News
Water at the heart of new construction in Haarlem
14/07/2025 | Focus on water quality, biodiversity, climate adaptation and affordable housing. Six parties are exploring how new housing and area development can be integrated with water conservation, reuse and smart water management in a new neighbourhood on Korte Verspronckweg in Haarlem.
Water at the heart of new construction in HaarlemImportant step taken in the financing of the National Climate Adaptation Strategy (NAS)
14/07/2025 | The National Adaptation Strategy (NAS) is the overarching policy framework through which the Netherlands prepares for the consequences of climate change. Led by the Ministry of Infrastructure and Water Management, the Dutch national government is working on an update of the NAS in 2026. A key component of the NAS is broadening climate financing for adaptation.
Important step taken in the financing of the National Climate Adaptation Strategy (NAS)NWB Bank joins De WaterBank cooperative to promote sustainable water use in the Netherlands
26/06/2025 | ‘Water is becoming increasingly scarce, and we share a responsibility to use it wisely. We all have a role to play in ensuring the water value chain is sustainable,’ says Lidwin van Velden, CEO of NWB Bank.
NWB Bank joins De WaterBank cooperative to promote sustainable water use in the NetherlandsOur Sustainalytics ESG risk rating has improved!
28/05/2025 | The risk rating decreased from 9.4 to 8.0 placing us amongst the 100 companies within the global universe with the lowest risk rating according to Sustainalytics.
Our Sustainalytics ESG risk rating has improved!NWB Bank issues its first EURO benchmark of 2025 - 5Y EUR 2 bln
21/05/2025 | On Thursday 15th of May 2025, we have successfully issued a 5-year EUR 2 billion benchmark bond. This benchmark bond shows our commitment to the EURO investor base. The issuance has been met with a large demand of over EUR 4.3 bln. allowing us to achieve a EUR 2 bln. size, matching the largest issuance by NWB Bank. The proceeds of this bond are used to finance the Dutch public sector clients of NWB Bank. In our funding plan for 2025 we expect to raise €11 to 13 billion long-term funds in the international capital markets, of which approximately 60% is completed.
NWB Bank issues its first EURO benchmark of 2025 - 5Y EUR 2 blnMaarten Otto appointed as new commissioner to the supervisory board of the NWB Bank
17/04/2025 | Maarten Otto is appointed as new commissioner to the supervisory board of the NWB Bank in the shareholders meeting of 17th April 2025. He is the successor of Frida van den Maagdenberg, who resigns due to reaching her maximum term.
Maarten Otto appointed as new commissioner to the supervisory board of the NWB BankNWB Bank finances GeoThermie Delft
03/04/2025 | The NWB Bank enters a new sustainable market, the one of geothermal heat. The NWB Bank has found an agreement with GeoThermie Delft on financing the new geothermal heat source.
NWB Bank finances GeoThermie DelftNWB Bank enters the USD capital markets for the second time in 2025 with the successful issuance of a 3-year USD 1.25 billion benchmark deal (RegS/144A)
31/03/2025 | “This transaction proves the strong appeal and quality of NWB Bank in the international capital markets and helps achieving advantageous financing conditions for the Dutch public sector”, says Tiemo Wesseling, head of Treasury of NWB Bank.
NWB Bank enters the USD capital markets for the second time in 2025 with the successful issuance of a 3-year USD 1.25 billion benchmark deal (RegS/144A)NWB Bank acquires part of the loan portfolio from ASN Energie & Innovatiefonds
19/03/2025 | NWB Bank and ASN Energie & Innovatiefonds (formerly known as ASN Groenprojectenfonds), a fund managed by ASN Impact Investors, have reached an agreement on the acquisition by NWB Bank of part of ASN Energie & Innovatiefonds’ sustainability loan portfolio.
NWB Bank acquires part of the loan portfolio from ASN Energie & InnovatiefondsNWB Bank finances growing public sector investment needs
19/03/2025 | NWB Bank provided significantly more loans in 2024 than in the previous year, according to its annual report.
NWB Bank finances growing public sector investment needs2025 NWB Bank capital market funding kicks off with successful issuance of 5-year USD 1.5 billion SDG Housing Bond
13/01/2025 | On Thursday 9 January, we have successfully issued a 5-year USD 1.5 billion SDG Housing Bond. This benchmark bond is the first international capital markets issuance of our total funding plan for 2025. We expect to raise €11 to 13 billion long-term funds this year and the proceeds of this particular bond will be used for the financing of housing associations in the Netherlands.
2025 NWB Bank capital market funding kicks off with successful issuance of 5-year USD 1.5 billion SDG Housing BondAnniversary seminar NWB Bank on financing climate adaptation
10/01/2025 | On Thursday 9 January, our bank celebrated its 70th anniversary with a special seminar on financing climate adaptation. It was a great success and the need for action was palpable among the speakers and guests present.
Anniversary seminar NWB Bank on financing climate adaptationCapital requirement 2025 for NWB Bank
12/12/2024 | The European Central Bank (ECB) has updated the capital buffer requirement imposed on NWB Bank as part of the yearly Supervisory Review and Evaluation Process (SREP). The requirement for the bank specific Pillar 2 requirement remains unchanged and is determined at 2.25 percent. The updated capital requirement is effective from 1 January 2025.
Capital requirement 2025 for NWB BankNWB Bank publishes ESG transition plan
17/10/2024 | This plan, which is the successor of the bank’s climate action plan published in 2022, describes which steps we will take to ensure a positive contribution to climate, nature and society.
NWB Bank publishes ESG transition planTogether we make the sustainable transition possible
10/10/2024 | NWB Bank enables the transition to a sustainable economy, not only in the Netherlands, but also on a European level.
Together we make the sustainable transition possibleSuccessful issuance of a 3-year EUR 1.75bln benchmark deal
06/09/2024 | Last Wednesday, we successfully issues a 3-year benchmark bond. Despite apparently challenging market conditions, we managed to attract € 1.75 billion funding at an attractive spread of +9 basis points.
Successful issuance of a 3-year EUR 1.75bln benchmark dealHalf-year figures 2024: NWB Bank sees increase in public sector investments
30/08/2024 | In the first six months of 2024, our loan portfolio grew to a new record level of €55.9 billion. We lent a total of €4.4 billion to our clients which is considerably more than in the first six months last year. We raised €6.1 billion in funding on the international capital market, of which €3.9 billion with ESG bonds. Net profit for the first six months was €58 million and our capital and liquidity ratios remain as strong as ever.
Half-year figures 2024: NWB Bank sees increase in public sector investmentsNWB Bank issues 7-year EUR 1 billion Benchmark Water Bond
05/06/2024 | On Wednesday, 29th May 2024, the Nederlandse Waterschapsbank N.V. (NWB Bank), rated Aaa/AAA, issued a 7-year EUR 1 billion Water Bond to support NWB Bank’s lending to the Dutch water authorities.
NWB Bank issues 7-year EUR 1 billion Benchmark Water BondAppointment Wilma Schouten as CFO and Geert Embrechts as Supervisory Board member of NWB Bank
13/05/2024 | Wilma Schouten is appointed as new CFO and statutory member of the Managing Board of NWB Bank during an Extraordinary General Meeting of Shareholders at 13 May. On his turn, Geert Embrechts is appointed as new member of the Supervisory Board.
Appointment Wilma Schouten as CFO and Geert Embrechts as Supervisory Board member of NWB BankJoanne Kellermann reappointed as chair of NWB Bank’s Supervisory Board
04/04/2024 | Joanne Kellermann has been reappointed for another period of 4 years as chair of NWB Bank’s Supervisory Board. This so happened at the Annual General Meeting at 4 April.
Joanne Kellermann reappointed as chair of NWB Bank’s Supervisory BoardAnnual figures 2023: NWB Bank more relevant than ever
21/03/2024 | As a bank of and for the Dutch public sector, NWB Bank is committed to the fight against climate change. The climate footprint of the bank’s loan portfolio has continued to decrease, even though the size of this portfolio grew to a record €54 billion last year. Net profit for 2023 reached €126 million, of which €60 million will be distributed as dividends to the bank’s shareholders: the water authorities, the Dutch state and several provinces.
Annual figures 2023: NWB Bank more relevant than everNWB Bank and EIB join forces to improve flood protection and surface water quality in the Netherlands
14/02/2024 | The European Investment Bank (EIB) and the Nederlandse Waterschapsbank (NWB Bank) have signed a €200 million loan agreement to improve flood protection and water quality in the Netherlands.
NWB Bank and EIB join forces to improve flood protection and surface water quality in the NetherlandsAndré ten Damme new member Supervisory Board
01/12/2023 | During an extraordinary general meeting of shareholders André ten Damme has been appointed member of the Supervisory Board and chair of the Audit Committee of NWB Bank.
André ten Damme new member Supervisory BoardCapital requirement 2024 for NWB Bank
01/12/2023 | The European Central Bank (ECB) has updated the capital buffer requirement imposed on NWB Bank as part of the yearly Supervisory Review and Evaluation Process (SREP).
Capital requirement 2024 for NWB BankHalf-year figures 2023: NWB Bank strengthens its position as the go-to financing partner for enhancing sustainability in the Netherlands
24/08/2023 | In the past six months, we have further strengthened our position as the financing partner of choice for enhancing sustainability in the Netherlands.
Half-year figures 2023: NWB Bank strengthens its position as the go-to financing partner for enhancing sustainability in the NetherlandsNWB Bank declares a dividend of €60 million and (re)appoints members to the Managing Board and Supervisory Board
19/04/2023 | Resolutions passed during the Annual General Meeting of Shareholders
NWB Bank declares a dividend of €60 million and (re)appoints members to the Managing Board and Supervisory BoardSupervisory Board member Lex van Overmeire passed away
07/04/2023 | It is with great sadness that we have learned of the death of our Supervisory Board member.
Supervisory Board member Lex van Overmeire passed awayAnnual figures 2022: Loan portfolio grows to record level; €9.6 billion in new lending; and on track with climate action plan
10/03/2023 | NWB Bank provided a total of €9.6 billion in financing to its clients in the Dutch public sector and renewable energy projects in 2022.
Annual figures 2022: Loan portfolio grows to record level; €9.6 billion in new lending; and on track with climate action planMelchior de Bruijne to step down as CFO of NWB NWB Bank
19/01/2023 | Melchior de Bruijne will step down as CFO and statutory director of NWB Bank in the upcoming Annual General Meeting at 20 April.
Melchior de Bruijne to step down as CFO of NWB NWB BankCapital requirement 2023 for NWB Bank
27/12/2022 | The European Central Bank (ECB) has updated the capital buffer requirement imposed on NWB Bank as part of the yearly Supervisory Review and Evaluation Process (SREP). The requirement for the bank specific Pillar 2 requirement is determined at 2.25 percent. The updated capital requirement is effective on 1 January 2023.
Capital requirement 2023 for NWB BankOutcome of EU-wide Transparency Exercise 2022
14/12/2022 | NWB Bank notes the announcements made by the European Banking Authority and European Central Bank on the 9th of December with regard to the information contained in the 2022 EU-wide Transparency Exercise.
Outcome of EU-wide Transparency Exercise 2022Half-year figures 2022: NWB Bank on track as the sustainable water bank, even in uncertain times
26/08/2022 | In the first half of 2022, NWB Bank provided €4.0 billion in social and sustainable lending to the Dutch public sector. Despite the uncertain geopolitical and economic times, we were also able to meet our own funding requirement on favourable terms in the past six months. Net profit for the first six months of 2022 amounted to €80 million. Total assets at the end of June were €91 billion.
Half-year figures 2022: NWB Bank on track as the sustainable water bank, even in uncertain timesLidwin van Velden elected as new President of the European Association of Public Banks
01/07/2022 | Our CEO Lidwin van Velden has today been elected as new President of the European Association of Public Banks. The elections for the Administrative Board were held at the General Assembly in Milan. The next two years, Lidwin will actively seek to promote the interests of public banks and institutions in Europe, especially when it comes to increasing sustainability.
Lidwin van Velden elected as new President of the European Association of Public BanksNWB Bank publishes its climate action plan
14/04/2022 | Today, at our Annual General Meeting, we have presented our climate action plan. This plan describes how we will help to reduce carbon emissions to meet the Paris targets.
NWB Bank publishes its climate action planAnnual figures 2021: larger impact through increased lending and reduced carbon emissions
18/03/2022 | In 2021, NWB Bank granted a record amount of loans to its clients in the Dutch public sector. Total lending amounted to €12.1 billion compared to €10.3 billion in 2021.
Annual figures 2021: larger impact through increased lending and reduced carbon emissionsNWB Bank issues first Kauri Bond
20/02/2022 | NWB Bank has for the first time issued a bond under local New Zealand law, a 5-year NZD 250 million SDG Housing Bond.
NWB Bank issues first Kauri BondCapital requirement updated for NWB Bank
26/01/2022 | The European Central Bank (ECB) has updated the capital buffer requirement imposed on NWB Bank as part of the yearly Supervisory Review and Evaluation Process (SREP). The requirement for the bank specific Pillar 2 requirement has been set at 2 percent.
Capital requirement updated for NWB BankNWB Bank successfully issues another benchmark SDG Housing Bond
13/01/2022 | With great success, NWB Bank has issued a 10-year € 1.75 billion SDG Housing Bond.
NWB Bank successfully issues another benchmark SDG Housing BondOutcome of EU-wide Transparency Exercise 2021
06/12/2021 | NWB Bank notes the announcements made by the European Banking Authority and European Central Bank on the 3rd of December with regard to the information contained in the 2021 EU-wide Transparency Exercise.
Outcome of EU-wide Transparency Exercise 2021NWB Bank successfully issues another benchmark SDG Housing Bond
24/09/2021 | With great success, NWB Bank has issued a 25-year € 1 billion SDG Housing Bond. The proceeds of this and other SDG Housing Bonds are used for the financing of affordable, and sustainable social housing in the Netherlands.
NWB Bank successfully issues another benchmark SDG Housing BondLex van Overmeire new member of the Supervisory Board of NWB Bank
10/09/2021 | Today, during an extraordinary general meeting (EGM), Lex van Overmeire has been appointed as new member of the Supervisory Board of NWB Bank.
Lex van Overmeire new member of the Supervisory Board of NWB BankNWB Bank sees lending and profit increase in first half of 2021
27/08/2021 | NWB Bank saw its lending and profit increase in the first six months of 2021. Lending in the first half of the year amounted to €6.1 billion compared with €4.1 billion last year. Net profit for the first half of 2021 amounted to €67.0 million (H1 2020: €39.4 million).
NWB Bank sees lending and profit increase in first half of 2021NWB Bank successfully issues benchmark SDG Housing Bond
26/08/2021 | With great success, NWB Bank has issued a 10-year € 1 billion SDG Housing Bond. The proceeds of this and other SDG Housing Bonds are used for the financing of affordable, and sustainable social housing in the Netherlands.
NWB Bank successfully issues benchmark SDG Housing BondNWB Bank publishes its half-year results on 27 August
25/08/2021 | NWB Bank will publish its half-year results on Friday the 27th of August.
NWB Bank publishes its half-year results on 27 AugustStress test European Banking Authority confirms strong capital position NWB Bank
30/07/2021 | NWB Bank has, as a significant bank, participated in the European Banking Authority (EBA) stress test exercise.
Stress test European Banking Authority confirms strong capital position NWB BankAnnual Report 2020 available
15/04/2021 | Today, the Annual General Meeting of Shareholders of NWB Bank was held. The Annual Report 2020 is now available.
Annual Report 2020 availableNWB Bank has insight into the climate impact of 94.5% of its loan portfolio
23/03/2021 | NWB Bank has now charted the climate impact of 94.5% of its credit portfolio. NWB Bank's loan portfolio had total emissions of 1,594,836 tonnes of CO2 equivalent at year-end 2019. This is 135,284 tonnes less than the total at year-end 2018.
NWB Bank has insight into the climate impact of 94.5% of its loan portfolioAnnual figures 2020: NWB Bank fulfils its sustainable mission also during the COVID-19 pandemic
18/03/2021 | In 2020, NWB Bank again provided more than €10 billion of financing to the Dutch public sector. Clients are using these loans to enhance sustainability and to absorb the financial impact of the COVID-19 pandemic and its related measures, among other things.
Annual figures 2020: NWB Bank fulfils its sustainable mission also during the COVID-19 pandemicNWB Bank reports fraud with the Public Prosecution Office
14/02/2021 | NWB Bank has recently reported a fraud offence with the Netherlands Public Prosecution Office.
NWB Bank reports fraud with the Public Prosecution OfficeCapital requirement remains unchanged for NWB Bank
14/01/2021 | The European Central Bank (ECB) has updated the capital buffer requirement imposed on NWB Bank as part of the yearly Supervisory Review and Evaluation Process (SREP). The requirement for the bank specific Pillar 2 requirement was kept unchanged at 2.25 percent and the total SREP capital requirement for NWB Bank amounts to 10.25%.
Capital requirement remains unchanged for NWB BankNWB Bank issues its first USD SDG Housing Bond
02/12/2020 | For the fourth time this year, NWB Bank has successfully issued a sustainable bond. This time, the bank has issued a USD 1 billion SDG Housing Bond with a maturity of 5 years.
NWB Bank issues its first USD SDG Housing BondNWB Bank adopts the Equator Principles
01/10/2020 | As of today, NWB Bank is officially applying the Equator Principles.
NWB Bank adopts the Equator PrinciplesNWB Bank signs Finance for Biodiversity Pledge
25/09/2020 | NWB Bank is one of 26 financial institutions who have signed the Finance for Biodiversity Pledge.
NWB Bank signs Finance for Biodiversity PledgeHalf-year figures 2020: sustainable strategy on track; lending and profit up to standard
28/08/2020 | NWB Bank has kept its lending and profit up to standard during the COVID-19 crisis.
Half-year figures 2020: sustainable strategy on track; lending and profit up to standardNew SDG Housing Bond brings total of issued sustainable bonds above €15 billion
27/08/2020 | For the second time this year, NWB Bank has successfully issued an SDG Housing Bond. This time, the bond has a size of €1 billion and a maturity of 15 years. In total, NWB Bank has now issued more than €15 billion in sustainable bonds, making NWB Bank the largest issuer of SRI bonds in the Netherlands.
New SDG Housing Bond brings total of issued sustainable bonds above €15 billionNWB Bank finances wind farm Windpark Zeewolde
31/07/2020 | NWB Bank and the Danish export credit insurer EKF have joined Rabobank in the financing consortium of wind farm Windpark Zeewolde.
NWB Bank finances wind farm Windpark ZeewoldeNWB Bank shares its approach to biodiversity together with seven other financial institutions
05/06/2020 | Together with seven other Dutch financial institutions, NWB Bank has published a paper on the relationship between biodiversity and the financial sector. In the paper, we describe our approach to curb the loss of biodiversity.
NWB Bank shares its approach to biodiversity together with seven other financial institutionsNWB Bank partners up with Japanese GPIF to launch initiative for sustainability bonds
27/05/2020 | NWB Bank has formed a partnership with the Japanese Government Pension Investment Fund (GPIF) to promote and develop sustainable capital markets through a focus on Green and Sustainability Bonds, as well as the incorporation of ESG assessments in fixed income investments.
NWB Bank partners up with Japanese GPIF to launch initiative for sustainability bondsNWB Bank first Dutch issuer to join Nasdaq Sustainable Bond Network
07/05/2020 | NWB Bank is the first Dutch issuer to become a member of the Nasdaq Sustainable Bond Network. Investors now have access to all relevant information about NWB Bank’s sustainable bonds including the annual Green and Sustainable Bond Reports, frameworks and provided second opinions.
NWB Bank first Dutch issuer to join Nasdaq Sustainable Bond NetworkResolutions Annual General Meeting of Shareholders
16/04/2020 | Joanne Kellermann has been appointed as chair of the Supervisory Board of NWB Bank following today’s Annual General Meeting of Shareholders (AGM). Her appointment is for a period of 4 years, she will be succeeding Age Bakker, who resigned as of today due to him reaching the two-term maximum of 8 years.
Resolutions Annual General Meeting of ShareholdersNWB Bank has an almost complete picture of the climate impact of its loan portfolio
15/04/2020 | NWB Bank has calculated the CO2(eq) emisisons of 93% of its loan portfolio.
NWB Bank has an almost complete picture of the climate impact of its loan portfolioNWB Bank issues its largest sustainable bond so far despite difficult market conditions
03/04/2020 | NWB Bank has successfully issued a 3-year €2 billion SDG Housing Bond. This was NWB Bank’s largest sustainable bond so far.
NWB Bank issues its largest sustainable bond so far despite difficult market conditionsNWB Bank postpones payment of dividend
03/04/2020 | NWB Bank has decided to postpone the payment of its intended €55 million dividend for the year 2019, until after 1 October. The bank had to take this decision after the European Central Bank (ECB) strongly called upon all its supervised institutions to do so.
NWB Bank postpones payment of dividendGreen Bond and SDG Housing Bond 2019 Newsletter available
27/03/2020 | As of today, both the 2019 Green Bond Newsletter (Water Bond Report) and the 2019 SDG Housing Bond Newsletter (Social Indicator Report) are available.
Green Bond and SDG Housing Bond 2019 Newsletter availableCoronavirus: NWB Bank remains reachable and available
17/03/2020 | In the past weeks NWB Bank has taken measures because of the coronavirus to safeguard its reachibility and availiability for its clients and other stakeholders. You can still reach us at the contact details known to you or otherwise use the reception telephone number +31 70 416 6266 or email at info@nwbbank.com.
Coronavirus: NWB Bank remains reachable and availableAnnual figures 2019: record year for NWB Bank
11/03/2020 | In 2019, NWB Bank issued record levels of lending to clients in the Dutch public sector.
Annual figures 2019: record year for NWB BankSecond successful benchmark transaction of 2020 for NWB Bank
21/01/2020 | News release EUR 1b benchmark
Second successful benchmark transaction of 2020 for NWB BankCapital requirement remains unchanged for NWB Bank
14/01/2020 | News on the Pillar 2 requirement
Capital requirement remains unchanged for NWB BankSuccessful start of the year for NWB Bank at the capital markets
13/01/2020 | Successful start of the year for NWB Bank at the capital markets
Successful start of the year for NWB Bank at the capital marketsNWB Bank sponsoring exhibitions at the National Maritime Museum
06/01/2020 | NWB Bank is the proud sponsor of two exhibitions at the National Maritime Museum in Amsterdam.
NWB Bank sponsoring exhibitions at the National Maritime MuseumNWB Bank starts reporting on the climate impact of its loan portfolio
11/12/2019 | NWB Bank has endorsed the goals of the National Climate Agreement together with the rest of the Dutch financial sector.
NWB Bank starts reporting on the climate impact of its loan portfolioEUR 1 billion 7y benchmark bond issue
08/11/2019 | NWB Bank has decided to issue a 7-year EUR 1,000,000,000 benchmark with Reg S format.
EUR 1 billion 7y benchmark bond issueEIB and NWB Bank to support climate investments and water management
13/09/2019 | EUR 200 million for small and medium scale sub-projects by local water authorities, with a focus on sustainability.
EIB and NWB Bank to support climate investments and water managementHalf-year figures 2019: NWB Bank lends more to sustainable energy projects and the water sector
30/08/2019 | NWB Bank was able to maintain its market share in the financing of the Dutch public sector in the first half of 2019, and increased its market share in the water sector.
Half-year figures 2019: NWB Bank lends more to sustainable energy projects and the water sectorNWB Bank exceeds €10 billion mark in sustainable bond issuance
20/05/2019 | NWB Bank has once again successfully issued a sustainable bond, this time for an amount of €1 billion.
NWB Bank exceeds €10 billion mark in sustainable bond issuanceGreen Bond and Social Bond 2018 Newsletter available
29/04/2019 | NWB Bank annually publishes a Green Bond Newsletter to provide the public and investors transparency into the use of proceeds from Water Bonds.
Green Bond and Social Bond 2018 Newsletter availableNWB Bank resumes dividend distribution
18/04/2019 | NWB Bank will distribute €20 million in dividends to its shareholders for the 2018 financial year.
NWB Bank resumes dividend distributionNWB Bank Winner of 2019 Environmental Finance ‘Social Bond of the Year’ Award
10/04/2019 | For the second year in succession, NWB Bank has won the Environmental Finance bond award for best social bond.
NWB Bank Winner of 2019 Environmental Finance ‘Social Bond of the Year’ Award2018 Annual figures: another good year for NWB Bank
15/03/2019 | NWB Bank has had yet another good year. Lending in 2018 increased to €7.4 billion (2017: €6.2 billion) and the bank's net profit was €99.7 million (2017: €122.5 million).
2018 Annual figures: another good year for NWB BankLargest bond order book to date for NWB Bank
04/02/2019 | NWB Bank has successfully launched its first Social Bond of the year. This time the bank has issued a 10-year €1 billion benchmark Affordable Housing Bond.
Largest bond order book to date for NWB BankMore information?
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