{"product_id":"techcombank-swot-analysis","title":"Vietnam Technological \u0026 Commercial Joint Stock Bank 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\u003eVietcombank’s SWOT highlights robust retail and corporate franchises, strong capital metrics, and digital channel investments, balanced against tight NIMs, regulatory sensitivity, and competitive pressure from fintechs; growth hinges on credit quality and regional expansion execution. Purchase the full SWOT analysis to access a professionally written, editable Word report and Excel matrix with actionable insights, financial context, and strategic recommendations for investors and advisors.\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 Banking Leadership\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBy end-2025 Techcombank (Vietnam Technological \u0026amp; Commercial Joint Stock Bank) had cemented digital leadership, serving over 10 million active mobile users and processing a record 1.8 billion transactions in 2025, up ~45% year-on-year.\u003c\/p\u003e\n\u003cp\u003eThe bank scaled via cloud-native platforms and API-led architecture, cutting average payment latency to \u0026lt;300 ms and reducing IT operating costs by ~22% versus 2022.\u003c\/p\u003e\n\u003cp\u003eRetail digital transactions now represent ~78% of total volume, boosting net fee income and improving cost-to-income to an estimated 28% in 2025, well below traditional peers.\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\u003eDominant CASA Ratio\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eTechcombank consistently reports one of Vietnam's highest CASA (current account and savings account) ratios, 48.7% at end-2024 and 50.3% by Q3 2025, giving a stable, low-cost funding base.\u003c\/p\u003e\n\u003cp\u003eThis funding mix lets the bank offer competitive loan rates while keeping net interest margin around 3.7% in 2024 and 3.6% YTD 2025, preserving healthy spreads.\u003c\/p\u003e\n\u003cp\u003eIntensive push into transaction banking and payroll services deepened stickiness—payroll clients grew 22% YoY through 9M 2025—reducing funding volatility.\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 Capital Adequacy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eTechcombank reports a consolidated Capital Adequacy Ratio (CAR) of 13.8% at end-2024, above the State Bank of Vietnam’s 10% requirement and Basel II minimums, giving a clear capital buffer. This surplus supports resilience to shocks and funds lending and digital expansion plans—Techcombank's CET1 ratio stood at 11.2% in 2024. Investors treat the high capitalization as evidence of stability and prudent risk control.\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\u003eStrategic Ecosystem Partnerships\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eTechcombank's strategic partnership with Masan Group links retail, telecom and finance, giving access to Masan's ~40 million customer touchpoints (2024) and supporting integrated loyalty schemes and POS finance.\u003c\/p\u003e\n\u003cp\u003eThis ecosystem lowers customer acquisition costs—estimates show \u0026lt;1% acquisition via partner channels vs 2–3% direct—and boosts cross-sell: Techcombank reported a 12% YoY rise in retail transaction volume tied to partners in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~40M Masan touchpoints (2024)\u003c\/li\u003e\n\u003cli\u003e\u0026lt;1% acquisition cost via partners\u003c\/li\u003e\n\u003cli\u003e12% YoY partner-driven transaction growth (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\u003eAffluent Segment Dominance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eTechcombank controls a leading share of Vietnam’s affluent segment, serving over 200,000 high-net-worth and affluent clients as of FY2024 and generating ~18% of non-interest income from wealth and premium credit products in 2024.\u003c\/p\u003e\n\u003cp\u003eIts specialized wealth management, advisory teams, and premium credit cards target the expanding middle class, raising fee income and boosting brand prestige versus peers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e200,000+ affluent clients (FY2024)\u003c\/li\u003e\n\u003cli\u003e~18% of non-interest income from wealth (2024)\u003c\/li\u003e\n\u003cli\u003eHigher fee margins vs peers, strong brand premium\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\u003eTechcombank: 10M+ mobile users, 1.8B txns, 50% CASA — Vietnam’s digital banking leader\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eTechcombank leads Vietnam digital banking with 10M+ active mobile users and 1.8B transactions in 2025; CASA 50.3% (Q3 2025) supports low-cost funding; CAR 13.8% (2024) and CET1 11.2% back growth; Masan tie gives ~40M touchpoints and \u0026lt;1% partner acquisition; 200k+ affluent clients generate ~18% non-interest income (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\u003eActive mobile users\u003c\/td\u003e\n\u003ctd\u003e10M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTransactions (2025)\u003c\/td\u003e\n\u003ctd\u003e1.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCASA\u003c\/td\u003e\n\u003ctd\u003e50.3%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCAR\u003c\/td\u003e\n\u003ctd\u003e13.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMasan touchpoints\u003c\/td\u003e\n\u003ctd\u003e40M\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 Vietnam Technological \u0026amp; Commercial Joint Stock Bank’s internal strengths and weaknesses and the external opportunities and threats shaping its competitive position and future growth.\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\u003eProvides a concise SWOT matrix tailored to Vietnam Technological \u0026amp; Commercial JSC Bank for rapid strategic alignment and clear executive snapshots.\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\u003eReal Estate Concentration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpa substantial portion of techcombank loan book remains concentrated in real estate and construction accounting for about total gross loans as q3 which boosts returns but raises systemic exposure if property prices fall. this concentration means a sharp downturn could hit loan-loss provisions roe quickly the bank coverage ratio was up from management lists diversification top priority yet shifting new lending toward manufacturing retail smes has been slow with non-real-estate growing only yoy through\u003e\n\u003c\/pa\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\u003eCorporate Bond Sensitivity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpvietcombank corporate bond holdings of loan-equivalent assets q1 vtb balance sheet sensitive to bond-market swings and tighter issuance rules. a rise in cds spreads would cut fair-value reserves roa defaults key sectors estate non-performing rate could hit capital buffers. this reliance demands daily market-monitoring advanced stress-testing liquidity contingency plans avoid mismatches.\u003e\n\u003c\/pvietcombank\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\u003eHigh Technology Expenditure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpmaintaining leadership in digital banking forces vietcombank to spend heavily on it and cybersecurity vietnam technological commercial joint stock bank reported tech capex of vnd billion opex rising year-on-year which pressures short-term roe. the must ensure these investments yield measurable returns channels grew transactions yet net fee income from services rose only showing a gap. if outpaces revenue gains profit margins capital ratios could suffer.\u003e\n\u003c\/pmaintaining\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\u003eNet Interest Margin Pressure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eNet interest margin fell to about 4.0% in Q4 2025 from 4.6% in 2024 as fierce pricing by state-owned and private rivals squeezed spreads, forcing Techcombank to cut loan yields and raise deposit rates.\u003c\/p\u003e\n\u003cp\u003eTechcombank must lower its cost of funds via cheaper digital deposits and liability mix shifts while protecting ROA; balancing growth and margin amid market-share battles remains challenging.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eNet interest margin: 4.0% (Q4 2025)\u003c\/li\u003e\n\u003cli\u003eDrop vs 2024: -0.6 percentage points\u003c\/li\u003e\n\u003cli\u003ePrimary response: reduce funding cost, optimize deposit mix\u003c\/li\u003e\n\u003cli\u003eRisk: margin dilution if pricing competition continues\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\u003eGeographic Concentration Risk\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpvietnam technological commercial jsc bank derives over of net interest income from hanoi and ho chi minh city branches concentrating credit fee revenue in two urban hubs limiting access to vietnam rural population.\u003e\n\u003cpexpanding into secondary provinces needs capex for new outlets tailored products and higher cost-to-income ratios vs urban branches.\u003e\n\u003cpthe bank risks slower long-term growth if it misses rising rural retail and sme demand which grew yoy in outside major cities.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e68% NII from Hanoi\/Ho Chi Minh City\u003c\/li\u003e\n\u003cli\u003e300–500 branches needed for wide rural coverage\u003c\/li\u003e\n\u003cli\u003eRural\/secondary SME demand +9.8% YoY in 2024\u003c\/li\u003e\n\u003cli\u003eHigher capex and cost-to-income ratios vs urban model\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthe\u003e\u003c\/pexpanding\u003e\u003c\/pvietnam\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\u003eConcentrated RE \u0026amp; bond exposure squeeze NIM\/ROE; urban NII concentration raises systemic risk\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpreal-estate concentration of gross loans q3 and coverage ratio raise systemic credit risk limited shift to manufacturing lending yoy through high corporate bond exposure loan-equivalent assets q1 amplifies market-risk capital volatility. tech capex vnd1 with it opex squeezes roe while nim fell in q4 vs nii from hanoi chi minh city limits rural reach.\u003e\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\u003eReal-estate share\u003c\/td\u003e\n\u003ctd\u003e32% (Q3 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCoverage ratio\u003c\/td\u003e\n\u003ctd\u003e64% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorp bonds\u003c\/td\u003e\n\u003ctd\u003e~18% loan-eq assets (Q1 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech capex\u003c\/td\u003e\n\u003ctd\u003eVND 1,120bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT opex growth\u003c\/td\u003e\n\u003ctd\u003e+18% YoY (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e4.0% (Q4 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNII concentration\u003c\/td\u003e\n\u003ctd\u003e68% Hanoi\/Ho Chi Minh City\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\/preal-estate\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;\"\u003ePreview the Actual Deliverable\u003c\/span\u003e\u003cbr\u003eVietnam Technological \u0026amp; Commercial Joint Stock Bank SWOT Analysis\u003c\/h2\u003e\n\u003cp\u003eThis is the actual SWOT analysis document you’ll receive upon purchase—no surprises, just professional quality. The preview below is taken directly from the full SWOT report you'll get, and it reflects the same structured, editable file available immediately after checkout.\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":56752748200313,"sku":"techcombank-swot-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/techcombank-swot-analysis.png?v=1772244840","url":"https:\/\/matrixbcg.com\/products\/techcombank-swot-analysis","provider":"MatrixBCG","version":"1.0","type":"link"}