Australia Residential Mortgage: Non Performing Loans
Residential Mortgages: ADIs: Non Performing Loans
Residential Mortgages: ADIs: Non Performing Loans data was reported at 24,432.600 AUD mn in Dec 2024. This records an increase from the previous number of 24,290.700 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans data is updated quarterly, averaging 17,380.850 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 24,432.600 AUD mn in Dec 2024 and a record low of 14,324.100 AUD mn in Dec 2022. Residential Mortgages: ADIs: Non Performing Loans data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 24,432.600 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Interest & Investor
Residential Mortgages: ADIs: Non Performing Loans: Interest & Investor data was reported at 839.600 AUD mn in Dec 2024. This records an increase from the previous number of 819.800 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Interest & Investor data is updated quarterly, averaging 818.300 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 1,410.100 AUD mn in Jun 2019 and a record low of 336.400 AUD mn in Dec 2022. Residential Mortgages: ADIs: Non Performing Loans: Interest & Investor data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 839.600 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Interest & Investor from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Interest & Owner Occupied
Residential Mortgages: ADIs: Non Performing Loans: Interest & Owner Occupied data was reported at 419.400 AUD mn in Dec 2024. This records a decrease from the previous number of 466.500 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Interest & Owner Occupied data is updated quarterly, averaging 467.600 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 1,085.500 AUD mn in Mar 2019 and a record low of 194.500 AUD mn in Dec 2022. Residential Mortgages: ADIs: Non Performing Loans: Interest & Owner Occupied data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 419.400 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Interest & Owner Occupied from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Loans for Units or Apartments
Residential Mortgages: ADIs: Non Performing Loans: Loans for Units or Apartments data was reported at 3,046.500 AUD mn in Dec 2024. This records a decrease from the previous number of 3,107.100 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Loans for Units or Apartments data is updated quarterly, averaging 2,627.950 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 3,314.300 AUD mn in Jun 2021 and a record low of 1,612.300 AUD mn in Mar 2019. Residential Mortgages: ADIs: Non Performing Loans: Loans for Units or Apartments data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 3,046.500 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Loans for Units or Apartments from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Loans to Non Residents
Residential Mortgages: ADIs: Non Performing Loans: Loans to Non Residents data was reported at 309.400 AUD mn in Dec 2024. This records a decrease from the previous number of 331.700 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Loans to Non Residents data is updated quarterly, averaging 401.050 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 500.900 AUD mn in Mar 2021 and a record low of 282.400 AUD mn in Mar 2019. Residential Mortgages: ADIs: Non Performing Loans: Loans to Non Residents data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 309.400 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Loans to Non Residents from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Loans to SMSFs
Residential Mortgages: ADIs: Non Performing Loans: Loans to SMSFs data was reported at 66.700 AUD mn in Dec 2024. This records a decrease from the previous number of 71.900 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Loans to SMSFs data is updated quarterly, averaging 88.050 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 139.300 AUD mn in Jun 2020 and a record low of 54.000 AUD mn in Mar 2019. Residential Mortgages: ADIs: Non Performing Loans: Loans to SMSFs data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 66.700 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Loans to SMSFs from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Low Documentation
Residential Mortgages: ADIs: Non Performing Loans: Low Documentation data was reported at 163.700 AUD mn in Dec 2024. This records a decrease from the previous number of 170.500 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Low Documentation data is updated quarterly, averaging 229.000 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 458.200 AUD mn in Mar 2019 and a record low of 160.000 AUD mn in Mar 2024. Residential Mortgages: ADIs: Non Performing Loans: Low Documentation data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 163.700 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Low Documentation from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Mortgagee in Possession
Residential Mortgages: ADIs: Non Performing Loans: Mortgagee in Possession data was reported at 280.200 AUD mn in Dec 2024. This records a decrease from the previous number of 298.800 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Mortgagee in Possession data is updated quarterly, averaging 302.300 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 743.900 AUD mn in Jun 2019 and a record low of 244.600 AUD mn in Mar 2021. Residential Mortgages: ADIs: Non Performing Loans: Mortgagee in Possession data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 280.200 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Mortgagee in Possession from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: New During the Quarter
Residential Mortgages: ADIs: Non Performing Loans: New During the Quarter data was reported at 5,440.600 AUD mn in Dec 2024. This records a decrease from the previous number of 5,984.000 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: New During the Quarter data is updated quarterly, averaging 4,302.250 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 6,815.500 AUD mn in Jun 2020 and a record low of 2,394.900 AUD mn in Sep 2022. Residential Mortgages: ADIs: Non Performing Loans: New During the Quarter data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 5,440.600 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: New During the Quarter from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: No. of Entities
Residential Mortgages: ADIs: Non Performing Loans: No. of Entities data was reported at 78.000 Unit in Dec 2024. This stayed constant from the previous number of 78.000 Unit for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: No. of Entities data is updated quarterly, averaging 83.000 Unit from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 94.000 Unit in Sep 2019 and a record low of 78.000 Unit in Dec 2024. Residential Mortgages: ADIs: Non Performing Loans: No. of Entities data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 78.000 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: No. of Entities from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Revolving Credits
Residential Mortgages: ADIs: Non Performing Loans: Revolving Credits data was reported at 785.100 AUD mn in Dec 2024. This records a decrease from the previous number of 818.800 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Revolving Credits data is updated quarterly, averaging 751.650 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 862.700 AUD mn in Jun 2019 and a record low of 537.400 AUD mn in Dec 2021. Residential Mortgages: ADIs: Non Performing Loans: Revolving Credits data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 785.100 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Revolving Credits from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Term Loans
Residential Mortgages: ADIs: Non Performing Loans: Term Loans data was reported at 23,647.500 AUD mn in Dec 2024. This records an increase from the previous number of 23,471.900 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Term Loans data is updated quarterly, averaging 16,663.700 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 23,647.500 AUD mn in Dec 2024 and a record low of 13,635.600 AUD mn in Dec 2022. Residential Mortgages: ADIs: Non Performing Loans: Term Loans data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 23,647.500 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Term Loans from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Investment
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Investment data was reported at 5,875.900 AUD mn in Dec 2024. This records an increase from the previous number of 5,868.100 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Investment data is updated quarterly, averaging 5,395.600 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 6,664.700 AUD mn in Jun 2020 and a record low of 4,056.400 AUD mn in Dec 2022. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Investment data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 5,875.900 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Investment from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: Less Than 60%
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: Less Than 60% data was reported at 4,880.700 AUD mn in Dec 2024. This records a decrease from the previous number of 4,894.000 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: Less Than 60% data is updated quarterly, averaging 3,079.300 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 4,894.000 AUD mn in Sep 2024 and a record low of 2,221.600 AUD mn in Mar 2019. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: Less Than 60% data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 4,880.700 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: Less Than 60% from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 60% Less Than 80%
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 60% Less Than 80% data was reported at 9,546.700 AUD mn in Dec 2024. This records an increase from the previous number of 9,515.400 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 60% Less Than 80% data is updated quarterly, averaging 6,877.950 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 9,546.700 AUD mn in Dec 2024 and a record low of 5,365.700 AUD mn in Mar 2019. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 60% Less Than 80% data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 9,546.700 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 60% Less Than 80% from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 80% Less Than 90%
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 80% Less Than 90% data was reported at 5,638.500 AUD mn in Dec 2024. This records an increase from the previous number of 5,569.100 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 80% Less Than 90% data is updated quarterly, averaging 4,306.300 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 5,638.500 AUD mn in Dec 2024 and a record low of 3,130.000 AUD mn in Dec 2022. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 80% Less Than 90% data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 5,638.500 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 80% Less Than 90% from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 90% Less Than 95%
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 90% Less Than 95% data was reported at 1,672.300 AUD mn in Dec 2024. This records an increase from the previous number of 1,667.200 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 90% Less Than 95% data is updated quarterly, averaging 1,402.900 AUD mn from Mar 2019 (Median) to Dec 2024, with 23 observations. The data reached an all-time high of 1,672.300 AUD mn in Dec 2024 and a record low of 907.100 AUD mn in Dec 2022. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 90% Less Than 95% data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 1,672.300 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 90% Less Than 95% from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 95%
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 95% data was reported at 1,818.900 AUD mn in Sep 2024. This records an increase from the previous number of 1,709.000 AUD mn for Jun 2024. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 95% data is updated quarterly, averaging 1,511.300 AUD mn from Mar 2019 (Median) to Sep 2024, with 22 observations. The data reached an all-time high of 2,127.000 AUD mn in Jun 2020 and a record low of 911.100 AUD mn in Sep 2022. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 95% data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 1,818.900 Sep 2024 | quarterly | Mar 2019 - Sep 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: More Than 95% from Mar 2019 to Sep 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: Not Reported
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: Not Reported data was reported at 5.300 AUD mn in Sep 2024. This records an increase from the previous number of 2.500 AUD mn for Sep 2023. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: Not Reported data is updated quarterly, averaging 24.250 AUD mn from Mar 2019 (Median) to Sep 2024, with 20 observations. The data reached an all-time high of 47.900 AUD mn in Sep 2020 and a record low of 2.500 AUD mn in Sep 2023. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: Not Reported data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 5.300 Sep 2024 | quarterly | Mar 2019 - Sep 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Term Loans: LVR: Not Reported from Mar 2019 to Sep 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Non Housing
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Non Housing data was reported at 446.000 AUD mn in Dec 2024. This records a decrease from the previous number of 473.800 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Non Housing data is updated quarterly, averaging 456.350 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 650.000 AUD mn in Jun 2020 and a record low of 395.000 AUD mn in Dec 2022. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Non Housing data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 446.000 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |
View Australia's Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Non Housing from Mar 2019 to Dec 2024 in the chart:
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Owner Occupied
Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Owner Occupied data was reported at 17,325.600 AUD mn in Dec 2024. This records an increase from the previous number of 17,130.100 AUD mn for Sep 2024. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Owner Occupied data is updated quarterly, averaging 10,984.200 AUD mn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 17,325.600 AUD mn in Dec 2024 and a record low of 9,184.200 AUD mn in Dec 2022. Residential Mortgages: ADIs: Non Performing Loans: Term Loans: Owner Occupied data remains active status in CEIC and is reported by Australian Prudential Regulation Authority. The data is categorized under Global Database’s Australia – Table AU.KB025: Residential Mortgage: Non Performing Loans.
| Last | Frequency | Range |
|---|---|---|
| 17,325.600 Dec 2024 | quarterly | Mar 2019 - Dec 2024 |