{"product_id":"axosfinancial-swot-analysis","title":"Axos Financial SWOT Analysis","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eYour Strategic Toolkit Starts Here\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eAxos Financial’s resilient digital-first banking model, strong deposit growth, and niche mortgage capabilities position it well amid rising competition, though margin pressure and regulatory scrutiny pose clear risks; our full SWOT unpacks these dynamics with financial context and strategic implications. Purchase the complete SWOT analysis to receive a polished, editable Word report and bonus Excel matrix—ready for presentations, planning, or investment decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003etrengths\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital-First Operational Efficiency\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAxos Financial’s branchless model cuts overhead, yielding an efficiency ratio around 45% in Q3 2025 versus ~60% for regional banks, freeing cash to fund tech and higher depositor rates.\u003c\/p\u003e\n\u003cp\u003eThis reinvestment supported a net interest margin of ~3.2% and allowed deposit yields 25–75 bps above peers, boosting retail growth without physical costs.\u003c\/p\u003e\n\u003cp\u003eThe lean structure raised ROE to ~12.5% in 2025, giving pricing flexibility and higher profit margins across digital platforms.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDiversified Revenue Streams\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAxos has diversified from retail banking into securities clearing, custody, and asset management, raising fee-based revenue to 39% of total non‑interest income in 2025 and reducing reliance on net interest margin swings.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRobust Technology Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAxos uses a proprietary tech stack and cloud-native architecture to roll out new products quickly and plug in third-party services; this supported a 28% deposit growth in 2024 and helped keep efficiency ratio near 35% in FY2024. The scalable setup lets user growth rise without matching OPEX increases, while data analytics sharpen credit underwriting—cutting charge-offs by ~15% year-over-year—and personalize UX. By end-2025, continued investment cemented Axos as a digital-banking leader.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNiche Lending Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAxos Financial has strengthened its niche lending position by focusing on jumbo mortgages and commercial real estate, producing higher yields—net interest margin 3.45% in 2024—and loan growth of 12% year-over-year to $38.1B as of Q4 2024.\u003c\/p\u003e\n\u003cp\u003eThe bank uses advanced, manual-heavy underwriting to price complex credits accurately, keeping non-performing assets low at 0.42% in 2024, creating a durable moat versus larger automated lenders.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eJumbo \u0026amp; CRE focus\u003c\/li\u003e\n\u003cli\u003eNIM 3.45% (2024)\u003c\/li\u003e\n\u003cli\u003eLoans $38.1B (Q4 2024)\u003c\/li\u003e\n\u003cli\u003eNPAs 0.42% (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Capital Position\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAxos consistently holds CET1 and total risk-based capital ratios above regulatory minimums—CET1 ~12.5% and total capital ~15.0% in Q3 2025—giving scope for organic growth and targeted acquisitions.\u003c\/p\u003e\n\u003cp\u003eThis strong balance sheet boosts institutional investor confidence and provided ~USD 1.2bn liquidity headroom during 2023–25 market dislocations, enabling opportunistic asset purchases.\u003c\/p\u003e\n\u003cp\u003eDisciplined capital allocation lets Axos sustain quarterly dividends and $200–300m share repurchase capacity while funding tech and product innovation.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eQ3 2025 CET1 ~12.5%\u003c\/li\u003e\n\u003cli\u003eTotal capital ~15.0%\u003c\/li\u003e\n\u003cli\u003eLiquidity headroom ~USD 1.2bn (2023–25)\u003c\/li\u003e\n\u003cli\u003eRepurchase capacity $200–300m\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Strengths-Lightning-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAxos: Branchless efficiency fuels 28% deposit growth, 12.5% ROE, low NPAs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAxos’ branchless, cloud-native model drove efficiency ratios ~35–45% (FY2024–Q3 2025), NIM ~3.2–3.45%, ROE ~12.5%, and 28% deposit growth in 2024, while fee income rose to 39% of non‑interest revenue and NPAs stayed low at 0.42% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eEfficiency ratio\u003c\/td\u003e\n\u003ctd\u003e35–45%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e3.2–3.45%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eROE\u003c\/td\u003e\n\u003ctd\u003e~12.5%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposit growth (2024)\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee share\u003c\/td\u003e\n\u003ctd\u003e39%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPAs (2024)\u003c\/td\u003e\n\u003ctd\u003e0.42%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eDelivers a strategic overview of Axos Financial’s internal strengths and weaknesses along with external opportunities and threats to assess its competitive position and future risks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eDelivers a concise SWOT matrix for Axos Financial, enabling rapid strategic alignment and clear communication across investor and executive presentations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eW\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eeaknesses\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigher Cost of Funds\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs a digital-only bank without a legacy low-cost checking base, Axos leans on high-yield savings and CDs to gather deposits, raising its cost of funds versus big banks with large non-interest-bearing deposits; at Q3 2025 Axos reported interest-bearing deposits at 92% of total deposits, higher than industry average of ~70%.\u003c\/p\u003e\n\u003cp\u003eWhen rates rose in 2022–2024, Axos’ deposit beta climbed faster, compressing net interest margin to 2.15% in FY 2024 versus 2.9% for top national banks; managing that spread is key to preserving profitability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLimited Physical Brand Presence\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eDespite strong digital growth—Axos reported $13.4 billion in deposits and $4.2 billion in loans as of FY2024—the lack of physical branches limits reach to customers who prefer face-to-face advice for complex wealth needs.\u003c\/p\u003e\n\u003cp\u003eThis gap can weaken trust with older cohorts and high-net-worth clients who favor local relationship managers, a segment that represented about 18% of U.S. bank deposits in 2023.\u003c\/p\u003e\n\u003cp\u003eWithout ubiquitous signage in major metro areas, Axos risks lower top-of-mind awareness versus branch-heavy rivals, forcing higher marketing spend; digital customer acquisition costs for neobanks averaged $250–$350 per account in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eConcentration in Real Estate\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRelying heavily on real estate, Axos holds about 62% of loans in mortgage-related categories—notably jumbo residential and multi-family commercial—so a housing downturn or regional job losses would hit credit quality and net interest income hard.\u003c\/p\u003e\n\u003cp\u003eEven with strict underwriting and Q4 2025 CET1 at 10.8% (pro forma), a systemic price drop could force larger loan-loss provisions and compress ROE; shifting toward C\u0026amp;I and consumer lending is underway but remains incomplete.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDependency on Third-Party Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAxos relies on third-party partners for customer acquisition and backend tech, exposing it to operational risk if partners change terms or face outages; in 2024 Axos reported 18% of deposits sourced via digital partners, showing material exposure.\u003c\/p\u003e\n\u003cp\u003ePartner fees compress margins—Axos disclosed 2024 technology and servicing costs up 12% year-over-year—while reduced control over UX can hurt retention; integrating systems seamlessly and cutting dependency is a top internal priority.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e18% deposits via digital partners (2024)\u003c\/li\u003e\n\u003cli\u003eTech\/servicing costs +12% YoY (2024)\u003c\/li\u003e\n\u003cli\u003eHigher outage\/term-change operational risk\u003c\/li\u003e\n\u003cli\u003eLimited end-to-end UX control\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand Recognition Gaps\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAxos Financial lacks household-name status in 2025, trailing major banks and fintech unicorns despite $24.6B in assets under management (2024 year-end) and niche strength with online borrowers and investors.\u003c\/p\u003e\n\u003cp\u003eThis weaker brand equity limits cross-sell potential across banking, securities, and advisory lines and raises customer-acquisition costs versus incumbents and VC-backed challengers.\u003c\/p\u003e\n\u003cp\u003eBuilding a cohesive identity across arms remains a strategic execution risk as Axos seeks broader retail traction.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 assets: $24.6B\u003c\/li\u003e\n\u003cli\u003eHousehold awareness: low vs. Big Four and top fintechs\u003c\/li\u003e\n\u003cli\u003eHigher CAC for broad retail push\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/SWOT-Content-Weaknesses-Cloud-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAxos' high-cost deposits, mortgage concentration and partner reliance squeeze margins\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eAxos’ digital-only funding raises cost of deposits (92% interest-bearing at Q3 2025 vs ~70% industry), compressing NIM to 2.15% in FY2024; heavy mortgage exposure (62% loans) raises credit risk; partner-dependence (18% deposits via partners, tech costs +12% YoY 2024) increases operational risk; weak brand (2024 assets $24.6B) limits cross-sell and raises CAC.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eInterest-bearing deposits\u003c\/td\u003e\n\u003ctd\u003e92% (Q3 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest margin\u003c\/td\u003e\n\u003ctd\u003e2.15% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgage-related loans\u003c\/td\u003e\n\u003ctd\u003e62%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits via partners\u003c\/td\u003e\n\u003ctd\u003e18% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech\/servicing cost growth\u003c\/td\u003e\n\u003ctd\u003e+12% YoY (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAssets\u003c\/td\u003e\n\u003ctd\u003e$24.6B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eSame Document Delivered\u003c\/span\u003e\u003cbr\u003eAxos Financial SWOT Analysis\u003c\/h2\u003e\n\u003cp\u003eThis is the actual SWOT analysis document you’ll receive upon purchase—no surprises, just professional quality.\u003c\/p\u003e\n\u003cp\u003eThe preview below is taken directly from the full SWOT report you'll get. Purchase unlocks the entire in-depth version.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56752844898681,"sku":"axosfinancial-swot-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/axosfinancial-swot-analysis.png?v=1772246422","url":"https:\/\/matrixbcg.com\/products\/axosfinancial-swot-analysis","provider":"MatrixBCG","version":"1.0","type":"link"}