The economy recorded gross domestic product growth of 0.6% for the quarter, and 5.9% over the year, the Australian Bureau of Statistics said Wednesday. Facing -4.71% year on year income per share decrease in the third quarter, to $ 0.81, Bank Of America reported smaller declines than the Commercial Banks industry with -19.04%, and less than -36.66% slide in the Financial sector. Gross profit can be defined as the profit a company makes after deducting the variable costs directly associated with making and selling its products or providing its services. All rights reserved. Comparing the company's Revenue to the second quarter results, revenue were higher by 8% . Cash Flow 5 Year Avg. Currently, Bank of America Corporation has a PEG ratio of 1.56 compared to the Banks - Major Regional industry's PEG ratio of 1.26. . (You can read the full research report on Bank of America here >>>)T-Mobile's shares have outperformed the Zacks Wireless National industry over the past year (+28.5% vs. -10.4%). Change, BAC Operating Income Growth Rates Comparisons, Income from Cont. The strongest annual growth rates over the past 15 years have been achieved by the Andean economies of Bolivia, Colombia, Ecuador, and Peru, and by Costa Rica, Cuba, the Dominican Republic, and Panama. Rates are accurate as of Dec. 2, 2022. Bank of America Corporation (BAC) Dividend Growth | Seeking Alpha BAC Bank of America Corporation 525.13K followers $ -0.79%) 4:00 PM 12/07/22 NYSE | $USD | Close Summary Ratings Financials. Monday, 31 January 2022 | Agencies | Washington, 12 December 2022 | Staff Reporter | Bhopal, 11 December 2022 | Navin Upadhyay | Agenda, 11 December 2022 | Archana Jyoti | Agenda, 11 December 2022 | Bharat Bhushan Padmadeo | Agenda, 11 December 2022 | Pratap C Mohanty and Milind K Yadav | Agenda, Sukhwinder Sukhu sworn in as Himachal's 15th CM; Kharge, Rahul, Priyanka attended ceremony, Elon Musk could lose world's richest person title, 'Pathaan' director: 'Wanted to present Deepika in her most glam avatar ever', 'Salaam Venky': Relevant theme marred by overdose of sentimentality, 'Bigg Boss 16': Salman Khan allows MC Stan to walk out, Ashneer takes a dig at media as BharatPe sues him, family for Rs 88.6 cr fraud, Cricketer Ravindra Jadeja's wife Rivaba takes big lead in Jamnagar North, Deepika Padukone to star as lady Singham, announces Rohit Shetty, Twitter considering $11 for Blue service with verification for iPhone users. Statistics from Bank of America customers credit cards and bank accounts show that consumers are spending more, they added. Estimates of the neutral real rate have dropped in most countries. The next Bank Of America Corp. dividend went ex 9 days ago for 22c and will be paid in 20 days . Bank of America Quarterly Revenue (Q1 2021) According to its Q1 2021 earnings report, Bank of America's revenue improved amid economic recovery. By historic standards, that seems like an adequate buffer. Those securities tend to have higher returns than Treasury bonds and other low-risk assets. The Preferred Rewards program is our way of rewarding you for what you already do, whether it's banking with Bank of America or investing with Merrill. Popular Screeners Screens. So why 2%? APY. However, Latin America's growth performance has not been uniform. / Y Net Income Growth, Q / Q Suppose the neutral real policy rate was 2% and underlying inflation increased to say 3% during a boom. That is Bank of America's latest forecast for the growth of the U.S. economy in the second quarter. All quotes delayed a minimum of 15 minutes. There are typically 4 dividends per year (excluding specials), and the dividend cover is approximately 10.3. Either way the economy adapts. Analysts view Bank of America as the most exposed to rates among large U.S. banks. The Bank of America money market account features tiered interest rates -- the larger the balance, the higher the interest earnings rate. Change, Y Bank of America has more consumer deposits than any other U.S. bank As of March 31, 2017, Bank of America has $635.6 billion in consumer banking deposits, giving it the No. It is the second-largest banking institution in . Russian President Vladimir Putin and his Turkish counterpart Tayyip Erdogan discussed their two countries' joint energy projects, especially in the gas sector, in a phone call on Sunday, Russian news agencies cited the Kremlin as saying. His tenure is . Mortgage Rates - Today's Rates from Bank of America Mortgage Rates Get the right mortgage to finance your new home Today's low mortgage rates View current mortgage rates for fixed-rate and adjustable-rate mortgages and get custom rates Rates based on a $200,000 loan in ZIP code 95464 Purchase price * $ $60,000 - $2.5 million Down payment * $ Population source: ( 1 ) United Nations Population Division. Erica users rose to 12.2 million in Q1 2020, up from 10.3 million in Q4 . The bank added exposure to collateralized loan obligations (CLOs) it underwrites that have high credit ratings, rather than distributing all the pieces to investors, Donofrio said. Bank of America's closest big bank competitor is Chase. The decrease in the third quarter 2022 Bank Of America Corporation's Net Income compares unfavorably to the Company's average Net Income rise of 34.44%. Also, 2% does not really satisfy the idea that central banks should pursue "price stability." Change, Seq. Bank of Americas holdings of Treasury bonds and debt issued by U.S. agencies more than tripled. Now, it is time for rebalancing. As of December 2010, higher tiered rates started at balances of $10,000. Net 5 Year Avg. Maryland banks lobbied the Maryland General Assembly for legislation to permit higher interest rates on credit-card . / Y Capital Expenditures Change, Seq. Lending, other commercial banking activities, and trading in certain financial instruments are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Ops. We are deploying our excess liquidity in a prudent way over time and we are always balancing our need to have liquidity.". 5 Year Avg. By the end of 2018, the Bank of Canada had raised rates up to 1.75% from a low of 0.5% in May 2017 in response to robust economic growth. The bank is betting on loan growth to get where it needs to be, rather than trying to invest with a view on rate directions, he said. Using a compound annual growth rate of 10.6%, the average from the last two years, Bank of America forecast would see the industry's revenue grow 230% - from about $424 billion in 2019 to. Ranking, Cumulative Net Income growth "BofA really needs rates to move up," said Evercore ISI analyst Glenn Schorr. In addition, when the targets were adopted, the idea was to give policy makers two "buffers": (1) it made outright deflation unlikely and (2) it meant that in normal times nominal rates were high enough that there would be room to cut rates adequately in a recession. Bank Of America annual/quarterly revenue history and growth rate from 2010 to 2022. In this case we use the forecasted growth rate. The literature on inflation targeting shows only weak support for 2% as the optimal target. Capital Expenditures Change, Capital Ops. Bank of America Corporation announced that it will redeem on December 20, 2022 all $6,000,000,000 principal amount outstanding of its 3.004% Fixed/Floating Rate Senior Notes, due 2023 . World Population Prospects: 2019 Revision, ( 2 ) Census reports and other statistical publications from national statistical offices, ( 3 ) Eurostat: Demographic Statistics, ( 4 ) United Nations Statistical . 1 Once enrolled, automatically earn benefits tailored to you and the ways you bank, borrow and invest. Delivering the insights you need to help achieve your investment goals. During the bear market, Bank Of America is likely to outperform the market. Donofrio touted Bank of Americas ability to keep net interest income relatively steady, even as rates plummeted and loan demand cratered during the pandemic. Free Cash Flow Change, Free Surging inflation across the world has caused central banks to underscore their commitment to bringing inflation back to target. The growth fears rallied longer-dated bonds and helped the safe-haven US dollar to pause its recent retreat. Find the latest Bank of America Corporation (BAC) stock quote, history, news and other vital information to help you with your stock trading and investing. / Y Operating Income Growth, Seq. REUTERS/Carlo Allegri. Latest . CSIMarket Company, Sector, Industry, Market Analysis, Stock Quotes, Earnings, Economy, News and Research. Ops. Central banks did not want a replay of the slippery slope of the 1970s where inflation repeatedly ratcheted higher. Get comparison charts for tons of financial metrics! Bank of America has other savings options, but they don't earn much interest, either. "We're not traders or a hedge fund, said Donofrio. Growth Rates Comparisons. Management offered a forecast of brighter earnings if loan demand picks up or interest rates rise in a neat way. Ally's one-year CD 0.55% APY outperforms Bank of America's 0.03% substantially. For the year as a whole, Bank of America sees a US GDP growth of 3.6 per cent, down from its prior expectation of 4 per cent, citing the Omicron surge, along with the expected path of inventories and the outlook for fiscal spending, which is set to slow sharply. Either way the economy adapts. Sensible to get best deal in interest of Indians: Jaishankar on oil imports from Russia. Bank of America's mobile bank in Houston, Texas, in the aftermath of Hurricane Katrina in 2005. Minimum Deposit. Ops. Management has shifted strategies multiple times to perform better, but rate changes have been nearly impossible to predict for more than a decade, as policymakers have responded to various crises since 2008, including the coronavirus pandemic that began last year. Operating Income Change, Y IncomefromContinuedOperationsAnnualGrowth, Commercial Banks Industry Net Income Growth Trends and Statistics, Financial Sector Net Income Growth Statistics, Net Income Growth Trends for overall market, BAC's Net Income Growth Ratio versus Commercial Banks Industry, Financial Sector and total Market, Net Income Growth for BAC's Competitors, Net Income Growth for Bank Of America's Suppliers. Net income for Q1 2021 was $8.1 billion, an increase of $2.6 billion, or 47%, from the previous quarter. For BANK OF AMERICA CORP stock forecast for 2023, 12 predictions are offered for each month of 2023 with average BANK OF AMERICA CORP stock forecast of $27.3, a high forecast of $30.58, and a low forecast of $26.33. As returns on the market increase, returns on owning Bank Of America are expected to decrease at a much lower rate. Our eight lines of business are focused on delivering one company, deepening client relationships and developing new relationships. Economists at Bank of America told clients in a report that they expect US gross domestic product (GDP) to rise at an annual rate of 1 per cent during the first quarter, as "risks of a negative growth quarter are significant", Xinhua news agency quoted a CNN Business report as saying. Change, Y Key Takeaways No APY minimum balance. "That would break a streak of six consecutive quarters of growth that began in the summer of 2020," said the report. The first tenet of responsible growth is that we have to grow, no excuses. Bank of America Money Market Account is available in 50 states (and Washington, DC). The evidence is that steady 4% inflation imposes very small additional costs compared to steady 2% inflation. Comment, For the 12 months ended Sep 30 2022 Bank Of America reported a decrease in Net Income by, Net Income TTM Y/Y Growth Company Ranking, Net Income TTM Q/Q Growth Company Ranking, Companies with similar Net Income decrease for the quarter ending Sep 30 2022 within Financial Sector, Net Income for the quarter ending Sep 30 2022. Erica, BofA's virtual voice assistant, saw a notable increase in new users likely thanks to its budgeting capabilities. / Y Operating Income Change, Seq. Bank of America operates in four key divisions, namely Consumer Banking at 38% of Q1 2022 revenue, Global Banking at 22.3% of Q1 2022 revenue, Global Wealth & Investment Management at 23.6% of. Compare the revenue ttm compound annual growth rate (cagr) of Bank of America BAC and Renasant RNST. Please visit our Global Economic Weekly webpage for our latest insights. JPMorgan Chase & Co (JPM.N), Citigroup Inc (C.N), Wells Fargo & Co (WFC.N) and Goldman Sachs Group Inc (GS.N) also reported results this week, with Morgan Stanley (MS.N) scheduled for Thursday. Among them, Bank of America CEO Brian Moynihan told investors at a Goldman Sachs financial conference that the bank's research shows "negative growth" in the first part of 2023, but the . (Next month, 2023, 2024, 2025, 2026 and 2027) The final quotes of the instrument at the close of the previous trading day are a signal to adjust the forecasts for Bank of America shares. The literature on inflation targeting shows only weak support for 2% as the optimal target. We are expecting a fairly weak economy throughout 2023" Bank of America CEO: "The rate of growth is slowing" 07 Dec 2022 20:07:23 Our Standards: The Thomson Reuters Trust Principles. / Y Net Income Change, Net AP The US economy could enter a recession in 10-12 weeks, according to Bank of America.Investors and business CEOs have grown wary of a potential slowdown in the economy as the Fed hikes interest rates.These are the five reasons why Bank of America believes a recession could hit by March 2023. . To consolidate recovery, promote growth and reduce poverty and inequality, countries must continue to invest in social programs and infrastructure. Net Income Growth, Y Best Performing Worst Performing 52-Week Highs 52-Week Lows Biggest Daily Gainers Biggest Daily Losers Most Active Today Best Growth Stocks. Members enjoy program benefits such as credit card rewards bonuses, discounts on home and auto loans, waivers on monthly account maintenance fees and more. Comparing 7.63% year on year Revenue growth in the third quarter 2022, Bank Of America outperformed the 1.03% growth in the Commercial Banks industry, and 3.82% growth in the Financial sector. EPS from Cont. Build the strongest argument relying on authoritative content, attorney-editor expertise, and industry defining technology. The growth fears rallied longer-dated bonds and helped the safe-haven U.S. dollar to pause its recent retreat. Historical Data :: Bank of America Corporation (BAC) Skip to main content Personal Small business Wealth management Businesses & institutions About Our company Making an impact Working here Investors Newsroom Help Investor Relations Overview Profile Quarterly Earnings Events & Presentations Regulatory & Other Filings Fixed Income Shareholder Info . . Reuters provides business, financial, national and international news to professionals via desktop terminals, the world's media organizations, industry events and directly to consumers. ("BofA Finance"), as issuer of the Notes, and Bank of America Corporation ("BAC" or the "Guarantor"), as guarantor of the . This article focuses on Bank of America's Featured CDs, which offer a higher APY and require a higher minimum deposit. Through a combination of bad luck and tardy central bank tightening, inflation has spun out of control. BAC Bank of America Corporation Growth Rates 525.13K followers $32.74 -0.26 ( -0.79%) 4:00 PM 12/07/22 NYSE | $USD | Post-Market: $32.58 -0.16 (-0.49%) 7:59 PM Summary Ratings Financials. Its deposits were up 14% to $1.9 trillion. So we think the top line will be better than expected. Biggest Companies Most . See here for a complete list of exchanges and delays. The Dividend Summary. Bank Of America performance is based on evaluating its risk-adjusted returns. Ops. MBNA Corporation was a bank holding company and parent company of wholly owned subsidiary MBNA America Bank, N.A., headquartered in Wilmington, Delaware, prior to . Operating Income Growth, Operating The average BANK OF AMERICA CORP stock forecast 2023 represents a -16.61% decrease from the last price of $32.7400016784668. In 2023, however, Bank of America expects the US economy to lose 175,000, 200,000 and 175,000 in the first three quarters of the year, before returning to job growth of 25,000 in the final. Although Bank of Americas net income soared 173% to nearly $9 billion in the second quarter compared with the year-earlier period, beating analyst estimates, its net interest income fell more than 6%. Ethan Harris, Head of Global Economics, BofA Global Research. Log in to enroll Don't have a Bank of America checking account yet? 5 Year Average Growth, Y RT @GRDecter: Wells Fargo CEO: "There is a slowdown happening, there's no question about it. Income 5 Year Avg. Designed around the ways you save, spend and borrow with Bank of America and invest with Merrill, the Preferred Rewards program offers benefits and price discounts on everyday banking. ( NYSE: BAC) Bank Of America 's forecast annual revenue growth rate of 5.67% is forecast to beat the US Banks - Diversified industry's average forecast revenue growth rate of 3.5%, and while it is not forecast to beat the US market's average forecast revenue growth rate of 6.66%. And central banks have found themselves hitting the lower bound on rates for long periods of time. Some banks are currently paying. Rates remained at 1.75% for the duration of 2019. . | December 6, 2022 / Y Income from Cont. We must grow with our customer-focused strategy We serve three groups of customers people, companies and institutional investors. This is differing . Growth, Y Total quarterly revenue was $22.8 billionup from $20.1 billion in Q4, 2020. Access unmatched financial data, news and content in a highly-customised workflow experience on desktop, web and mobile. Finally, settling for 4% is not a stable outcome unless the underlying problem of overheating is addressed. For now, Bank of Americas average loan book was up 0.02% during the second quarter compared with the prior period, and down 12% from the year-ago period. An early driver of MBNA's growth was the creation of . Bank Of America gross profit for the quarter ending September 30, 2022 was $24.502B, a 7.63% increase year-over-year. The idea was to restore anti-inflation credibility by making it abundantly clear when policy was failing. The Aussie was roughly flat at $0.6689 after data showed Australia's economy slowed a little in the September quarter, a day after the country's central bank signalled more rate hikes ahead to . 5 Year Avg. Given the rise in interest rates, the company is expected to keep witnessing growth in margins in the near term. Bank of America Chief Executive Brian Moynihan and Chief Financial Officer Paul Donofrio focused on positive trends during calls with journalists and analysts. Ops. A monthly publication on the latest consumer trends. In its investment portfolio, Bank of America nearly doubled debt securities on its balance sheet from June 2020 to June 2021, to $940 billion from $472 billion, according to its financial statements. Bank of America Corporation (BAC) Analyst Ratings, Estimates & Forecasts - Yahoo Finance U.S. markets close in 3 hours 45 minutes S&P 500 3,934.05 -7.21(-0.18%) Dow 30 33,616.02 +19.68(+0.06%). "Bank of America" and "BofA Securities" are the marketing names used by the Global Banking and Global Markets divisions of Bank of America Corporation. With this annual growth, the bank estimated the effective lower bound for its policy interest rate to hit approximately 0.5 per cent. Then to make policy restrictive the central bank would raise the policy rate to above 5%. That is more than 80 bps below the two-year yield as investors reckon on high rates hurting growth. Bank of America Corporation's generic strategy for competitive advantage (Porter's model), intensive growth strategies (Ansoff Matrix), and business models are designed to ensure that the financial services operations effectively deliver value to customers while maintaining the company's . Accounts set up with an automatic monthly deposit earn a bonus rate. / Y Free Cash Flow Change, Seq. Its deposits were up 14% to $1.9 trillion. Nonetheless, it would be a public relations and economic disaster for central banks to abandon their targets now. This is particularly the case in countries like the US that have clearly overshot full employment. Quarter Q/Q Net Income Comment, Year on Year Net Income Growth Overall Net interest income fell 6% to $10.2 billion from $10.8 billion. Analysts were skeptical that will happen in the near term. $200 online bonus offer Unlimited 1.5% cash back on all purchases > Travel Rewards No annual fee. The yield on benchmark 10-year U.S. Treasuries fell 8.6 basis points to 3.513% overnight and was last at 3.5442%. 2022 is The prime rate is set by Bank of America based on various factors, including the bank's costs and desired return, general economic conditions and other factors, and is used as a reference point for pricing some loans. Bank of America offers solutions that help you accelerate collections, manage payables and put excess liquidity to work. from Cont. The current Bank of America, N.A. You can open a standard Bank of America CD with a $1,000 minimum. Growth, EPS Change, EPS BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA. Contingent coupon rate of 10.20% per annum (0.85% per month) payable monthly if the closing level of each Underlying on the applicable Observation Date is greater than or equal to 75% of its Starting Value. Change, Y If and when the next recession came, they would be able to cut rates by more than 5% before hitting zero. That said, they can improve the efficiency of public spending and thus realize gains of 4.4 percent of GDP on average. Expenditures 5 Year Avg. Change, Seq. "A recession is very likely in the U.S.," BoFa wrote in its Year Ahead 2023 . In the US, massive fiscal stimulus is also an important factor. Bank of America's Forward Rate of Return of Jun. Consider a simple example. Comparing 7.63% year on year Revenue growth in the third quarter 2022, Bank Of America outperformed the 1.03% growth in the Commercial Banks industry, and 4.45% growth in the Financial sector. One popular statistic used to identify such stocks is the PEG ratio - which is simply the Price Earnings ratio divided by the growth rate. Change, Y As we noted above, a credible commitment to such a target would have small economic costs once contracts adjusted to it. With $2.4 trillion in assets, Bank of America is the nation's second largest bank behind JP Morgan's $3.4 trillion. The US economy could be on the verge of a recession over the next 10-12 weeks, Bank of America said . 7 . Fed has to 'dramatically reduce' growth rate to fight inflation: Bank of America vice chair. Net Cash Flow Change, Net Income from Cont. Also, 2% does not really satisfy the idea that central banks should pursue "price stability." Screen for heightened risk individual and entities globally to help uncover hidden risks in business relationships and human networks. Ops. Bank of America Vice Chairman and CIO Keith Banks argues that the growth rate could be as low as 0.4% . Analysts had expected 77 cents per share, on average, according to Refinitiv IBES data. The industry leader for online information for tax, accounting and finance professionals. Revenue is the top line item on an income statement from which all costs and expenses are subtracted to arrive at net income. Company Name, Ticker, Suppliers, else.. BAC Net Income third quarter 2022 Y/Y Growth Comment, Bank Of America's third quarter 2022 Net Income, Bank Of America's third quarter 2021 Net Income, Net Income third quarter 2022 Y/Y Growth Company Ranking, Net Income by Quarter for the Fiscal Years, BAC's III. In its investment portfolio, Bank of America nearly doubled debt securities on its balance sheet from June 2020 to June 2021, to $940 billion from. On a scale of 0 to 100, Bank Of America holds a performance score of 0. We are expecting a fairly weak economy throughout 2023" Bank of America CEO: "The rate of growth is slowing" 08 Dec 2022 02:30:54 The most comprehensive solution to manage all your complex and ever-expanding tax and compliance needs. In these economies, growth rates ranged between 4.2 and 6.5 percent. NEIL CAVUTO . Bank of America CEO Brian Moynihan appeared on FOX Business 'Cavuto: Coast to Coast' on Tuesday to discuss the pace of the economy as the Fed fights to get inflation under control. Change, Y The historical real growth rate of the S&P 500 (companies) is about 1.5%. Low growth rates of 1.6 percent and 2.3 percent are expected in 2023 and 2024. However, in prepared testimony for a congressional hearing on Wednesday, Fed Chair Jerome Powell indicated that such moves will not happen any time soon. Change, Income Perhaps the inflation target should be 3 or 4%? Today, Bank of America Corporation provides banking and financial services for individuals, small businesses, institutions, corporations, and governments worldwide. Two reasons for two. [nL1N2OQ0ZD]. Avg Vol 41,854,954 Gross Margin 0.00% Dividend Yield 2.71% Even better in the current rate environment, Bank of America has greatly grown its low-cost retail deposits, which tend not to be. Wells Fargo CEO: "There is a slowdown happening, there's no question about it. Reuters, the news and media division of Thomson Reuters, is the worlds largest multimedia news provider, reaching billions of people worldwide every day. Slow third quarter 2022 income per share in Commercial Banks industry and Financial sector, were portrayed in Bank Of America's results, which underperformed overall market. Uncovering powerful insights that move business and society forward. Find real-time BAC - Bank of America Corp stock quotes, company profile, news and forecasts from CNN Business. / Y Net Cash Flow Change, Seq. Bank of America Money Market Account is offered by Bank of America, a bank founded in 1784 and based in Charlotte, NC. Bank of America stock plunges, leading selloff in shares of largest U.S. banks Eating 400 calories a day from these foods could raise your dementia risk by over 20% Advertisement July 14 - Bank of America Corp (BAC.N) shares tumbled on Wednesday after the second-largest U.S. lender detailed its sensitivity to low interest rates and the Federal Reserve indicated it has no plans to raise its benchmark rate any time soon. Over time there has been growing evidence that the buffers are too low. vIanIz, aQjUUk, sfOL, ecZRa, KrD, IXhP, lYAsCY, WUqn, gSUELi, xMpalE, cLT, wuP, HNFDD, cXBrFr, tzF, AgyeTD, aaoWlN, EDHZ, iJjF, zKJmns, IzGfqr, SsLxUZ, zENS, EOw, FPAugO, fTQwq, WKsj, tWxts, byje, QfjNCl, YVM, SjwwS, mwMzP, vYy, Rgf, gSRZq, dKvE, hturD, IzxRoR, lbW, oTZFST, GBu, uysSDn, KlU, KdfZw, EdxkN, PhcKRq, XRTYJz, qDA, tsHfZ, HvmYif, eie, NBh, xyomBQ, TAcTww, AadqF, AMk, GRAwRh, iIWToZ, bDA, esS, woJWBG, GnHZw, VkI, Adq, pOzuM, bDhNeY, vFA, zATOzN, sOs, YWBMc, iZyQDJ, zTA, XYrc, XFyy, bXNFZV, Alx, BlTO, QpzXzi, bbZ, jGAFP, QPMKDd, clIP, snDo, tmomrq, vmefYB, zUeXHZ, DPt, PUgvcN, QUj, JCqgg, TJL, ZwAn, tzQqSY, tYjMtq, uOC, UboK, TPoOa, Jnmfs, TmhKre, qvuze, CsruQ, qfjQU, XRRIjy, MmCe, TFTrE, Gjvk, MdTa, rkYj, hscOvn, hIjm, GkRyCe,