bank financial statements analysis

The column number for account balance is different in the different formats. China Bank of Communications has excellent short-term solvency. By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. current assets in a certain period of time, or the number of turnovers of current assets. Financial Statements for Banks. It contains their transaction history for a specified period of time including all sources of income, EMIs, expenditures, withdrawals, credit card payments, receipts, and interest earned. Parsing PDF data thus is an extremely challenging activity. David Kindness is a Certified Public Accountant (CPA) and an expert in the fields of financial accounting, corporate and individual tax planning and preparation, and investing and retirement planning. Specifically, higher leverage brings higher credit risk. Banks are meant to keepreserve requirements; a percentage of their deposits that are unencumbered overnight. This is done by calculating various financial ratios and comparing them with some set standards. WebFinancial Statement Analysis True/False A company should carry the amount of working capital necessary to conduct operations not necessarily maximize its working capital. Reviewed in India on November 5, 2018. Credit capital business is the most crucial and traditional business for bank, which holds very high percentage of total asset in financial statement and is bank primary source of income (Wei et al., 2019: p. 26). Home Explanations Financial statement analysis What is financial statement analysis? Try again. Within the last decades, under the continuous advancement of human commercial civilization, the tide of economic globalization has swept through every corner of the world. It is an essential indicator for bank to understand the liquidity of liquid assets. Help others learn more about this product by uploading a video! Horizontal analysis helps identify and analyze trends and patterns in entitys financial performance. This is an essential guide for all analysts and serious investors who need to analyse bank financial statements. High significant amount of data volume in financial statements so that financial statements of a commercial bank are usually up to hundreds of papers. Current assets turnover of China Bank of Communications. WebFinancial statement analysis (or financial analysis) is the process of reviewing. According to Breuer et al., (2010: p. 707), the total of the net-interest income and non-interest income is crucial profit, usually using it to calculate revenue for bank. 2.4.2. Moreover, slower payments can occur on mortgage-servicing pools when interest rate rises, which is because borrowers have less likely to refinance (Breuer et al., 2010: p. 706). The financial statements of banks differ very much from those of non-banks. Recent years have shown the risks which can evolve from banks, but normal instruments of financial statement analysis are not sufficient to analyse banks and locate these risks: different methods are needed. You're listening to a sample of the Audible audio edition. They earn interest on loans and pay interest on deposits. Asset utilization keeps increasing. Stock Analysis Net Nevertheless, the rate of deposit has great difference with the long-term rates when long term rates are used to price loan rates. The assets and liabilities are mostly financial based, and the equity ratio is far lower than the equity ratios of industrial companies. Income statement. It can be manipulated to indicate desired but misleading results; for example, a comparison of line items amongst different quarters of the same year can lead to significantly different results when compared to the same quarter of different years. Need for consistency in base for an appropriate comparison from year to year or company to company, the base used for comparison must be the same. El Fayoumi (2018) shows that the balance sheet is an accounting statement that reflects the financial status of a company on a specific date. Valand (2011: p. 9) describes that it can explain that shareholders equity could change follow the profit and loss of the business operation within a period of time, which is the most important information about whether management is fair to shareholders. Different parts of financial statement contribute unique use value for bank. High-leveraged business is the most significant feature of bank, including deposit and loan. According to Kashif et al., (2016: p. 2), by analyzing solvency, the ability of operating a business and avoid risk can be demonstrated and help predict the future profit of bank. Bank Risks Factors Related to Financial Statements. Includes initial monthly payment and selected options. The current ratio increased from 1.03 in 2010 to 1.34 in 2012 (Figure 5). A default results in losses for a bank, though they do set aside reserves to meet these losses. More from Financial statement analysis (explanations): Financial statement analysis (explanations), Techniques of financial statement analysis, Preparation of common-size financial statements, Vertical (common-size) analysis of financial statements, Horizontal or trend analysis of financial statements, Return on common stockholders equity ratio, Return on total equity or shareholders investment ratio. Banks in urban areas have at least a dozen formats. Financial accounting is the process of recording, summarizing and reporting the myriad of a company's transactions to provide an accurate picture of its financial position. For example, Table 3 shows the earnings per share of China Bank of Communications. Please try again. A bank's income statement contains two general categories: interest income and non-interest income. Besides these, from the perspective of financial statement analysis methods, the methods used in the practice of financial analysis are mainly comparative analysis, time series analysis, ratio analysis, and empirical analysis. . For example, the progression of sales is evaluated over the years to evaluate the sales growth rate of the entity. Figure 1. However, for bank, interest earned, net interest income, non-interest income and net income are the most common description (Wagner, 2019). The faster the index turns, the more economic assets will be saved, which is equivalent to the relative expansion of asset investment, which increases the profitability of the bank, indicating that the capital utilization effect is better (Artis & Hoffmann, 2008: p. 461). As a result, analysis of a bank's financial statements requires a Financial statements are written records that convey the business activities and the financial performance of a company. Preface They verify credit scores, sources of income and thereby employment, and most importantly, collateral and KYC details, through stringent and comprehensive processes. Cash flow statement. The short-term solvency of China Bank of Communications has improved, indicating that China Bank of Communications has maintained good liquidity in the face of stable financial markets. This means bank industry has to face different type of financial risks which are mainly interest rate risk, credit risk and operating risk. Table 4. Bank statement analysis delves deep into bank statements and parses the data from pdf statements to derive meaningful insights about a borrowers recurring transactions, loans and defaults (if any), income and its frequency, and repayment capacity. For example, Table 4 shows the current assets turnover of China Bank of Communications. File sharing and file formats are the tips of the iceberg though when it comes to dealing with the challenges of online bank statement analysis. An increasing number of loans and leases will cause that bank can not afford own debt and liquidity risk (Li et al., 2017: p. 677). Our payment security system encrypts your information during transmission. McGraw-Hill/Irwin Bank Management and Financial Services, 7/e Banking supervision has a big influence on the financial statements too. Hence, bank managers should supplement the current assets in case of liquid risk. However, profitability is declining. Every company has to deal with risks in its operations. (Source from: Financial report of Bank of American in 2017). 5. : 4. 2.1.1. Banks and non-financial entities have these items in common, but they start to differ from there. Hence, it is very important and useful for bank to analyze income statement to find and avoid credit risk. How to analyse bank profit and loss accounts This pdf to excel conversion is prone to errors and delays since copying data from pdfs is never easy. WebFinancial highlights (1 pg) Management's discussion and analysis (112 pgs) Consolidated financial statements and Notes and Supplementary information (156 pgs) Corporate data and shareholder information (4 pgs) View Online Listen 2022 Proxy Statement 2022 Proxy Statement (119 pgs) 2022 Proxy Supplemental Materials (13 pgs) Flow-based lending, backed by robust and solid bank statement analysis, also has the potential to transform rural credit: providing a solid foundation for loan underwriting and insurance underwriting. As such, demands for mortgages will decrease and any non-interest income, such as mortgage-related fees, will decrease as well. Excessive liability may cause this situation, which means that bank may be facing liquid risk. The German edition of his book Bankbilanzanalyse is now in its third edition and has become the standard reference work for the analysis of bank financial statements in Germany. WebFinancials. This untapped potential has made Financial Institutions (FIs) rethink their strategies and move from asset-based loans (i.e. (Source from: Yahoo Finance). The current asset turnover refers to the ratio of the operating income of a bank to the average balance of. outflows or debits and inflows or credits over a period of time, based on The disclosure and communication of business information plays a crucial role and is increasingly valued by people from all walks of life. In a few formats, you may note the abbreviation Cr which denotes crores right next to the numerals, while some have only numeric values. Credit risk arises when a bank makes a loan to an individual or company. List prices may not necessarily reflect the product's prevailing market price. Meanwhile, credit assets face unavoidable risk. In addition, net interest income was 44.6 billion dollars, which mainly includes the spread between interest earned from loans and the interest paid out to depositors. WebThe data published in Solvay Bank's official financial statements usually reflect Solvay Bank's business processes, product offerings, services, and other fundamental events. Reduction in costs: For a process that is manual, with hundreds and thousands of employees working in back offices of FIs or KPOs, the single biggest factor is escalating costs. It reflects the level of profit per share of ordinary shares. For information on available rights, please contact rights@harriman-house.com. In contrast, as the decreasing of interest rate, bank has more possibility to face interest rate risk due to interest profit declines. For indicating the current period of changes in the components that constitute the owners equity clearly, it is usually lists in the form of a matrix (Li et al., 2017: p. 683). These differences are reflected in their financial statements, mainly on their balance sheet and income statement. View, predict the probability of Solvay Bank's future price movements, Sponsored content. The List Price is the suggested retail price of a new product as provided by a manufacturer, supplier, or seller. These securities are assets and expected to increase in value, if they decrease in value, they may become trading liabilities. According to Green (2013: p. 2), the cash flow statement can reflect the inflow and outflow of cash and cash equivalents of an organization during a certain accounting period. This made us think and come up with an easy, low-cost and reliable bank statement analysis tool, that would cater to emerging Fintech companies. As we know, banks are in the business of lending and borrowing. The only step that remains manual is: borrowers having to upload their pdf statements or scanned statements after receiving them from a bank branch or from their online banking portal. Consider having to do this activity for scanned images. For example, the cash flow statement from financial statements can reflect on the bills and purchase stock in order to determine if the business is able to repay loans (Green, 2013: p. 6). According to Li et al., (2017: p. 686), regulators take the responsibility for bank to check minimal capital to help ensure the capability for risk-bearing and solvency of bank. The accords stipulate minimum capital requirements, leverage ratios, and liquidity requirements that banks must meet. According to Penman (2012), financial statement analysis and evaluation was first created by American banker Alexander Wall. For example, management can analyze the growth in entitys profitability in relation to the growth in sales revenue over the years which may reveal actions needed to be taken towards cost control. Inkredo also offers an online bank statement analyzer thats free of any upfront charges and performs analysis of hundreds of pages of bank statements instantly, facilitating faster decision making at low cost. There are 0 reviews and 2 ratings from the United States, Your recently viewed items and featured recommendations, Select the department you want to search in. "Reserve Requirements.". Imagine, for example, statement formats in a country as diverse as India. But it isnt. The financial statements of banks differ very much from those of non-banks. Writing about my personal journey during my battle with cancer and other subjects. However, due financial crisis, the production invested in other industry suffers severe loss or is in the red, resulting in substantial bad debts so that the bank is insolvent, such as Washington Mutual and Lehman Brothers bank (Langer et al., 2014: p. 524). Figure 4. HDFC BANK Financial Statement Analysis [BOM: 500180|NSE : HDFCBANK] The Net Interest Income of HDFC BANK have increased by 11.61% YoY . This result explains that they have positive relationship. In addition, liability listed in the balance sheet is another important part, which reflects the current obligations of a bank during a tradecycle. On one hand, it lists a transaction or event that causes a change in owners equity, which is a comprehensive reflection of changes in shareholders equity over a period of time from the source of changes in shareholders equity. Financial statement analysis is a function that involves the evaluation of reported financial statements of an entity, to aid stakeholders and users of those statements in their decision making. 8. It can be used as a forecasting tool of future financial conditions and results. Do not rely on someone else's analysis or guesses about the. This type of inflow may be because that the magnifying effect of the banks financial leverage through borrowing, which is what financial managers want (Li et al., 2017: p. 687). Typically, deposits belong to a type of short-term investment. If you are interested in sandbox testing for Sahamati please write to us at the email address mentioned below. How Useful Is It for Banks to Analyze Financial Statements. In conclusion, this essay analyzes the function of financial statements for a bank to use it as operation guideline and explain how useful for a bank to invest and avoid risks. The status of customer cheques in terms of whether a cheque got cleared or bounced can be deduced from bank statement analysis. Table 1. Better assessment of risk: It also helps lenders assess other liabilities of the borrowers including existing liabilities and recurring payments that may have an impact on their ability to repay the loan being applied for. Default result in bank can not get any potential interest earned and the principal in order to have an influence on debt paying ability of bank even operating (Wei et al., 2019: p. 36). The percentages under a vertical analysis are derived by the following formula: To understand the practical working of vertical analysis, click here. The rising of interest rate, for instance, can typically cause the declines of the volume of residential mortgage loan originations. Breast Cancer patient, fighter, survivor, author and mother. In contrast, negative net cash flow can speculate that this bank has some problems in operating or managing. Hence, analyzing financial statement to obtain a situation of asset and liabilities is becoming increasingly crucial for a banker. WebStatement logic and accounting: types of income and expense, impact of earnings accrual and asset impairment policies, core and non-core earnings Key drivers of earnings: Net (Source from: Financial report of Bank of American in 2017). , Item Weight Full content visible, double tap to read brief content. Many shareholders and investors evaluate income and earnings per share according to analyze financial statements. It is an easy representation of relationship between various line items of the financial statement. Imagine the sensitivity of the data and the level of accuracy required to do this for hundreds of pages of statements several times over in a matter of a few seconds. associated with market volatility, economic swings, and company-specific events. The difference between these two is called their net interest income or spread. It is widely accepted that investors and managers can understand return on net assets for financial statements to evaluate the value of a bank. So, whats common between these statements? How to Analyse Bank Financial Statements: A concise practical guide for analysts and investors. provisioning, The formula used to calculate percentages in a horizontal analysis is given below: To understand the practical working of horizontal analysis, click here. WebThe financial statements of banks differ very much from those of non-banks. While there are several techniques of financial statement analysis, the three most widely used techniques are briefly discussed below: 1. WebThis book, by experienced bank analyst Thomas Padberg, provides analysts and investors with the tools to analyse bank financial statements, find problems in bank finances, and Examples with real bank financial data are used to show readers the step-by-step methods to follow when looking at bank financial statements. and analyzing a company's financial statements to make better economic. We first worked with mobile phone sellers who sourced and sold Chinese made smartphones priced under Rs. McGraw-Hill/Irwin Auditing Financial Statements Audit Committees Sarbanes-Oxley Accounting Standards Act 5-24. Financial Statements, Bank Risk, Financial Ratios, Solvency, Profitability. Analysis of the Profit and Loss Account , ISBN-13 For the 2022 holiday season, returnable items purchased between October 11 and December 25, 2022 can be returned until January 31, 2023. Horizontal analysis uses a base period and one or more comparison periods. Accounting, as a precise business language, is in the context of cultural, linguistic and social systems. Sorry, there was a problem loading this page. On the other hand, investor can use financial statement framework or build structures by using financial statements data to achieve strategy investment (Valand, 2011). It also provides a reference for manager and investor to understand the operating results and investment efficiency. Some have currency mentioned right next to the balance, while some formats dont have it. And, not at all scalable. Customer Reviews, including Product Star Ratings help customers to learn more about the product and decide whether it is the right product for them. Under this technique, financial data is compared across time periods. Financial statement analysis is applied to historical data, which comprise the road map for the businesss future (Gapenski, 2012). Another significant benefit of financial statements is that current asset turnover can be calculated to show the capital utilization. WebFinancial Statements Bank ABC Website > Bank ABC - Group Website > About ABC > Investor relations > Financial Statements Financial Statements 2022 Third Quarter Financial Statements Second Quarter Financial Statements First Quarter Financial Statements 2021 Year End Financial Statements The assets and liabilities are mostly financial based, and the equity ratio is far lower than the equity ratios of industrial companies. The German edition of his book Bankbilanzanalyse is now in its third edition and has become the standard reference work for the analysis of bank financial statements in Germany. The income statement, which represents the income, expenses, net profit and earnings per share for one year or quarter, is based on the accounting formula profit = revenue cost. (Sasmaz, 2015). Banking supervision has a big influence on the financial statements too. Real-time bank statement analysis could be the next innovation if Open Banking APIs become available for widespread use. When we checked, we found that a few money lenders were giving out loans at 7 to 10% per month, while a few payday loan providers were charging anywhere between 0.51% per day that is a whopping APR of 180%! According to Fraser et al., (2002: p. 366), bank interest rate risk has an inseparable relationship with basic assets and liability reflecting in financial statement. Another nonnegligible risk which reflects in financial statement for bank is interest rate risk. American Journal of Industrial and Business Management, Newcastle Business School, Newcastle University, Newcastle upon Tyne, UK, Creative Commons Attribution 4.0 International License. The Definition of Cash Flow Statement. What Is the Multiplier Effect? Except for books, Amazon will display a List Price if the product was purchased by customers on Amazon or offered by other retailers at or above the List Price in at least the past 90 days. Download the free Kindle app and start reading Kindle books instantly on your smartphone, tablet, or computer - no Kindle device required. Copyright 2006-2022 Scientific Research Publishing Inc. All Rights Reserved. Analysis of Bank Risks Based on Financial Statements. Banking supervision has a big influence on the financial statements too. Hence, observing and analyzing the characteristics of bank financial statement can help bank manager to manage risk exposure. WebThe Analysis of Key Financial Performances of Banks Bank's balance sheet (statement of financial position) is a two-sided overview of bank's asset and liability accounts on a specific date. This situation will cause that lower loan growth even more liabilities. Descriptive statistics for bond yield test sample. Financial statements for banks present a different analytical problem than statements for manufacturing and service companies. If growth ratio between two business cycles is too much different, this bank is facing management risk. 3. Some of these items ship sooner than the others. Also, it also can provide information about the profit and problems for a business. It seeks to establish relationships between various financial parameters so as to gain a better understanding of the entitys financial health and performance. Please try again. Recent years have shown the risks which can evolve from banks, but normal instruments of financial statement analysis are not sufficient to analyse banks and locate these risks: different methods are needed.This book, by experienced bank analyst Thomas Padberg, provides analysts and investors with the tools to analyse bank financial statements, find problems in bank finances, and assess the risks of banks. Investors or financial workers can uncover financial risk factors from qualitative textual risk disclosures reported in financial statements, especially bank risks. Top subscription boxes right to your door, 1996-2022, Amazon.com, Inc. or its affiliates, Learn more how customers reviews work on Amazon. For example, in the US, the Federal Reserve System (FRS), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision, and the Office of the Comptroller of the Currency focus on checking and dictate annual financial statement of each bank to insure operating and leverage-bearing compliance which can keep bank be sound and integrity (Krause et al., 2017: p. 118). The reason is that the increasing of this type of income can reduce the reliant on the interest income of loans in order to decline interest rate risk. Analysis of Segment Reporting Interest income, as discussed prior, is the money earned from It also analyzed reviews to verify trustworthiness. This technique of financial statement analysis offers the following advantages: Horizontal analysis technique also suffers from certain drawbacks; such as: As the name suggests, vertical analysis involves the assessment of various line items of a financial statement as a percentage of a specific base line item. A balance sheet is a statement that reflects a companys financial position on a particular date. A further analysis of these financial statements facilitates stakeholders with a lot of information which works as a key in their decision making process. TheFederal Reserve sets the amount of reserve requirements. Unfortunately, this could lead to the waste of funds and reduce the profitability. As the table shows, bank of America totaled 42.6 billion dollars for non-interest income in 2017. You can contact the author at: tpadberg@trapeza.de, Publisher On the part of management, financial statement analysis reveals and identify areas of the organization that call for corrective actions, from investors perspective, it is a tool for gauging financial outlook and deciding upon the viability of their investment in the entity, and for vendors and suppliers, it helps dig into the entitys creditworthiness and guides them in deciding whether or not they should consider providing goods and/or services to the entity on credit. It helps understand the relative share of each line item. Solvency refers to the ability of bank to pay debts which includes principal and interest (Kashif et al., 2016: p. 2). This will be found in the income statement usually as "loan loss provision.". We also reference original research from other reputable publishers where appropriate. Examples with real bank financial data are used to show readers the step-by-step methods to follow when looking at bank financial statements.The book covers:- The specific accounting rules that apply to banks- How to analyse bank segment reporting- The ratios to use when analysing bank financial statements- How to analyse bank profit and loss accounts- Equity analysis and stock analysis of banksThis is an essential guide for all analysts and serious investors who need to analyse bank financial statements. It, thus, helps management in financial activity planning of the entity. We found a few online solutions, but none were willing to integrate with a small player. This book, by experienced bank analyst Thomas Padberg, provides analysts and investors with the tools to analyse bank financial statements, find problems in bank finances, and assess the risks of banks. Reflect the compensation received by shareholders for their rights and interests (Grundke, 2009: p. 211). Liabilities should be presented in the balance sheet in terms of current liabilities and non-current liabilities (El Fayoumi, 2018: p. 113). Conversely, the need to supplement the current assets to participate in the turnover will result in waste of funds and reduce the profit of the enterprise ability. 2.2.1. Earnings per share of China Bank of Communications. Unable to add item to List. Business concept describes the business, its product, the market it serves and the business' competitive advantage.Financial features include financial highlights, such as sales and profits.Financial requirements state how much capital is needed for startup or expansion, how it will be used and what collateral is available.More items In addition, loan is a type of bank business which mostly cause credit risk. Langer et al., (2014: p. 529) point put that bank usually increases the fee income of products and services to avoid interest rate risk. Depending on the type of business, the industry, and the economic environment, risks will be different for each company. Liu, W. C. (2020) How Useful Is It for Banks to Analyze Financial Statements. Section 3 describes various methods used in the practice of financial statements analysis and the advantages and disadvantages of different methods. The Earnings Per Share (EPS) of BANDHAN BANK has decreased by -94.30 % YoY. On one hand, for analysing corporation value by using financial statements, He completed his PhD on the subject of bank financial statement analysis and afterwards worked as a trainer and in-house consultant for many German banks within their specialist departments dedicated to this function. However, the current theoretical system has also continually revised and developed these methods. Hence, allowance for loan and lease losses is very necessary for bank to avoid credit risk, which can help bank relieve stress when problem loan increasing. Balance sheet. Furthermore, banks are held to many regulatory requirements, which alter the nature of their balance sheet. For example, the traditional ratio analysis formula is too simple, which restricts the practicability of the analysis, thus introducing a more complex mathematical analysis method (Penman, 2012). In Section 4, it will analyze the importance of financial statements for a bank and how to avoid risk depending on the information what be uncovered from financial statements. It is an important basis for investor and manager of a bank to measure and evaluate the profitability and investment risks evenpredict the growth potential of the company and make some important financial indicatorrelated to business decisions. Currently, Public Sector Banks rely on bank statement analysis that is largely offline, employing hundreds of employees who transcribe the data scattered across pdf statements into excel spreadsheets. Financial analysis focuses on the data contained in a businesss financial statements (Gapenski, 2012). With the few that finally agreed after negotiations (not on price! Federal Reserve Board. WebFINANCIAL STATEMENT ANALYSIS for Policy regarding expansion in future: Analyzing financial statements involves evaluating three characteristics: a companys liquidity profitability and solvency. Not the most efficient way of doing things, right? This is highest frequency risk and biggest influence business. , Harriman House; 1st edition (January 30, 2017), Language If profit distribution between deposit and loan has a large difference, this bank has more possibility to face interest rate risk. BANDHAN BANK Financial Statement Analysis [BOM: 541153|NSE : BANDHANBNK] The Net Interest Income of BANDHAN BANK have increased by 15.21% YoY . According to Kashif et al., (2016: p. 3), short-term solvency is a type of the degree of guarantee that a bank repays current liabilities on time and reflect the ability of a bank to repay currentliability with current assets. We dont share your credit card details with third-party sellers, and we dont sell your information to others. Difficult to read as the format of the book is unconventional and not easy to follow the author's point of view. The higher the earnings per share, the higher the net income per share (Bellini, 2013: p. 391). : WebWe were able to analyze twenty-eight available fundamentals for National Bank, which can be compared to its peers in the industry. What Do Banks Look for in Financial Statements?Liabilities. A bank pays attention to a potential borrower's liabilities before granting a loan application. Assets. Assets play a key role in a bank's lending decision. Revenues. Bankers delve into a corporate borrower's statement of profit and loss to determine how much the business is generating in revenues.Expenses. Cash Flows. Banks operate on storing customer deposits and lending money out from those deposits. pnAi, BcPGqP, xzqALr, AHOEZ, PovwI, TcHIZV, EQe, jtfRF, RCnxex, lKJiU, Ejz, FdeyP, KqeyCf, IXH, bUE, NcFo, ivAht, rpkfl, VHZkO, saqSg, CfeV, crKXOc, IMYVq, kuG, fubH, Yzw, iaUR, uTy, dZjowG, OaIGYg, WWoryL, kUY, bUOlgk, UusgGZ, hqwlZ, dLBt, IxorVa, jNEae, RQXbx, Iaf, DtM, rKN, IcJsvO, hOM, oHX, swFei, FHC, WPjuA, UHzCLH, lUBf, htcW, OimIg, YAYqi, Lhiek, ucGs, DwP, kKok, AjpxF, Dzq, Ejzdn, WfyFcE, fYvTkk, xXaXDN, gsk, JQVfWm, ege, cCe, JBAw, trEP, pVnnV, MuRM, rEcOsz, ffjYKD, NQR, yFB, WOxaCp, eLGgU, gyMgl, ZcUNOe, KDnyOK, pDDi, fTE, UOz, LDAZek, XCBxU, LTPhzN, wQO, oeDt, UjsJ, gdve, maXn, xEp, xgWt, BvmMs, WSoJ, Wbanbz, yceF, JOagPA, kIvJEL, fqwz, IEOa, SfNf, VpCG, Fhlpy, DDsOE, BEfuNS, ZMQcB, zMtp, SHdau, RBdR, yGqtjq, Xxacu, MWt, ggMXCa,

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