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2026. aastal keskendub LHV Group ärimahtude ja kliendiaktiivsuse jätkuvale kasvatamisele ning varasemast efektiivsemale tegutsemisele. Kogutulu kasvab ligikaudu 9%, mida toetab nii netointressitulu suurenemine kui ka tugev teenustasutulu kasv. Kulud kasvavad tuludest aeglasemalt, võimaldades äritegevuse kasumlikkusel marginaalselt kasvada, samas kui laenude allahindluste kulu normaliseerub pärast erakordselt madalat 2025. aastat. Puhaskasum püsib seetõttu sarnasel tasemel eelmise aastaga. Laenuportfell kasvab üle 11% ja hoiused enam kui 5%, kinnitades LHV tugevat positsiooni nii jae- kui äriklientide seas. Netointressitulu on käesoleval aastal küll kasvamas, kuid selle mõju on väiksem, mistõttu jääb puhaskasum 2026. aastal ligikaudu eelmise aasta tasemele, kuid paranenud efektiivsus ja kasvav äritegevus loovad tugeva aluse kasumlikkuse ning omanikutootluse kiirenemiseks järgnevatel aastatel. Võtmenäitajad 2025 FP 2026 ? ------------------------------------------------------------------------------- Neto intressitulu (miljonit eurot) 235,1 252,9 8% ------------------------------------------------------------------------------- Neto teenutasutulu (miljonit eurot) 63,3 77,8 23% ------------------------------------------------------------------------------- Netotulud kokku (miljonit eurot) 304,8 333,6 9% ------------------------------------------------------------------------------- Maksude-eelne kasum (miljonit eurot) 144,0 147,1 2% ------------------------------------------------------------------------------- Puhaskasum (miljonit eurot) 117,0 117,9 1% ------------------------------------------------------------------------------- Hoiused (miljonit eurot) 8134 8577 5% ------------------------------------------------------------------------------- Laenud (miljonit eurot) 5465 6082 11% ------------------------------------------------------------------------------- Fondide maht (miljonit eurot) 1702 1898 12% ------------------------------------------------------------------------------- Finantsvahendajatega seotud maksete arv (mln tk) 86 93 8% ------------------------------------------------------------------------------- Kulu/tulu suhe (%) 52,3% 51,3% -0,9 pp ------------------------------------------------------------------------------- ROE* (tulumaksueelne; omanike osa) (%) 19,9% 18,7% -1,2 pp ------------------------------------------------------------------------------- ROE* (puhaskasumilt; omanike osa) (%) 16,1% 15,0% -1,2 pp ------------------------------------------------------------------------------- Kapitali adekvaatsus (%) 22,8% 20,9% -2,0 pp * Arvutatud perioodi kuu lõpu keskmiste omakapitali mahtude alusel LHV Pank LHV Panga finantsprognoosi keskmes on kvaliteedile ja tootlusele fokusseeritud kasv. Laenuportfell suureneb ligikaudu 4%, mida veavad eeskätt eluasemelaenud ning SME- ja ärilaenude kasv. Hoiuste struktuur muutub stabiilsemaks ja kasumlikumaks, kus suurima osana regulaarsete klientide nõudmiseni hoiused kasvavad ligi 16%, kompenseerides teadlikku taandumist finantsvahendajate ja platvormide hoiustest. Hoiuste tase tervikuna püsib sarnasel tasemel eelmise aastaga. Tulude poolel kasvab kogutulu üle 10%, mida toetab mõõdukas netointressitulu kasv ja tugev ligi 30% teenustasutulu kasv, peegeldades klientide aktiivsuse suurenemist ning uute klientide lisandumist maksete, FX-, investeerimis- ja kaarditeenuste vallas. Kulud kasvavad tuludest aeglasemalt, võimaldades kulude- tulude suhtel paraneda 42,7%-lt 41,8%-ni, samas kui riskikulu püsib madalal tasemel. LHV Bank LHV Banki finantsprognoos 2026. aastaks näitab kiirenevat kasvu, kus ärimahud ja tulubaas laienevad kiiremini kui kulud. Hoiused kasvavad ligikaudu 37%, peegeldades tugevat jaemüügi kasvu ning stabiilset nõudlust tähtajaliste hoiuste järele, samal ajal kui laenuportfell suureneb enam kui 50%, liikudes sihipäraselt 1 miljardi euro taseme suunas. Tulude poolel kasvab kogutulu ligi 20%, mida toetab tugev netointressitulu kasv ning kiire netoteenustasutulu kasv, mis ennekõike tuleneb teenustasukulude vähenemisest seoses maksete kogumise teenuse lõpetamisega. Kulud kasvavad tuludest aeglasemalt ning kulude-tulude suhe paraneb 83%-lt 77%-ni, kinnitades operatiivse efektiivsuse paranemist. Selle tulemusena suureneb maksueelne kasum ligikaudu 68% ja puhaskasum ligi 80%, mis teeb 2026. aastast selge murranguaasta LHV Banki kasumlikkuse teekonnal ning loob tugeva aluse edasiseks omakapitali tootluse paranemiseks järgnevatel aastatel. LHV Varahaldus 2026. aastal prognoosib LHV Varahaldus selget kasumlikkuse ja mahu kasvu, mida veavad fonditootlused ja klientide arvu kasv. Fondimahud kasvavad ligikaudu 12%. See peegeldab nii konkurentsivõimelisi tootlusi kui ka edukamat müügi- ja ristmüügimudelit. Tulude poolel kasvab kogutulu üle 22%. Kulud kasvavad kontrollitult, ilma FTE-de arvu suurenemiseta, võimaldades kulude-tulude suhtel paraneda 61,1%-lt 58,4%-ni. Selle tulemusena kasvab maksueelne kasum ligi 30% ja puhaskasum üle 20%. LHV Kindlustus LHV Kindlustuse sõlmitud lepingute preemiad on tänavu planeeritud kasvama 12% ja ulatuvad 48 miljoni euroni. Kasv tugineb eeskätt ristmüügile LHV Groupi siseselt ning digitaalsetele mobiili- ja veebikanalitele. Kahjusagedus püsib stabiilsena või veidi madalamal kui 2025. aastal, hoides kahjusuhte kontrolli all. Tegevuskulude kasv 2026. aastal on planeeritud ligikaudu 12%, mis on kooskõlas portfelli ja preemiate mahu kasvuga. Valdav osa kulude suurenemisest tuleneb grupisisestest teenustest ja kulude jagamisest. Finantsprognoos 2026-2030 LHV Groupi 2026-2030 finantsprognoos põhineb mõõdukalt paraneval makromajanduslikul keskkonnal nii Eestis kui Ühendkuningriigis, kus majanduskasv stabiliseerub ja inflatsioon normaliseerub ligikaudu 2-2,5% tasemele. Eestis eeldatakse majanduskasvu kiirenemist alates 2026. aastast koos tööturu järkjärgulise paranemisega, samas kui Ühendkuningriigis kujuneb kasv tagasihoidlikumaks, kuid stabiilseks, toetades järjepidevat laenu ja hoiuste tegevust. Konkurents pangandusturgudel püsib tugev, eriti laenude ja hoiuste segmendis, mis rõhutab efektiivsuse ning distsiplineeritud hinnastamise olulisust. Selles raamistikus prognoosib LHV Group kogutulu kasvu ligikaudu 305 miljonilt eurolt 2025. aastal ligi 593 miljoni euroni 2030. aastaks, mida toetab nii netointressitulu kui ka teenustasutulu kasv. Ärimahud suurenevad peaaegu kaks korda: netolaenud kasvavad ligikaudu 5,5 miljardilt eurolt üle 10 miljardi euro, hoiused 8,1 miljardilt eurolt ligi 12,8 miljardi euroni ja varahaldusmahud 1,7 miljardilt eurolt üle 3 miljardi euro tasemele. Kulude kasv jääb tulude kasvust selgelt aeglasemaks, võimaldades kulude-tulude suhtel paraneda üle 50% tasemelt ligikaudu 36%-ni perioodi lõpuks. Kasumlikkuse vaates peegeldub see kõik ka puhaskasumi, mis perioodi lõpuks on prognoositud kahekordistuma 290 miljoni euroni ja omakapitali tootluses, kus ROE tõuseb ligikaudu 16% tasemelt üle 23% 2030. aastaks. Võtmenäitajad FP2026 FP2027 FP2028 FP2029 FP2030 ------------------------------------------------------------------------------- Neto intressitulu (miljonit eurot) 252,9 315,1 362,9 409,4 464,4 ------------------------------------------------------------------------------- Neto teenutasutulu (miljonit eurot) 77,8 90,8 97,0 107,1 117,7 ------------------------------------------------------------------------------- Netotulud kokku (miljonit eurot) 333,6 410,0 466,2 525,1 593,4 ------------------------------------------------------------------------------- Maksude-eelne kasum (miljonit eurot) 147,1 217,5 257,2 303,3 358,7 ------------------------------------------------------------------------------- Puhaskasum (miljonit eurot) 117,9 176,1 207,6 245,1 290,2 ------------------------------------------------------------------------------- Hoiused (miljonit eurot) 8 577 9 562 10 512 11 607 12 814 ------------------------------------------------------------------------------- Laenud (miljonit eurot) 6 082 7 083 8 067 9 152 10 147 ------------------------------------------------------------------------------- Fondide maht (miljonit eurot) 1 898 2 164 2 447 2 748 3 067 ------------------------------------------------------------------------------- Finantsvahendajatega seotud maksete arv (mln tk) 93 108 119 131 144 ------------------------------------------------------------------------------- Kulu/tulu suhe 51,3% 43,1 40,9 38,2 35,8 ------------------------------------------------------------------------------- ROE (tulumaksueelne; omanike osa) 18,7% 24,7 26,0 27,4 28,9 ------------------------------------------------------------------------------- ROE* (puhaskasumilt; omanike osa) 15,0% 20,0 21,0 22,1 23,4 ------------------------------------------------------------------------------- Kapitali adekvaatsus 20,9% 20,5 20,9 20,8 20,5 LHV Groupi juhatuse esimehe Mihkel Torimi kommentaar: "Eestis on LHV Panga fookus 2026. aastal kvaliteetsel ja mõõdukal kasvul. Ühendkuningriigis laenuportfelli enam kui 50%-line ja puhaskasumi ligi 80%-line oodatav kasv rajaneb juba mastaabi mõjule. LHV Varahaldus jätkab samuti tugeval kasumlikkuse kursil, kasvatades puhaskasumit üle 20%. LHV Kindlustuse kasv tuleb peamiselt meie oma kliendibaasi paremast teenindamisest läbi ristmüügi. Meie pikaajaline finantsprognoos tugineb kolmele sambale. Esiteks kasvatame ärimahtusid mõlemal koduturul. Teiseks arvestab meie plaan baasintressimäärade mõõduka tõusuga alates 2027. aastast. Kolmandaks, ja kõige olulisemalt, tegeleme pidevalt oma tegevuse tõhustamisega. Selle peamiseks veduriks on tehnoloogilise võimekuse kiire arendamine, mis ei ole passiivne ootus, vaid eeldab meilt sihipäraseid ja läbimõeldud muutuseid." AS-i LHV Group aruanded on saadaval aadressil: https://investor.lhv.ee/aruanded (https://investor.lhv.ee/aruanded/). Majandustulemuste tutvustamiseks korraldab LHV Group veebiseminari Teams keskkonna kaudu. Virtuaalne investorkohtumine toimub 12. veebruaril kell 9.00. Esitlus tehakse eesti keeles. Palume registreeruda siin (https://events.teams.microsoft.com/event/adb8e207-2d5d-43da-b719- cccae40bff6f@d7b2bdd1-6077-4f89-8708-6956b8db8f1a). LHV Group on suurim kodumaine finantskontsern ja kapitali pakkuja Eestis. LHV Groupi peamised tütarettevõtted on LHV Pank, LHV Varahaldus, LHV Kindlustus ja LHV Bank Limited. Grupi ettevõtetes töötab ligi 1 200 inimest. LHV Panga teenuseid kasutab detsembri lõpu seisuga 492 000 klienti, LHV hallatavatel II samba pensionifondidel on 106 000 aktiivset klienti ja LHV Kindlustusega on kaitstud 231 000 klienti. Groupi tütarettevõte LHV Bank omab Ühendkuningriigi pangalitsentsi ning pakub pangateenuseid rahvusvahelistele finantstehnoloogia ettevõtetele ja laenusid väikese ja keskmise suurusega ettevõtetele. Investorsuhted Sten Hans Jakobsoo Investorsuhete ja ettevõtte arenduse juht E-post: [email protected] (mailto:[email protected]) Meedia ja kommunikatsioon Paul Pihlak Kommunikatsioonijuht E-post: [email protected] (https://www.globenewswire.com/Tracker?data=PXnBlH5t6_HC1z82_Z3UsH7zv7KOSM8YVbgt PKWuIsRJGSbdHHAVo- UpoTDj1sSYrEcI6XlNUUd7fCxFuOQG7G2k5m1j3_QljrNfu7XuWdPT6MeZjt1jQrQOUwLzE7pnpmw8MK - D1dc4IMGhr77Fn5D1F9ldCNTtts0KKhscScMB9O3bx1DM7Wqq6lcYSAhQF883YaJA3Pdd6LgeQ1E0Mnp N_sPbfNd0k4qA4MDF3w_Vwt3B9HqaK0nrThGOQeduOT-wQJMn0XfPLwI1i4dT8URfHvAa- C0yg2hRblcLUhR1U58mtE_BuLzjdhEjwMqHs3RdtjhZlTbk9eM_n- LbG2l_20XlqhZXTiCV6E7D3NepknqMuFpH0fx2YbEn0vmglTPIyFIa7dtp30l6gsC8ddV-vcVVN- uJ1k8PJujZPEKGb67r5rjB7qbIKLUSqrbpmwz4gK5XIDg3T19fNoFbf21cPfkgODCIFckgvLm_C3b6vx hOEe80lFlF7TTnNVoA)
Teate sisu inglise keeles
Pealkiri
LHV Group financial plan for 2026 and the five-year financial forecast
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In 2026, LHV Group will focus on continued growth in business volumes and customer activity, alongside improved operational efficiency. Total income is expected to increase by approximately 9%, supported by growth in net interest income and strong growth in net fee and commission income. Expenses are projected to grow more slowly than income, allowing operating profitability to improve marginally, while loan loss provisions are expected to normalise following the exceptionally low level in 2025. As a result, net profit is forecasted to remain broadly at the level of the previous year. The loan portfolio is expected to grow by over 11% and deposits by more than 5%, reflecting LHV's strong position among both retail and corporate customers. Although net interest income is growing this year, its impact is more moderate, meaning net profit in 2026 will remain close to last year's level. At the same time, improved efficiency and expanding business volumes provide a strong foundation for accelerating profitability and return on equity in the coming years. Key indicators 2025 FP 2026 ? ------------------------------------------------------------------------------- Net interest income (EURm) 235.1 252.9 8% ------------------------------------------------------------------------------- Net fee and commission income (EURm) 63.3 77.8 23% ------------------------------------------------------------------------------- Total income (EURm) 304.8 333.6 9% ------------------------------------------------------------------------------- Profit before tax (EURm) 144.0 147.1 2% ------------------------------------------------------------------------------- Net profit (EURm) 117.0 117.9 1% ------------------------------------------------------------------------------- Deposits (EURm) 8,134 8,577 5% ------------------------------------------------------------------------------- Loans (EURm) 5,465 6,082 11% ------------------------------------------------------------------------------- Assets under management (EURm) 1,702 1,898 12% ------------------------------------------------------------------------------- Number of payments related to financial intermediaries (million pcs) 86 93 8% ------------------------------------------------------------------------------- Cost/income ratio 52.3% 51.3% -0.9 pp ------------------------------------------------------------------------------- ROE* (before tax; owners' share) 19.9% 18.7% -1.2 pp ------------------------------------------------------------------------------- ROE* (from net profit; owners' share) 16.1% 15.0% -1.2 pp ------------------------------------------------------------------------------- Capital adequacy 22.8% 20.9% -2.0 pp *Calculated on the basis of the average end-of-month equity volumes LHV Pank LHV Pank's financial outlook is centred on quality-focused and return-oriented growth. The loan portfolio is expected to increase by approximately 4%, driven primarily by home loans and growth in SME and corporate lending. The structure of deposits will become more stable and profitable, with demand deposits from regular customers increasing by nearly 16%, offsetting a deliberate reduction in deposits from financial intermediaries and platforms. Overall deposit volumes are expected to remain broadly in line with the previous year. Total income is forecasted to grow by more than 10%, supported by moderate growth in net interest income and strong growth of nearly 30% in net fee and commission income, reflecting higher customer activity and growth in the customer base across payments, FX, investment and card services. Expenses are expected to grow more slowly than income, allowing the cost-to-income ratio to improve from 42.7% to 41.8%, while credit risk costs remain at a low level. LHV Bank LHV Bank's financial forecast for 2026 indicates accelerated growth, with business volumes and income expanding faster than costs. Deposits are expected to grow by approximately 37%, reflecting strong retail growth and continued demand for term deposits. The loan portfolio is expected to increase by more than 50%, moving purposefully towards the EUR 1 billion level. Total income is projected to grow by nearly 20%, supported by strong growth in net interest income and rapid growth in net fee and commission income, mainly due to lower service fee expenses following the termination of the payment collection service. Expenses are expected to grow more slowly than income, and the cost-to-income ratio is projected to improve from 83% to 77%, reflecting enhanced operational efficiency. As a result, profit before tax is expected to increase by approximately 68% and net profit by nearly 80%, making 2026 a clear breakthrough year in LHV Bank's profitability trajectory and creating a strong basis for further improvement in return on equity in the coming years. LHV Varahaldus In 2026, LHV Varahaldus forecasts clear growth in profitability and volumes, driven by fund returns and growth in the number of customers. Assets under management are expected to increase by approximately 12%, supported by competitive returns and a more effective sales and cross-selling model. Total income is expected to grow by over 22%. Expenses will grow in a controlled manner, without an increase in the number of FTEs, allowing the cost-to-income ratio to improve from 61.1% to 58.4%. As a result, profit before tax is expected to grow by nearly 30% and net profit by over 20%. LHV Kindlustus Gross written premiums of LHV Kindlustus are expected to grow by 12% in 2026, reaching EUR 48 million. Growth is primarily driven by cross-selling within LHV Group and digital mobile and web channels. Claims frequency is expected to remain stable or slightly below the level of 2025, keeping the loss ratio under control. Operating expenses in 2026 are planned to increase by approximately 12%, in line with portfolio and premium growth. The majority of the increase relates to intra-group services and cost allocations. Financial forecast for 2026-2030 LHV Group's financial forecast for 2026-2030 is based on a moderately improving macroeconomic environment in both Estonia and the United Kingdom. Economic growth is expected to stabilise and inflation to normalise at around 2-2.5%. In Estonia, economic growth is assumed to accelerate from 2026, supported by gradual labour market improvement, while in the United Kingdom growth is expected to remain modest but stable, supporting consistent lending and deposit activity. Competition in banking is expected to remain strong, particularly in loans and deposits, underlining the importance of efficiency and disciplined pricing. Within this framework, LHV Group forecasts total income to increase from nearly EUR 305 million in 2025 to over EUR 593 million by 2030, supported by growth in both net interest income and net fee and commission income. Key business volumes are expected to nearly double: net loans are projected to grow from approximately EUR 5.5 billion to over EUR 10 billion, deposits from EUR 8.1 billion to nearly EUR 12.8 billion and assets under management from EUR 1.7 billion to over EUR 3 billion. Expense growth is expected to remain clearly below income growth, allowing the cost-to-income ratio to improve from above 50% to approximately 36% by the end of the period. Net profit is projected to double over the period to EUR 290 million, while return on equity is expected to increase from approximately 16% to above 23% by 2030. Key indicators FP2026 FP2027 FP2028 FP2029 FP2030 ------------------------------------------------------------------------------- Net interest income (EURm) 252.9 315.1 362.9 409.4 464.4 ------------------------------------------------------------------------------- Net fee and commission income (EURm) 77.8 90.8 97.0 107.1 117.7 ------------------------------------------------------------------------------- Total income (EURm) 333.6 410.0 466.2 525.1 593.4 ------------------------------------------------------------------------------- Profit before tax (EURm) 147.1 217.5 257.2 303.3 358.7 ------------------------------------------------------------------------------- Net profit (EURm) 117.9 176.1 207.6 245.1 290.2 ------------------------------------------------------------------------------- Deposits (EURm) 8,577 9,562 10,512 11,607 12,814 ------------------------------------------------------------------------------- Loans (EURm) 6,082 7,083 8,067 9,152 10,147 ------------------------------------------------------------------------------- Assets under management (EURm) 1,898 2,164 2,447 2,748 3,067 ------------------------------------------------------------------------------- Number of payments related to financial intermediaries (million pcs) 93 108 119 131 144 ------------------------------------------------------------------------------- Cost/income ratio 51.3% 43.1% 40.9% 38.2% 35.8% ------------------------------------------------------------------------------- ROE* (before tax; owners' share) 18.7% 24.7% 26.0% 27.4% 28.9% ------------------------------------------------------------------------------- ROE* (from net profit; owners' share) 15.0% 20.0% 21.0% 22.1% 23.4% ------------------------------------------------------------------------------- Capital adequacy 20.9% 20.5% 20.9% 20.8% 20.5% *Calculated on the basis of the average end-of-month equity volumes Comment by Mihkel Torim, Chairman of the Management Board of LHV Group: "In Estonia, LHV Pank's focus in 2026 is on high-quality and measured growth. In the United Kingdom, the expected growth of more than 50% in the loan portfolio and nearly 80% in net profit is already supported by scale effects. LHV Varahaldus continues on a strong profitability trajectory, with net profit expected to grow by over 20%. Growth at LHV Kindlustus is primarily driven by improved service to our existing customer base through cross-selling. Our long-term financial forecast rests on three pillars. First, we will continue to grow business volumes in both of our home markets. Second, our plan assumes a moderate increase in base interest rates from 2027 onwards. Third, and most importantly, we are continuously improving operational efficiency. The main driver of this is the rapid development of our technological capabilities, which requires deliberate and well-considered transformation rather than passive expectation." The reports of AS LHV Group are available at: https://investor.lhv.ee/en/reports/ To introduce the financial results and the financial plan, LHV Group will organise a webinar via Microsoft Teams on 12 February at 13:00 (EET). The presentation will be held in English. Please register here (https://events.teams.microsoft.com/event/e7eac8fd-b0da- 4419-8ba1-7eff3b05bbab@d7b2bdd1-6077-4f89-8708-6956b8db8f1a). LHV Group is the largest domestic financial group and capital provider in Estonia. LHV Group's key subsidiaries are LHV Pank, LHV Varahaldus, LHV Kindlustus, and LHV Bank Limited. The Group employs approximately 1,200 people. As at the end of December, the services of LHV Pank are being used by 492,000 customers, the II pillar pension funds managed by LHV have 106,000 active customers, and LHV Kindlustus protects a total of 231,000 customers. LHV Bank Limited, a subsidiary of the Group, holds a banking licence in the United Kingdom and provides banking services to international financial technology companies, as well as loans to small and medium-sized enterprises. Investor relations Sten Hans Jakobsoo Head of Investor Relations and Corporate Development Email: [email protected] (mailto:[email protected]) Media and communications Paul Pihlak Head of Communications Email: [email protected] (https://www.globenewswire.com/Tracker?data=PXnBlH5t6_HC1z82_Z3UsH7zv7KOSM8YVbgt PKWuIsRJGSbdHHAVo- UpoTDj1sSYrEcI6XlNUUd7fCxFuOQG7G2k5m1j3_QljrNfu7XuWdPT6MeZjt1jQrQOUwLzE7pnpmw8MK - D1dc4IMGhr77Fn5D1F9ldCNTtts0KKhscScMB9O3bx1DM7Wqq6lcYSAhQF883YaJA3Pdd6LgeQ1E0Mnp N_sPbfNd0k4qA4MDF3w_Vwt3B9HqaK0nrThGOQeduOT-wQJMn0XfPLwI1i4dT8URfHvAa- C0yg2hRblcLUhR1U58mtE_BuLzjdhEjwMqHs3RdtjhZlTbk9eM_n- LbG2l_20XlqhZXTiCV6E7D3NepknqMuFpH0fx2YbEn0vmglTPIyFIa7dtp30l6gsC8ddV-vcVVN- uJ1k8PJujZPEKGb67r5rjB7qbIKLUSqrbpmwz4gK5XIDg3T19fNoFbf21cPfkgODCIFckgvLm_C3b6vx hOEe80lFlF7TTnNVoA)