{"product_id":"oldsecond-pestle-analysis","title":"Old Second PESTLE 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 Competitive Advantage Starts with This Report\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock strategic clarity with our PESTLE Analysis of Old Second—concise, data-driven insights on political, economic, social, technological, legal, and environmental forces shaping the bank's future; buy the full report to get actionable recommendations, editable charts, and instant download for investors and strategists.\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\"\u003eolitical factors\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\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFederal Regulatory Policy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe 2024 federal elections reshaped banking oversight into 2026, increasing CFPB and OCC focus on fee transparency and higher capital ratios; CFPB rulemaking proposals in 2025 targeted clearer fee disclosures impacting Old Second's retail deposit products.\u003c\/p\u003e\n\u003cp\u003eOCC guidance tightened capital expectations, pushing regional banks toward CET1 ratios above 10.5%—Old Second reported CET1 of 11.2% at YE 2025, guiding its capital retention and cautious dividend policy.\u003c\/p\u003e\n\u003cp\u003ePolitical calls for regional bank liquidity kept LCR and NSFR monitoring elevated; Old Second maintained a liquidity coverage ratio near 115% in Q4 2025 to align with regulatory emphasis and stakeholder expectations.\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\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIllinois State Fiscal Health\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIllinois and Chicago fiscal health materially affects Old Second, with the state facing a $4.7B budget shortfall projected for FY2025 and Chicago's pension gap exceeding $40B, pressures that can depress local lending and deposits.\u003c\/p\u003e\n\u003cp\u003eLegislative tax changes—Illinois' 4.95% individual income tax and 7% corporate base rate—alongside municipal spending shifts alter consumer\/business cashflows in the bank's footprint.\u003c\/p\u003e\n\u003cp\u003ePolicy swings in Springfield have recently proposed enhanced community reinvestment rules and a 2024 corporate tax credit rollback, which would compress bank net interest margins and taxable income.\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\/PESTLE-Content-Political-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\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall Business Administration Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eGovernment support for small business lending, notably SBA guarantees, remains vital for community banks like Old Second; SBA 7(a) and 504 activity hit about $30.6 billion in FY2024, affecting available guarantee capacity and secondary market liquidity.\u003c\/p\u003e\n\u003cp\u003eAny shift in federal SBA funding or guarantee rates would change Old Second’s commercial loan risk profile and could compress or expand its small business originations, which comprised roughly 18% of its CRE\/commercial portfolio in 2024.\u003c\/p\u003e\n\u003cp\u003eThe bank actively tracks congressional debate on entrepreneurship tax credits and grant programs to adapt products and capitalize on government-backed initiatives driving loan demand.\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\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGeopolitical Impact on Market Stability\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eGeopolitical tensions in 2025 pushed US 10-year Treasury yields to a range of 3.6–4.0%, increasing Old Second’s cost of funds and marking-to-market losses in its securities portfolio.\u003c\/p\u003e\n\u003cp\u003eFlight-to-quality episodes boosted retail and HNW deposit inflows by about 4–6% quarter-over-quarter, while volatility raised capital markets caution among corporate clients.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e10-yr Treasury: 3.6–4.0% (2025 swings)\u003c\/li\u003e\n\u003cli\u003eSecurities valuation pressure: increased MTM losses\u003c\/li\u003e\n\u003cli\u003eDeposit inflows: +4–6% QoQ during peaks\u003c\/li\u003e\n\u003cli\u003eCorporate lending demand: softening amid market volatility\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\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNational Housing Policy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eFederal initiatives to boost housing affordability affect Old Second’s mortgage and construction lending, with 2024 proposals targeting a 10–20% increase in affordable housing financing that could raise loan originations by mid-single digits for regional banks.\u003c\/p\u003e\n\u003cp\u003eShifts in policy toward Fannie Mae and Freddie Mac—after 2023 conservatorship debates and 2024 liquidity guidance—alter secondary market pricing and repricing risk for Old Second’s mortgage portfolio.\u003c\/p\u003e\n\u003cp\u003eThe bank must comply with evolving federal mandates aiming to expand credit while meeting systemic-stability standards that could tighten capital and risk-weighted asset requirements.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 federal affordable-housing targets: +10–20% financing\u003c\/li\u003e\n\u003cli\u003eSecondary market volatility tied to GSE policy changes since 2023\u003c\/li\u003e\n\u003cli\u003ePotential higher RWAs and capital needs from new mandates\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\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld Second weathers tighter regs with solid capital as IL fiscal strain clouds demand\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePost-2024 regulatory tightening raised CFPB\/OCC scrutiny on fees and capital; Old Second held CET1 11.2% (YE2025) and LCR ~115% (Q4 2025) while Illinois budget shortfall $4.7B (FY2025) and Chicago pension gap $40B weigh on local credit demand.\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\u003eCET1 (YE2025)\u003c\/td\u003e\n\u003ctd\u003e11.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLCR (Q4 2025)\u003c\/td\u003e\n\u003ctd\u003e~115%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIL budget gap (FY2025)\u003c\/td\u003e\n\u003ctd\u003e$4.7B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChicago pension gap\u003c\/td\u003e\n\u003ctd\u003e$40B+\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\u003eExplores how external macro-environmental factors uniquely affect Old Second across six dimensions—Political, Economic, Social, Technological, Environmental, and Legal—backed by current data and forward-looking insights to inform strategy, risk management, and funding 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\u003eA concise, visually segmented PESTLE summary that’s easy to drop into presentations or share across teams, enabling quick interpretation, note-taking for local context, and streamlined discussion of external risks and market positioning during planning sessions.\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\"\u003eE\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003economic factors\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\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Rate Environment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpby the end of federal reserve stabilization fed funds rate near has shifted old second focus to managing net interest margins in a plateaued environment with nims likely pressured below regional-bank median. must reprice significant fixed-rate loan book while keeping deposit rates competitive costs rose bps industry-wide attrition. profitability remains highly sensitive yield curve slope and timing any cuts or hikes where move can swing annual income materially.\u003e\n\u003c\/pby\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\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eChicago Metropolitan Real Estate Market\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eGreater Chicago economic health drives Old Second’s asset quality and loan demand: 2025 metro GDP was about $770 billion and unemployment 3.8% (Dec 2025), supporting credit activity in the region.\u003c\/p\u003e\n\u003cp\u003eSuburban office vacancy in Chicago rose to ~22% in 2024, with retail vacancy ~8.5%, forcing higher provisions for credit losses on commercial CRE exposures.\u003c\/p\u003e\n\u003cp\u003eMedian single-family home prices in the Chicago metro fell about 2% year-over-year in 2024 to ~$320,000, affecting collateral values for a large share of the bank’s consumer loans.\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\/PESTLE-Content-Economic-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\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInflationary Trends and Operating Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cppersistent inflation through cpi in and forecasts for old second overheads can weaken borrowers debt-servicing capacity increasing credit risk. rising labor costs growth higher tech vendor prices compress net interest margin unless revenues rise. erodes retail depositors purchasing power contributing to lower household saving rates personal rate shifts toward shorter-term or higher-yield deposits altering deposit mix.\u003e\n\u003c\/ppersistent\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\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Unemployment and Labor Markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eIllinois unemployment fell to 4.0% in December 2025 from 4.6% in 2023, improving consumer loan performance at Old Second as delinquencies dropped 22% y\/y through 2025.\u003c\/p\u003e\n\u003cp\u003eTightening labor pushed average weekly wages up 4.1% in 2024, aiding repayments but raising the bank’s hiring costs by ~3–5% in 2024–25.\u003c\/p\u003e\n\u003cp\u003eChicago’s tech job growth of 3.5% in 2024 and a 2.8% rebound in manufacturing output are tracked for commercial lending pipeline expansion.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eIllinois unemployment 4.0% (Dec 2025)\u003c\/li\u003e\n\u003cli\u003eDelinquencies down 22% y\/y (2025)\u003c\/li\u003e\n\u003cli\u003eWage growth ~4.1% (2024)\u003c\/li\u003e\n\u003cli\u003eBank hiring costs +3–5% (2024–25)\u003c\/li\u003e\n\u003cli\u003eChicago tech jobs +3.5% (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\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital Market Volatility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOld Second's wealth management and trust services are highly sensitive to equity and fixed-income market swings; assets under management fell 4.2% in Q4 2025 amid equity volatility, pressuring non-interest income tied to fees.\u003c\/p\u003e\n\u003cp\u003eEconomic uncertainty in late 2025 increased market dislocations, reducing fee revenue and forcing higher liquidity buffers for the investment securities portfolio.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e4.2% AUM decline Q4 2025\u003c\/li\u003e\n\u003cli\u003eFee revenue tied to market performance\u003c\/li\u003e\n\u003cli\u003eHigher liquidity needs for investment securities\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\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRising rates squeeze regional NIMs as Chicago growth cushions loan demand\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFed funds ~5.25–5.50% (end-2025) compresses NIMs below ~2.5% regional median; deposit costs up ~70–120 bps (2024–25) pressuring margins. Chicago metro GDP ~$770B (2025), unemployment 3.8% (Dec 2025) supports loan demand; delinquencies down 22% y\/y (2025). AUM -4.2% Q4 2025, higher liquidity buffers and CRE vacancy ~22% raise loss provisioning risks.\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\u003eFed funds\u003c\/td\u003e\n\u003ctd\u003e5.25–5.50% (end-2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM vs regional\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;2.5% (median)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposit cost rise\u003c\/td\u003e\n\u003ctd\u003e70–120 bps (2024–25)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChicago GDP\u003c\/td\u003e\n\u003ctd\u003e$770B (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUnemployment\u003c\/td\u003e\n\u003ctd\u003e3.8% (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDelinquencies\u003c\/td\u003e\n\u003ctd\u003e-22% y\/y (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM change\u003c\/td\u003e\n\u003ctd\u003e-4.2% Q4 2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSuburban office vacancy\u003c\/td\u003e\n\u003ctd\u003e~22% (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;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003eOld Second PESTLE Analysis\u003c\/h2\u003e\n\u003cp\u003eThe preview shown here is the exact Old Second PESTLE Analysis you’ll receive after purchase—fully formatted, professionally structured, and ready to use.\u003c\/p\u003e\n\u003cp\u003eThis screenshot reflects the real file you’re buying; no placeholders or teasers—download the identical document immediately after payment.\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":56751730295161,"sku":"oldsecond-pestle-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/oldsecond-pestle-analysis.png?v=1772234385","url":"https:\/\/matrixbcg.com\/products\/oldsecond-pestle-analysis","provider":"MatrixBCG","version":"1.0","type":"link"}