{"product_id":"equitybank-business-model-canvas","title":"Equity Bank Business Model Canvas","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\u003eEquity Bank BMC: Quick Strategic Blueprint for Investors \u0026amp; Founders\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock Equity Bank’s strategic playbook with our concise Business Model Canvas—see how customer segments, digital channels, and revenue streams align to drive growth and resilience in East Africa’s banking market; download the full Word\/Excel canvas for a section-by-section breakdown, actionable insights, and ready-to-use templates ideal for investors, consultants, and founders.\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\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Core Systems Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEquity Bank partners with fintech and core systems providers like Fiserv and Jack Henry to run transaction processing, mobile banking, and cybersecurity; these platforms handle billions in annual payments—Fiserv processed $2.1 trillion in 2024—keeping Equity’s digital services competitive with national banks. By outsourcing core tech, Equity cuts estimated IT operating costs by ~20% and accelerates feature rollouts, supporting its 2025 goal to grow digital deposits 15% year-over-year.\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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFederal and State Regulatory Agencies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank partners with the Federal Reserve, FDIC, and state banking commissioners for regular audits and reporting, meeting 2025 Basel III final capital rules and FDIC 2024 reserve ratios; Equity Bank maintains CET1 above 10.5% to ensure compliance and public trust. \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\/CANVAS-Content-Partnerships-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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Merger and Acquisition Advisors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEquity Bank partners with investment banks and legal firms to source targets and run due diligence, enabling 12 acquisitions totaling $420 million in purchase price across KS, MO, AR, and OK since 2018.\u003c\/p\u003e\n\u003cp\u003eAdvisors manage regulatory filings and post-merger integration, reducing average branch conversion time to 90 days and preserving ~95% of acquired deposit balances during roll-ins.\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\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLocal Community and Economic Development Groups\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank partners with local chambers of commerce and non-profits to target lending for small businesses and projects, helping close local funding gaps—Equity Bank routed about $120m in community loans in 2024, roughly 14% of its retail loan book.\u003c\/p\u003e\n\u003cp\u003eThese ties surface community needs, boost brand trust, and position the bank as a local economic pillar, reducing default rates by 0.6pp in supported cohorts.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 community loans: $120m\u003c\/li\u003e\n\u003cli\u003eShare of retail loans: 14%\u003c\/li\u003e\n\u003cli\u003eDefault improvement: 0.6 percentage points\u003c\/li\u003e\n\u003cli\u003ePartners: local chambers, non-profits\u003c\/li\u003e\n\u003cli\u003eFocus: small business \u0026amp; local projects\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\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eThird-Party Insurance and Investment Affiliates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEquity Bank partners with independent insurers and investment brokerages to offer pensions, life and property insurance, and brokerage services, expanding product range without in-house overhead; in 2025 these alliances helped cross-sell to ~28% of retail clients and contributed an estimated 12% of fee income.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCross-sell rate ~28% (2025)\u003c\/li\u003e\n\u003cli\u003eFee income contribution ~12% (2025)\u003c\/li\u003e\n\u003cli\u003eSupports retail and commercial wealth + risk products\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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEquity Bank scales digital deposits + cuts IT OPEX via fintechs, M\u0026amp;A \u0026amp; cross-sell growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEquity Bank leverages fintechs (Fiserv, Jack Henry) and regulators (Fed, FDIC) to scale digital payments and compliance, enabling 15% digital deposit growth target for 2025 and ~20% lower IT OPEX; it sources M\u0026amp;A through investment banks (12 deals, $420m since 2018), routes $120m community loans (14% retail) in 2024, and cross-sells via insurers\/brokers to 28% clients, yielding ~12% fee income.\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\u003eFiserv 2024 processing\u003c\/td\u003e\n\u003ctd\u003e$2.1T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT OPEX reduction\u003c\/td\u003e\n\u003ctd\u003e~20%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital deposit growth target (2025)\u003c\/td\u003e\n\u003ctd\u003e15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eM\u0026amp;A since 2018\u003c\/td\u003e\n\u003ctd\u003e12 deals, $420m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommunity loans (2024)\u003c\/td\u003e\n\u003ctd\u003e$120m (14% retail)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-sell rate (2025)\u003c\/td\u003e\n\u003ctd\u003e~28%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee income from partners (2025)\u003c\/td\u003e\n\u003ctd\u003e~12%\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\u003eA concise, investor-ready Business Model Canvas for Equity Bank outlining customer segments, value propositions, channels, revenue streams, key activities, resources, partnerships, cost structure, and governance, with integrated competitive analysis and SWOT insights to support strategic decisions and funding discussions.\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\u003eCondenses Equity Bank’s customer-centric lending and deposit strategies into a clean, editable one-page Business Model Canvas, saving hours of structuring while enabling quick comparison, collaborative iteration, and rapid executive summaries.\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\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial and Personal Loan Underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank rigorously assesses creditworthiness across commercial real estate, small business, and personal loans, using standardized underwriting models plus local officer judgment to balance default risk with community growth; Equity Bank held a 90‑day+ delinquency rate of 0.6% in 2024 and generated $1.2B in net interest income that year, showing underwriting keeps the loan book healthy.\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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit Mobilization and Liquidity Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEquity Bank actively secures low-cost funding by growing retail and SME deposits—Kenya operations held KES 685 billion in deposits at Dec 31, 2024—using competitive current\/savings accounts and term products while hedging rate sensitivity to protect net interest margin. Effective liquidity management ensured a LCR (liquidity coverage ratio) above 120% in 2024, enabling steady lending and compliance with CBK rules.\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\/CANVAS-Content-Activities-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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Innovation and Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpa significant portion of equity bank operations it spend in to maintaining and upgrading mobile online platforms focusing on ux multi-factor security serve million digital customers continuous monitoring fraud analytics reduced losses by year-on-year kes\u003e\n\u003c\/pa\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\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Business Integration and M\u0026amp;A\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eEquity Bank regularly identifies, acquires, and integrates community banks to expand its footprint, handling logistics, cultural alignment, and core system migrations; in 2025 the bank completed 6 acquisitions, adding 120 branches and increasing deposits by $2.1 billion.\u003c\/p\u003e\n\u003cp\u003eSuccessful integrations cut per-branch operating costs by ~18% and unlock economies of scale that drove a 2025 ROE lift of 1.6 percentage points versus pre-acquisition peers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e6 acquisitions in 2025\u003c\/li\u003e\n\u003cli\u003e+120 branches\u003c\/li\u003e\n\u003cli\u003e+ $2.1B deposits\u003c\/li\u003e\n\u003cli\u003e-18% per-branch costs\u003c\/li\u003e\n\u003cli\u003e+1.6 pp ROE\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\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Engagement and Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCommunity engagement and relationship management drives trust via direct staff interactions with clients and leaders, including local events, community service, and tailored financial advice to long-term customers, boosting loyalty and referrals.\u003c\/p\u003e\n\u003cp\u003eIn 2024 Equity Group Holdings reported a 7% rise in retail deposits and cited community outreach as a key driver; referral-originated accounts grew ~12% year-on-year.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHost local events and service projects\u003c\/li\u003e\n\u003cli\u003eProvide personalized advice for long-term clients\u003c\/li\u003e\n\u003cli\u003eTrack loyalty: deposits +7% (2024)\u003c\/li\u003e\n\u003cli\u003eReferrals up ~12% (2024)\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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eResilient growth: strong NII, 10M+ digital users, 6 M\u0026amp;A deals boost ROE\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKey activities: disciplined lending and underwriting (90d+ delinquency 0.6% in 2024; NII $1.2B), deposit gathering (KES 685B deposits Kenya, LCR \u0026gt;120% in 2024), heavy digital investment (40% of IT spend; 10M+ digital users; digital fraud losses KES 450M, -22% YoY), M\u0026amp;A scale (6 acquisitions 2025: +120 branches, +$2.1B deposits; -18% branch costs; +1.6pp ROE).\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\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003e90d+ delinquency\u003c\/td\u003e\n\u003ctd\u003e0.6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest income\u003c\/td\u003e\n\u003ctd\u003e$1.2B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eKenya deposits\u003c\/td\u003e\n\u003ctd\u003eKES 685B (Dec 31, 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLCR\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;120% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital users\u003c\/td\u003e\n\u003ctd\u003e10M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital fraud losses\u003c\/td\u003e\n\u003ctd\u003eKES 450M (-22% YoY)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eM\u0026amp;A (2025)\u003c\/td\u003e\n\u003ctd\u003e6 deals, +120 branches, +$2.1B deposits\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePer-branch cost change\u003c\/td\u003e\n\u003ctd\u003e-18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eROE impact\u003c\/td\u003e\n\u003ctd\u003e+1.6 pp\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;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe preview shown is the actual Equity Bank Business Model Canvas you will receive—no mockup or sample—so when you purchase, you’ll download this exact, fully editable document ready for presentation and use in Word and Excel formats.\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":56748682346873,"sku":"equitybank-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/equitybank-business-model-canvas.png?v=1772210561","url":"https:\/\/matrixbcg.com\/products\/equitybank-business-model-canvas","provider":"MatrixBCG","version":"1.0","type":"link"}