Table 49 : Liabilities and Assets of Regional Rural Banks : 1999 and 2000 (Part 2 of 13) - ஆர்பிஐ - Reserve Bank of India
Table 49 : Liabilities and Assets of Regional Rural Banks : 1999 and 2000
(Part 2 of 13)
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
As on March 31 |
||||||||
Items |
Bara Banki |
Bardhaman |
Bareilly Kshetriya |
|||||
Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(31) |
(32) |
(33) |
(34) |
(35) |
(36) |
1. |
Capital |
100 |
100 |
100 |
100 |
100 |
100 |
|
(0.4) |
(0.4) |
(0.3) |
(0.3) |
(0.6) |
(0.5) |
|||
2. |
Reserves and Surplus |
1268 |
1735 |
821 |
821 |
493 |
855 |
|
(5.4) |
(6.4) |
(2.9) |
(2.5) |
(2.9) |
(4.2) |
|||
3. |
Deposits |
20063 |
23011 |
22282 |
25309 |
14827 |
17433 |
|
(85.0) |
(84.8) |
(77.7) |
(76.2) |
(86.1) |
(85.1) |
|||
3.1. |
Demand deposits |
1300 |
1351 |
166 |
185 |
409 |
455 |
|
3.2. |
Savings bank deposits |
10224 |
11473 |
8476 |
9061 |
8994 |
10482 |
|
3.3. |
Term deposits |
8540 |
10187 |
13640 |
16064 |
5423 |
6496 |
|
4. |
Borrowings |
1308 |
1434 |
989 |
1052 |
1443 |
1906 |
|
(5.5) |
(5.3) |
(3.5) |
(3.2) |
(8.4) |
(9.3) |
|||
4.1. |
From banks* |
118 |
119 |
43 |
85 |
|
1906 |
|
4.2. |
From others |
1190 |
1315 |
946 |
967 |
1443 |
|
|
5. |
Other liabilities |
851 |
850 |
4468 |
5943 |
355 |
193 |
|
(3.6) |
(3.1) |
(15.6) |
(17.9) |
(2.1) |
(0.9) |
|||
5.1. |
Bills Payable |
36 |
59 |
164 |
78 |
|
27 |
|
5.2. |
Inter-office adjustments |
17 |
32 |
|
21 |
1 |
|
|
5.3. |
Interest accrued |
|
23 |
2927 |
4505 |
104 |
84 |
|
|
5.4. |
Others (including provisions) |
798 |
737 |
1377 |
1339 |
250 |
82 |
|
Total Liabilities |
23590 |
27130 |
28660 |
33225 |
17219 |
20486 |
|
1. |
Cash in hand |
354 |
701 |
229 |
267 |
330 |
287 |
|
(1.5) |
(2.6) |
(0.8) |
(0.8) |
(1.9) |
(1.4) |
|||
2. |
Balances with RBI |
603 |
639 |
716 |
784 |
450 |
520 |
|
(2.6) |
(2.4) |
(2.5) |
(2.4) |
(2.6) |
(2.5) |
|||
3. |
Balances with banks in India |
6093 |
7263 |
9075 |
9796 |
6098 |
8557 |
|
(25.8) |
(26.8) |
(31.7) |
(29.5) |
(35.4) |
(41.8) |
|||
4. |
Money at call and short notice |
|
|
|
|
|
|
|
() |
() |
() |
() |
() |
() |
|||
5. |
Investments |
10680 |
13063 |
8887 |
11123 |
3140 |
3040 |
|
(45.3) |
(48.1) |
(31.0) |
(33.5) |
(18.2) |
(14.8) |
|||
6. |
Advances |
3756 |
4455 |
6206 |
7284 |
3922 |
4936 |
|
(15.9) |
(16.4) |
(21.7) |
(21.9) |
(22.8) |
(24.1) |
|||
6.1. |
Bills purchased and discounted |
|
|
|
|
|
|
|
6.2. |
Cash credits, overdrafts & loans |
1002 |
2118 |
423 |
502 |
3922 |
|
|
6.3. |
Term loans |
2754 |
2337 |
5783 |
6782 |
|
4936 |
|
7. |
Fixed Assets |
21 |
20 |
21 |
28 |
13 |
13 |
|
(0.1) |
(0.1) |
(0.1) |
(0.1) |
(0.1) |
(0.1) |
|||
8. |
Other Assets |
2082 |
988 |
3526 |
3944 |
3266 |
3133 |
|
(8.8) |
(3.6) |
(12.3) |
(11.9) |
(19.0) |
(15.3) |
|||
8.1. |
Inter - office adjustments (net) |
|
|
44 |
|
|
70 |
|
8.2. |
Interest accrued |
1937 |
876 |
2842 |
3356 |
1097 |
1396 |
|
|
8.3. |
Others |
144 |
112 |
639 |
588 |
2169 |
1667 |
Total Assets |
23590 |
27130 |
28660 |
33225 |
17219 |
20486 |
||
|
|
|
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
As on March 31 |
||||||||
Items |
Bastar Kshetriya |
Basti Gramin |
Begusarai Kshetriya |
|||||
Gramin Bank |
Bank |
Gramin Bank |
||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(37) |
(38) |
(39) |
(40) |
(41) |
(42) |
1. |
Capital |
100 |
100 |
100 |
100 |
100 |
100 |
|
(1.3) |
(1.1) |
(0.3) |
(0.3) |
(2.1) |
(1.9) |
|||
2. |
Reserves and Surplus |
|
|
653 |
1919 |
200 |
283 |
|
() |
() |
(2.3) |
(5.9) |
(4.2) |
(5.3) |
|||
3. |
Deposits |
6028 |
7183 |
21291 |
24261 |
3819 |
4154 |
|
(77.2) |
(80.6) |
(73.5) |
(74.6) |
(80.6) |
(78.1) |
|||
3.1. |
Demand deposits |
675 |
1074 |
1046 |
1450 |
495 |
287 |
|
3.2. |
Savings bank deposits |
2294 |
2587 |
12521 |
14006 |
1683 |
1904 |
|
3.3. |
Term deposits |
3058 |
3523 |
7724 |
8805 |
1641 |
1963 |
|
4. |
Borrowings |
291 |
300 |
2038 |
2005 |
137 |
124 |
|
(3.7) |
(3.4) |
(7.0) |
(6.2) |
(2.9) |
(2.3) |
|||
4.1. |
From banks* |
|
|
132 |
150 |
|
|
|
4.2. |
From others |
291 |
300 |
1906 |
1855 |
137 |
124 |
|
5. |
Other liabilities |
1391 |
1331 |
4881 |
4224 |
480 |
659 |
|
(17.8) |
(14.9) |
(16.9) |
(13.0) |
(10.1) |
(12.4) |
|||
5.1. |
Bills Payable |
475 |
179 |
58 |
76 |
|
|
|
5.2. |
Inter-office adjustments |
|
|
115 |
47 |
|
|
|
5.3. |
Interest accrued |
584 |
796 |
2282 |
2752 |
256 |
394 |
|
|
5.4. |
Others (including provisions) |
332 |
356 |
2425 |
1349 |
224 |
265 |
|
Total Liabilities |
7810 |
8914 |
28964 |
32509 |
4736 |
5321 |
|
1. |
Cash in hand |
49 |
53 |
201 |
296 |
105 |
192 |
|
(0.6) |
(0.6) |
(0.7) |
(0.9) |
(2.2) |
(3.6) |
|||
2. |
Balances with RBI |
213 |
245 |
760 |
815 |
121 |
125 |
|
(2.7) |
(2.7) |
(2.6) |
(2.5) |
(2.6) |
(2.3) |
|||
3. |
Balances with banks in India |
2902 |
3400 |
1275 |
16609 |
2165 |
2295 |
|
(37.2) |
(38.1) |
(4.4) |
(51.1) |
(45.7) |
(43.1) |
|||
4. |
Money at call and short notice |
|
|
10043 |
|
|
|
|
() |
() |
(34.7) |
() |
() |
() |
|||
5. |
Investments |
47 |
47 |
8297 |
7478 |
915 |
1280 |
|
(0.6) |
(0.5) |
(28.6) |
(23.0) |
(19.3) |
(24.1) |
|||
6. |
Advances |
1421 |
1618 |
6344 |
5543 |
706 |
804 |
|
(18.2) |
(18.2) |
(21.9) |
(17.1) |
(14.9) |
(15.1) |
|||
6.1. |
Bills purchased and discounted |
|
|
|
|
1 |
2 |
|
6.2. |
Cash credits, overdrafts & loans |
452 |
491 |
1321 |
805 |
59 |
0 |
|
6.3. |
Term loans |
969 |
1127 |
5023 |
4738 |
646 |
803 |
|
7. |
Fixed Assets |
6 |
5 |
17 |
17 |
11 |
10 |
|
(0.1) |
(0.1) |
(0.1) |
(0.1) |
(0.2) |
(0.2) |
|||
8. |
Other Assets |
3173 |
3546 |
2027 |
1752 |
712 |
614 |
|
(40.6) |
(39.8) |
(7.0) |
(5.4) |
(15.0) |
(11.5) |
|||
8.1. |
Inter - office adjustments (net) |
159 |
69 |
|
|
7 |
40 |
|
8.2. |
Interest accrued |
74 |
89 |
1944 |
1621 |
245 |
364 |
|
|
8.3. |
Others |
2940 |
3388 |
83 |
131 |
460 |
211 |
Total Assets |
7810 |
8914 |
28964 |
32509 |
4736 |
5321 |
||
|
|
|
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
As on March 31 |
||||||||
Items |
Bhagalpur Banka |
Bhagirath |
Bhandara |
|||||
Kshetriya Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
1. |
Capital |
100 |
100 |
100 |
100 |
100 |
100 |
|
(1.0) |
(0.7) |
(0.3) |
(0.2) |
(1.4) |
(1.0) |
|||
2. |
Reserves and Surplus |
183 |
310 |
3855 |
5449 |
|
1295 |
|
(1.8) |
(2.3) |
(10.4) |
(13.0) |
(0.0) |
(13.0) |
|||
3. |
Deposits |
4829 |
6107 |
29563 |
32832 |
6061 |
7336 |
|
(47.0) |
(44.8) |
(79.6) |
(78.0) |
(83.3) |
(73.4) |
|||
3.1. |
Demand deposits |
258 |
383 |
3194 |
3320 |
74 |
89 |
|
3.2. |
Savings bank deposits |
1984 |
2302 |
16956 |
18791 |
2580 |
3087 |
|
3.3. |
Term deposits |
2586 |
3422 |
9413 |
10720 |
3407 |
4159 |
|
4. |
Borrowings |
361 |
288 |
2082 |
2106 |
669 |
915 |
|
(3.5) |
(2.1) |
(5.6) |
(5.0) |
(9.2) |
(9.2) |
|||
4.1. |
From banks* |
|
|
290 |
315 |
75 |
92 |
|
4.2. |
From others |
361 |
288 |
1792 |
1791 |
594 |
823 |
|
5. |
Other liabilities |
4812 |
6830 |
1557 |
1573 |
442 |
346 |
|
(46.8) |
(50.1) |
(4.2) |
(3.8) |
(6.1) |
(3.5) |
|||
5.1. |
Bills Payable |
|
|
552 |
69 |
|
|
|
5.2. |
Inter-office adjustments |
4053 |
5774 |
|
104 |
|
|
|
5.3. |
Interest accrued |
411 |
699 |
19 |
16 |
|
|
|
|
5.4. |
Others (including provisions) |
348 |
358 |
986 |
1384 |
442 |
346 |
|
Total Liabilities |
10284 |
13636 |
37156 |
42080 |
7272 |
9992 |
|
1. |
Cash in hand |
42 |
41 |
496 |
670 |
69 |
93 |
|
(0.4) |
(0.3) |
(1.3) |
(1.6) |
(0.9) |
(0.9) |
|||
2. |
Balances with RBI |
160 |
200 |
827 |
902 |
174 |
200 |
|
(1.6) |
(1.5) |
(2.2) |
(4.1) |
(2.4) |
(2.0) |
|||
3. |
Balances with banks in India |
2696 |
3977 |
17771 |
22208 |
1890 |
2771 |
|
(26.2) |
(29.2) |
(47.8) |
(51.7) |
(26.0) |
(27.7) |
|||
4. |
Money at call and short notice |
|
|
|
|
|
1295 |
|
() |
() |
() |
() |
() |
(13.0) |
|||
5. |
Investments |
426 |
433 |
8618 |
8543 |
549 |
570 |
|
(4.1) |
(3.2) |
(23.2) |
(20.3) |
(7.5) |
(5.7) |
|||
6. |
Advances |
2109 |
2158 |
4888 |
4979 |
2767 |
3122 |
|
(20.5) |
(15.8) |
(13.2) |
(11.0) |
(38.1) |
(31.2) |
|||
6.1. |
Bills purchased and discounted |
3 |
2 |
|
|
|
|
|
6.2. |
Cash credits, overdrafts & loans |
160 |
181 |
4887 |
4979 |
1051 |
1256 |
|
6.3. |
Term loans |
1946 |
1975 |
|
|
1716 |
1865 |
|
7. |
Fixed Assets |
27 |
26 |
31 |
39 |
27 |
28 |
|
(0.3) |
(0.2) |
(0.1) |
() |
(0.4) |
(0.3) |
|||
8. |
Other Assets |
4824 |
6801 |
4525 |
4739 |
1796 |
1913 |
|
(46.9) |
(49.9) |
(12.2) |
(11.3) |
(24.7) |
(19.1) |
|||
8.1. |
Inter - office adjustments (net) |
4070 |
5815 |
419 |
|
90 |
130 |
|
8.2. |
Interest accrued |
258 |
382 |
4009 |
4648 |
|
|
|
|
8.3. |
Others |
495 |
603 |
97 |
91 |
1706 |
1783 |
Total Assets |
10284 |
13636 |
37156 |
42080 |
7272 |
9992 |
||
|
|
|
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
As on March 31 |
||||||||
Items |
Bhilwara-Ajmer |
Bhojpur Rohtas |
Bijapur |
|||||
Kshetriya Gramin Bank |
Gramin Bank |
Gramin Bank |
||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
1. |
Capital |
100 |
100 |
100 |
100 |
100 |
100 |
|
(0.8) |
(0.7) |
(0.2) |
(0.2) |
(0.5) |
(0.3) |
|||
2. |
Reserves and Surplus |
658 |
658 |
2130 |
2130 |
1374 |
2732 |
|
(5.1) |
(4.4) |
(4.4) |
(4.0) |
(6.4) |
(9.0) |
|||
3. |
Deposits |
9467 |
11209 |
40647 |
45937 |
12597 |
19801 |
|
(74.0) |
(75.6) |
(84.1) |
(86.7) |
(59.1) |
(65.0) |
|||
3.1. |
Demand deposits |
671 |
654 |
1371 |
1506 |
285 |
310 |
|
3.2. |
Savings bank deposits |
2722 |
2906 |
19173 |
20459 |
4723 |
7022 |
|
3.3. |
Term deposits |
6074 |
7649 |
20104 |
23973 |
7590 |
12468 |
|
4. |
Borrowings |
1618 |
1841 |
2504 |
2301 |
5278 |
5190 |
|
(12.7) |
(12.4) |
(5.2) |
(4.3) |
(24.8) |
(17.0) |
|||
4.1. |
From banks* |
98 |
1841 |
2504 |
|
1034 |
1214 |
|
4.2. |
From others |
1520 |
|
|
2301 |
4244 |
3976 |
|
5. |
Other liabilities |
942 |
1016 |
2956 |
2540 |
1974 |
2661 |
|
(7.4) |
(6.9) |
(6.1) |
(4.8) |
(9.3) |
(8.7) |
|||
5.1. |
Bills Payable |
26 |
13 |
|
|
202 |
40 |
|
5.2. |
Inter-office adjustments |
|
|
|
|
235 |
747 |
|
5.3. |
Interest accrued |
88 |
104 |
75 |
70 |
175 |
125 |
|
|
5.4. |
Others (including provisions) |
828 |
898 |
2882 |
2470 |
1362 |
1749 |
|
Total Liabilities |
12785 |
14824 |
48337 |
53008 |
21322 |
30483 |
|
1. |
Cash in hand |
198 |
191 |
745 |
1022 |
377 |
296 |
|
(1.5) |
(1.3) |
(1.5) |
(1.9) |
(1.8) |
(1.0) |
|||
2. |
Balances with RBI |
274 |
328 |
1302 |
1496 |
394 |
576 |
|
(2.1) |
(2.2) |
(2.7) |
(2.8) |
(1.8) |
(1.9) |
|||
3. |
Balances with banks in India |
4371 |
5052 |
2797 |
2655 |
365 |
220 |
|
(34.2) |
(34.1) |
(5.8) |
(5.0) |
(1.7) |
(0.7) |
|||
4. |
Money at call and short notice |
|
|
12676 |
7912 |
5792 |
7695 |
|
() |
() |
(26.2) |
(14.9) |
(27.2) |
(25.2) |
|||
5. |
Investments |
1579 |
1439 |
14610 |
22464 |
2033 |
4118 |
|
(12.3) |
(9.7) |
(30.2) |
(42.4) |
(9.5) |
(13.5) |
|||
6. |
Advances |
5464 |
6814 |
11285 |
12167 |
11705 |
15691 |
|
(42.7) |
(46.0) |
(23.3) |
(23.0) |
(54.9) |
(51.5) |
|||
6.1. |
Bills purchased and discounted |
44 |
26 |
|
367 |
3 |
|
|
6.2. |
Cash credits, overdrafts & loans |
1217 |
1838 |
1834 |
2134 |
5386 |
8379 |
|
6.3. |
Term loans |
4203 |
4951 |
9452 |
9666 |
6316 |
7311 |
|
7. |
Fixed Assets |
33 |
32 |
43 |
59 |
84 |
98 |
|
(0.3) |
(0.2) |
(0.1) |
(0.1) |
(0.4) |
(0.3) |
|||
8. |
Other Assets |
867 |
968 |
4879 |
5232 |
572 |
1788 |
|
(6.8) |
(6.5) |
(10.1) |
(9.9) |
(2.7) |
(5.9) |
|||
8.1. |
Inter - office adjustments (net) |
159 |
38 |
539 |
838 |
|
|
|
8.2. |
Interest accrued |
279 |
739 |
2788 |
3331 |
477 |
986 |
|
|
8.3. |
Others |
428 |
190 |
1553 |
1063 |
94 |
802 |
Total Assets |
12785 |
14824 |
48337 |
53008 |
21322 |
30483 |
||
|
|
|
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
|
|
|
|
|
|
|
(Amount in Rs. lakh) |
|
As on March 31 |
||||||||
Items |
Bikaner |
Bilaspur Raipur |
Bolangir Anchalik |
|||||
Kshetriya Gramin Bank |
Kshetriya Gramin Bank |
Gramin Bank |
||||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|||
|
|
|
(55) |
(56) |
(57) |
(58) |
(59) |
(60) |
1. |
Capital |
100 |
100 |
100 |
100 |
100 |
100 |
|
(3.1) |
(2.4) |
(0.4) |
(0.4) |
(0.4) |
(0.4) |
|||
2. |
Reserves and Surplus |
|
|
1545 |
3390 |
|
1459 |
|
() |
() |
(6.8) |
(12.6) |
() |
(5.5) |
|||
3. |
Deposits |
2177 |
2537 |
17228 |
19717 |
16664 |
19214 |
|
(68.0) |
(60.4) |
(75.8) |
(73.2) |
(74.2) |
(72.5) |
|||
3.1. |
Demand deposits |
92 |
98 |
1334 |
1548 |
1500 |
1150 |
|
3.2. |
Savings bank deposits |
548 |
605 |
6929 |
7956 |
8123 |
9365 |
|
3.3. |
Term deposits |
1537 |
1834 |
8965 |
10213 |
7040 |
8699 |
|
4. |
Borrowings |
591 |
679 |
1399 |
702 |
3130 |
2528 |
|
(18.5) |
(16.2) |
(6.2) |
(2.6) |
(13.9) |
(9.5) |
|||
4.1. |
From banks* |
14 |
23 |
211 |
13 |
553 |
534 |
|
4.2. |
From others |
577 |
656 |
1188 |
689 |
2578 |
1994 |
|
5. |
Other liabilities |
331 |
884 |
2444 |
3041 |
2577 |
3216 |
|
(10.4) |
(21.1) |
(10.8) |
(11.3) |
(11.5) |
(12.1) |
|||
5.1. |
Bills Payable |
4 |
14 |
|
|
316 |
207 |
|
5.2. |
Inter-office adjustments |
7 |
|
|
|
|
|
|
5.3. |
Interest accrued |
207 |
316 |
1569 |
2129 |
1416 |
1994 |
|
|
5.4. |
Others (including provisions) |
114 |
554 |
875 |
913 |
845 |
1014 |
|
Total Liabilities |
3199 |
4199 |
22716 |
26950 |
22472 |
26517 |
|
1. |
Cash in hand |
7 |
8 |
146 |
194 |
194 |
188 |
|
(0.2) |
(0.2) |
(0.6) |
(0.7) |
(0.9) |
(0.7) |
|||
2. |
Balances with RBI |
80 |
85 |
576 |
636 |
550 |
731 |
|
(2.5) |
(2.0) |
(2.5) |
(2.4) |
(2.4) |
(2.8) |
|||
3. |
Balances with banks in India |
38 |
1396 |
10272 |
13688 |
906 |
893 |
|
(1.2) |
(33.2) |
(45.2) |
(50.8) |
(4.0) |
(3.4) |
|||
4. |
Money at call and short notice |
1027 |
|
|
|
5372 |
7943 |
|
(32.1) |
() |
() |
() |
(23.9) |
(30.0) |
|||
5. |
Investments |
105 |
95 |
1633 |
1483 |
555 |
331 |
|
(3.3) |
(2.3) |
(7.2) |
(5.5) |
(2.5) |
(1.2) |
|||
6. |
Advances |
1247 |
1858 |
5041 |
5016 |
5183 |
5744 |
|
(39.0) |
(44.2) |
(22.2) |
(18.6) |
(23.1) |
(21.7) |
|||
6.1. |
Bills purchased and discounted |
2 |
|
|
|
|
|
|
6.2. |
Cash credits, overdrafts & loans |
358 |
613 |
1938 |
2035 |
2213 |
2469 |
|
6.3. |
Term loans |
888 |
1245 |
3102 |
2981 |
2971 |
3275 |
|
7. |
Fixed Assets |
15 |
18 |
13 |
12 |
24 |
27 |
|
(0.5) |
(0.4) |
(0.1) |
() |
(0.1) |
(0.1) |
|||
8. |
Other Assets |
681 |
739 |
5036 |
5921 |
9689 |
10659 |
|
(21.3) |
(17.6) |
(22.2) |
(22.0) |
(43.1) |
(40.2) |
|||
8.1. |
Inter - office adjustments (net) |
|
5 |
182 |
311 |
98 |
102 |
|
8.2. |
Interest accrued |
54 |
114 |
1034 |
1810 |
698 |
267 |
|
|
8.3. |
Others |
626 |
620 |
3820 |
3800 |
8894 |
10290 |
Total Assets |
3199 |
4199 |
22716 |
26950 |
22472 |
26517 |
||
|
|
|
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
(100.0) |
Notes |
|
1. |
Figures in bracket indicate per cent share in total. |
2. |
* : Including Reserve Bank of India. |
Source |
: Annual accounts of banks of respective years. |