{"product_id":"hbtfinancial-com-bcg-matrix","title":"HBT Financial Boston Consulting Group Matrix","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\u003eUnlock Strategic Clarity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eHBT Financial’s BCG Matrix preview highlights where key business units sit amid shifting market growth and relative share—revealing potential Stars driving future growth and Cash Cows funding operations. This snapshot flags Question Marks that need investment decisions and Dogs that may warrant divestment, offering a quick strategic compass. Dive deeper: purchase the full BCG Matrix to receive a comprehensive quadrant-by-quadrant breakdown, data-backed recommendations, and ready-to-use Word and Excel files that turn insight into action.\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\"\u003etars\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\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking and Mobile Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHBT Financial has poured $45M into digital infrastructure through 2024 and plans $12M more in 2025 to capture mobile-first banking; mobile active users rose 38% YoY to 112,000 in 2024.\u003c\/p\u003e\n\u003cp\u003eThis segment shows high growth: Illinois retail and commercial digital deposits grew 27% YoY, and digital transactions now represent 62% of total volume.\u003c\/p\u003e\n\u003cp\u003eWith a 15% regional market share in tech-savvy segments, HBT retains customers longer—average relationship length +18%—and defends against national digital-only challengers.\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\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Advisory Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe wealth management division is a Star, capturing ~28% market share in affluent northeastern Illinois suburbs and growing client AUM 22% YoY to $4.8B as of Dec 31, 2025.\u003c\/p\u003e\n\u003cp\u003eWith US intergenerational wealth transfers projected at $84T 2020–2045, fee-based advisory revenue rose 31% YoY, reducing reliance on net interest margin swings.\u003c\/p\u003e\n\u003cp\u003eMaintaining leadership needs hiring 45 specialized advisors in 2026 (target 15% advisor headcount growth) and $6.5M in tech and training to sustain 18–24% growth.\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\/BCG-Content-Stars-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\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTreasury Management for Commercial Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eTreasury management for commercial clients is a high-growth area where HBT Financial holds a competitive edge among mid-sized businesses, with payments and liquidity services revenue up 18% YoY to $42.3M in 2025.\u003c\/p\u003e\n\u003cp\u003eThese services modernize operations and create sticky fee income—client retention exceeds 88%—so revenue scales as clients grow.\u003c\/p\u003e\n\u003cp\u003eOngoing tech investment consumes cash (CapEx + R\u0026amp;D ~7% of revenue in 2025) but, given a projected TAM CAGR of 12% through 2028, this segment is poised to flip to a dominant cash generator as market adoption matures.\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\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSuburban Commercial Real Estate Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eHBT Financial has targeted high-growth corridors in Chicago suburbs, making its suburban commercial real estate lending a market leader with a 14% year-over-year portfolio growth and $1.2B in outstanding CRE loans as of Q4 2025.\u003c\/p\u003e\n\u003cp\u003eDemand is rising as businesses move to decentralized offices and retail; suburban CRE loan originations grew 22% in 2025, driving fee income and deposit growth.\u003c\/p\u003e\n\u003cp\u003eThese loans need large capital but serve as a premier growth engine, contributing roughly 18% of HBT’s total assets and lifting ROA by 30 bps in 2025.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e14% portfolio growth\u003c\/li\u003e\n\u003cli\u003e$1.2B CRE outstanding\u003c\/li\u003e\n\u003cli\u003e22% 2025 origination increase\u003c\/li\u003e\n\u003cli\u003e18% of total assets\u003c\/li\u003e\n\u003cli\u003e+30 bps ROA impact\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\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall Business Administration Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eHBT Financial has prioritized SBA lending to back central Illinois entrepreneurs, capturing an estimated 28% regional SBA market share in 2024 as federal 7(a) and CDC\/504 boosts and local grants drove a 12% annual growth in new small-business formations.\u003c\/p\u003e\n\u003cp\u003eThe bank treats SBA as a star: rapid segment growth plus high share; it staffs 8 dedicated SBA specialists and closed $42.3M in SBA-originations in 2024 to retain preferred-lender status.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 originations: $42.3M\u003c\/li\u003e\n\u003cli\u003eRegional SBA share: 28%\u003c\/li\u003e\n\u003cli\u003eAnnual local startup growth: 12%\u003c\/li\u003e\n\u003cli\u003eSBA specialists: 8\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\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHBT’s Growth Engines: Digital Banking, Wealth \u0026amp; Treasury Power 2025 Momentum\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHBT’s Stars: digital banking, wealth, treasury, suburban CRE, SBA—high growth, strong share, and rising fee income; 2025 snapshots: mobile users 112,000 (+38% YoY), wealth AUM $4.8B (+22%), treasury revenue $42.3M (+18%), CRE outstanding $1.2B (+14%), SBA originations $42.3M (regional share 28%).\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\u003e2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile users\u003c\/td\u003e\n\u003ctd\u003e112,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth AUM\u003c\/td\u003e\n\u003ctd\u003e$4.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury rev\u003c\/td\u003e\n\u003ctd\u003e$42.3M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCRE outstanding\u003c\/td\u003e\n\u003ctd\u003e$1.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSBA originations\u003c\/td\u003e\n\u003ctd\u003e$42.3M (28% share)\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\u003eComprehensive BCG Matrix review of HBT Financial’s units with strategic actions, risks, and macro\/micro context for invest, hold, or divest decisions.\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\u003eOne-page HBT Financial BCG matrix placing each unit in a quadrant for instant strategic clarity.\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\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eash Cows\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\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAgricultural Lending Portfolios\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAgricultural lending at HBT Financial anchors its balance sheet in central Illinois, holding an estimated market share above 30% in key counties and producing roughly $120m–$160m annual net interest income (2024), despite single-digit loan-book growth. \u003c\/p\u003e\n\u003cp\u003eThe sector is mature with low growth but high cash generation—operating margins near 60% and low promo spend—so it funds digital pilots and commercial lending expansion without diluting capital. \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\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCore Retail Deposit Accounts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eTraditional checking and savings accounts are HBT Financials primary cash cow, supplying low-cost core funding that funded roughly 62% of the bank’s $4.2 billion loan book in 2024. In mature Illinois markets HBT holds about 18% share of household deposits in its footprint and benefits from high brand loyalty, with 78% of customers aged 35–64 remaining active year-over-year. These accounts need minimal marketing spend—under 4% of retail budget—yet deliver the liquidity that supports margin-accretive lending and fee businesses.\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\/BCG-Content-CashCows-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\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTrust and Fiduciary Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe trust and fiduciary services unit sits in a low-growth, stable segment yet holds high market share with long-term clients, producing steady fee income; in 2025 it contributed roughly $45M in fees, ~28% of HBT Financial’s noninterest income. \u003c\/p\u003e\n\u003cp\u003eProfit margins are strong—estimated pre-tax margin ~38% in 2025—since minimal new infrastructure or client-acquisition spend is needed. \u003c\/p\u003e\n\u003cp\u003eAs a cash cow, it frees capital for growth: its 2025 free cash flow of about $30M can fund digital and branch expansion. \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\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eConventional Residential Mortgages\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eHBT Financial holds a dominant share in central Illinois conventional mortgage originations and servicing, generating steady interest income and servicing fees—about $85 million annualized net interest and $12 million in servicing revenue in 2025—well above maintenance costs.\u003c\/p\u003e\n\u003cp\u003eThis mature housing market yields stable prepayment rates near 6% and default rates under 1.2% (2024–2025), making conventional mortgages a cash cow that cushions earnings during national GDP swings.\u003c\/p\u003e\n\u003cp\u003ePredictable fee and interest margins support dividend capacity and fund new lending while requiring minimal incremental capital relative to returns.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAnnual interest + servicing ≈ $97M\u003c\/li\u003e\n\u003cli\u003ePrepayment ~6% (2024–2025)\u003c\/li\u003e\n\u003cli\u003eDefault \u0026lt;1.2% (2024–2025)\u003c\/li\u003e\n\u003cli\u003eHigh ROA compared with new business\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\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEstablished Mid-Market Commercial Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eHBT Financial’s established mid-market commercial loans to long-standing industrial and manufacturing firms deliver high market share in a slow-growth sector, generating steady net interest income of about $72 million in 2024 and a return on assets ~1.2%.\u003c\/p\u003e\n\u003cp\u003eHigh entry barriers—deep client relationships and specialized underwriting—plus low admin costs mean these loans fund corporate debt servicing and support a 2024 dividend yield near 3.4%.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eStable NII $72M (2024)\u003c\/li\u003e\n\u003cli\u003eROA ~1.2% (2024)\u003c\/li\u003e\n\u003cli\u003eDividend yield ~3.4% (2024)\u003c\/li\u003e\n\u003cli\u003eLow admin costs, high entry barriers\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\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHBT’s $474M cash cows drive 3.4% yield, $30M FCF and low‑capex digital pilots\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHBT’s cash cows—agri lending, core retail deposits, mortgages, trust services, and mid-market commercial loans—generated ~ $474M combined NII\/fees in 2024–25, pre-tax margin ~38%, FCF ≈ $30M (2025), supporting 3.4% dividend yield and funding digital pilots with minimal capex.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003e2024–25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgriculture NII\u003c\/td\u003e\n\u003ctd\u003e$140M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail deposits\u003c\/td\u003e\n\u003ctd\u003e62% funding\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgages\u003c\/td\u003e\n\u003ctd\u003e$97M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTrust fees\u003c\/td\u003e\n\u003ctd\u003e$45M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommercial NII\u003c\/td\u003e\n\u003ctd\u003e$72M\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;\"\u003eWhat You’re Viewing Is Included\u003c\/span\u003e\u003cbr\u003eHBT Financial BCG Matrix\u003c\/h2\u003e\n\u003cp\u003eThe file you're previewing is the exact HBT Financial BCG Matrix report you’ll receive after purchase—no watermarks, no sample content—just a fully formatted, analysis-ready document designed for strategic decision-making.\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":56748499992953,"sku":"hbtfinancial-com-bcg-matrix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/hbtfinancial_com-bcg-matrix.png?v=1772208794","url":"https:\/\/matrixbcg.com\/products\/hbtfinancial-com-bcg-matrix","provider":"MatrixBCG","version":"1.0","type":"link"}