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{{short description|Malaysian life insurance company}}
{{short description|Malaysian life insurance company}}
{{Advert|date=July 2021}}
{{Infobox company
{{Infobox company
| name = Etiqa Life Insurance Berhad
| name = Etiqa Insurance and Takaful
| logo = New_Etiqa_Life_Insurance_Logo.png
| logo = Etiqa Insurance and Takaful.png
| logo_caption = Logo used from 2018
| logo_caption = Official logo for Etiqa Insurance and Takaful
| type = [[Private limited company]]
| type = [[Private limited company]]
| industry = [[Insurance]]
| industry = [[Insurance]] and [[Takaful]]
| foundation = {{Start date and age|df=yes|2007}}
| foundation = {{Start date and age|df=yes|2007}}
| location_city = Dataran Maybank<br/>Jalan Maarof, [[Kuala Lumpur]]
| location_city = Dataran Maybank<br />Jalan Maarof, [[Kuala Lumpur]]
| key_people = {{plainlist |
| key_people = {{plainlist |
* Y. Bhg. Datuk R. Karunakaran (Chairman)
* Y. Bhg. Datuk R. Karunakaran (Chairman)
* Kamaludin Ahmad (CEO Maybank Ageas Holdings Berhad)
* Kamaludin Ahmad (Group CEO, Etiqa Insurance & Takaful)
* Paul Low Hong Ceong (CEO)
}}
}}
| products = [[Life insurance]]
| products = [[Insurance]] and [[Takaful]]
| revenue = {{nowrap|[[Ringgit Malaysia|RM]]{{0|0}}2.19&nbsp;billion (2019)}}
| net_income = {{nowrap|RM{{0|0}}0.22&nbsp;billion (2019)}}
| assets = {{nowrap|RM11.99&nbsp;billion (2019)}}
| equity = {{nowrap|RM{{0|0}}1.63&nbsp;billion (2019)}}
| parent = Maybank Ageas Holdings Berhad<br/>
* [[Maybank|Malayan Banking Berhad]] (69%)
* [[Ageas|Ageas NV]] (31%)
| location_country = Malaysia
| location_country = Malaysia
| homepage = www.etiqa.com.my
| homepage = https://etiqa.com
}}
}}
'''Etiqa''' is an insurer and [[takaful]] operator in [[ASEAN]]. It is a member of the [[Maybank]] Group, offering life and general insurance policies, as well as, family and general takaful plans. It has over 10,000 agents, 46 branches, 17 offices, and a [[bancassurance]] network consisting of over 490 branches, cooperatives, [[Broker|brokers]], and online platforms across [[Malaysia]], [[Singapore]], [[Indonesia]], the [[Philippines]], and [[Cambodia]]. Etiqa is a digital insurance/takaful player in [[Malaysia]] with over 55% of market share in online premiums/contributions as of 2020.<ref>{{Cite web|last=Malaysia|first=Agenda|title=Annual Reports {{!}} Maybank|url=http://www.maybank.com.my/|access-date=2020-12-11|website=Maybank Malaysia}}</ref> It is also a [[bank]] assurance player in [[Malaysia]], in Digital Life Insurance in [[Singapore]], and a Group Medical insurer in the [[Philippines]].
{{Infobox company

| name = Etiqa General Insurance Berhad
Etiqa is composed of four main operating entities in [[Malaysia]], namely, Etiqa General Insurance Berhad, Etiqa Life Insurance Berhad, Etiqa General Takaful Berhad, and Etiqa Family Takaful Berhad.<ref>{{Cite web|date=2018-01-10|title=Maybank's Etiqa split into four separate companies|url=http://www.theedgemarkets.com/article/maybanks-etiqa-split-four-separate-companies|access-date=2020-12-14|website=The Edge Markets}}</ref> The company also has two smaller operating entities in [[Labuan]], as well as several other operating entities in [[Singapore]], [[Indonesia]], the [[Philippines]] and [[Cambodia]].
| logo = EGIB (FC).png

| logo_caption =
== History ==
| type = [[Private limited company]]
The Etiqa brand name was launched on November 15, 2007.<ref name=":4" /> This comes after a 2005 [[Mergers and acquisitions|merger]] involving Maybank Ageas, Maybank General Assurance, Maybank Life Assurance, and Maybank Takaful with Malaysia National Insurance Bhd (MNI) and its subsidiary, Takaful Nasional Sdn Bhd.<ref name=":4">{{Cite web |title=Etiqa celebrates 15 years of Making the World a Better place |url=https://www.thestar.com.my/starpicks/2022/12/20/etiqa-celebrates-15-years-of-making-the-world-a-better-place |access-date=2024-05-10 |website=The Star |language=en}}</ref>
| industry = [[Insurance]]

| foundation = {{Start date and age|df=yes|2007}}
Etiqa's first expansion into ASEAN began with Singapore's UMBC Insurance Bhd (previously named United General Insurance Company Ltd.), which had been operational since 1961.<ref name=":0">{{Cite web |title=Maybank expands footprint in Singapore with the launch of Etiqa life insurance |url=https://www.etiqa.com.sg/news/maybank-expands-footprint-in-singapore-with-the-launch-of-etiqa-life-insurance/ |access-date=2024-05-10 |website=Etiqa Insurance Singapore |language=en-US}}</ref> In 2001, the company entered into a partnership with Maybank and [[Fortis Group|Fortis]] International N.V., where they were subsequently renamed as Maybank General Assurance Bhd.<ref name=":0" /> By 2009, the company had evolved to become the Singaporean branch of Etiqa Insurance Bhd.<ref>{{Cite web |title=Etiqa Insurance launches the first online insurance savings plan following recent MAS guidelines on online distribution of life policies with no advice |url=https://www.media-outreach.com/news/singapore/2017/04/24/3273/etiqa-insurance-launches-the-first-online-insurance-savings-plan-following-recent-mas-guidelines-on-online-distribution-of-life-policies-with-no-advice/ |access-date=2024-05-10 |website=Media Outreach |language=en-GB}}</ref> On June 13, 2014, Etiqa Insurance Pte. Ltd. (EIPL) Singapore was granted approval from the [[Monetary Authority of Singapore]] (MAS) to operate as a licensed life insurance and general insurance company.<ref name=":1">{{Cite web |date=2014-08-12 |title=Maybank launches Etiqa insurance arm in Singapore |url=https://www.malaymail.com/news/money/2014/08/12/maybank-launches-etiqa-insurance-arm-in-singapore/725295 |access-date=2024-05-10 |website=Malay Mail |language=en}}</ref> Etiqa Insurance Pte. Ltd. was officially launched in August of 2014, selling its life insurance products at Maybank branches across Singapore.<ref name=":1" />
| location_city = Dataran Maybank<br/>Jalan Maarof, [[Kuala Lumpur]]

| key_people = {{plainlist |
In 2015, Maybank began acquiring shares in AsianLife and General Assurance Corp. (ALGA), an insurance group based in the Philippines which had been operational since 1958.<ref>{{Cite web |last=Etiqa |date=2021 |title=A Unified Etiqa: 2021 Etiqa Philippines Annual Report |url=https://www.etiqa.com.ph/forms/2022/2021%20Etiqa%20Philippines%20Annual%20Report.pdf |website=Etiqa}}</ref> On June 19, 2019, ALGA underwent a rebranding campaign to become Etiqa Philippines.<ref>{{Cite web |last=Joy Ching |first=Stephanie |date=2019-09-30 |title=Etiqa PHL open to insure less-privileged Filipinos |url=https://businessmirror.com.ph/2019/09/30/etiqa-phl-open-to-insure-less-privileged-filipinos/ |access-date=2024-05-10 |website=BusinessMirror |language=en-US}}</ref> This was accomplished in order to align with its parent company, Etiqa International Holdings (EIHSB) Malaysia, an investment holding company of Maybank.<ref>{{Cite web |title=Rico Bautista, President and CEO of Etiqa Philippines |url=https://www.theceomagazine.com/executive-interviews/insurance/rico-bautista/ |access-date=2024-05-10 |website=The CEO Magazine |language=en-US}}</ref>
* Y. Bhg. Datuk R. Karunakaran (Chairman)

* Kamaludin Ahmad (CEO Maybank Ageas Holdings Berhad)
In September of 2018, Etiqa International Holdings acquired a majority stake of 75% in PT Asuransi Asoka Mas, an Indonesian-based general insurance company.<ref name=":2">{{Cite web |last=NST |first= |date=2017-09-28 |title=Maybank's insurance unit, Etiqa International completes the purchase of PT Asuransi Asoka Mas for RM64.9m {{!}} New Straits Times |url=https://www.nst.com.my/business/2017/09/285281/maybanks-insurance-unit-etiqa-international-completes-purchase-pt-asuransi |access-date=2024-05-10 |website=NST Online |language=en}}</ref> EIHSB acquired 750 million shares for approximately [[Malaysian ringgit|RM]]64.92 million from PT Transpacific Mutualcapita which kept the remaining 25% stake in Asuransi Asoka.<ref name=":2" /><ref>{{Cite web |title=Maybank's Etiqa completes 75% purchase of Indonesian insurance firm |url=https://www.thestar.com.my/business/business-news/2017/09/29/maybank-eqita-completes-purchase-of-indonesian-insurance-firm |access-date=2024-05-10 |website=The Star |language=en}}</ref> Between March 14, 2019 to February 18, 2020, PT Asuransi Asoka Mas was renamed to become PT Asuransi Etiqa Internasional Indonesia (EII).<ref>{{Cite web |last=Sari |first=Ferrika |date=2019-03-14 |title=Diakuisisi Maybank, Asoka Mas ganti nama Jadi Asuransi Etiqa Internasional Indonesia |url=https://keuangan.kontan.co.id/news/diakuisisi-maybank-asoka-mas-ganti-nama-jadi-asuransi-etiqa-internasional-indonesia |access-date=2024-05-10 |website=kontan.co.id |language=id}}</ref><ref>{{Cite web |title=Kala Nama Berganti, OJK Hadiahi. . . |url=https://wartaekonomi.co.id/read219372/kala-nama-berganti-ojk-hadiahi |access-date=2024-05-10 |website=Warta Ekonomi |language=id}}</ref><ref>{{Cite web |title=Company Information |url=https://etiqa.com/who-we-are/company-information/ |access-date=2024-05-10 |website=Etiqa Insurance and Takaful |language=en-US}}</ref>
* Fukhairudin Bin Mohd Yusof (CEO)
}}
| products = [[General insurance]]
| revenue = {{nowrap|[[Ringgit Malaysia|RM]]{{0|0}}1.36&nbsp;billion (2019)}}
| net_income = {{nowrap|RM{{0|0}}0.77&nbsp;billion (2019)}}
| assets = {{nowrap|RM5.21&nbsp;billion (2019)}}
| equity = {{nowrap|RM{{0|0}}1.06&nbsp;billion (2019)}}
| parent = Maybank Ageas Holdings Berhad<br/>
* [[Maybank|Malayan Banking Berhad]] (69%)
* [[Ageas|Ageas NV]] (31%)
| location_country = Malaysia
| homepage = www.etiqa.com.my
}}
{{Infobox company
| name = Etiqa Family Takaful Berhad
| logo = EFTB (FC).png
| logo_caption =
| type = [[Private limited company]]
| industry = [[Takaful]]
| foundation = {{Start date and age|df=yes|2007}}
| location_city = Dataran Maybank<br/>Jalan Maarof, [[Kuala Lumpur]]
| key_people = {{plainlist |
* Y. Bhg. Datuk R. Karunakaran (Chairman)
* Kamaludin Ahmad (CEO Maybank Ageas Holdings Berhad)
* Zafri Ab Halim (CEO)
}}
| products = {{flatlist|
* Family takaful
}}
| revenue = {{nowrap|[[Ringgit Malaysia|RM]]{{0|0}}2.26&nbsp;billion (2019)}}
| net_income = {{nowrap|RM{{0|0}}0.20&nbsp;billion (2019)}}
| assets = {{nowrap|RM14.27&nbsp;billion (2019)}}
| equity = {{nowrap|RM{{0|0}}1.79&nbsp;billion (2019)}}
| parent = Maybank Ageas Holdings Berhad<br/>
* [[Maybank|Malayan Banking Berhad]] (69%)
* [[Ageas|Ageas NV]] (31%)
| location_country = Malaysia
| homepage = www.etiqa.com.my
}}
{{Infobox company
| name = Etiqa General Takaful Berhad
| logo = EGTB (FC).png
| logo_caption = The official logo for Etiqa General Takaful Berhad<br>Logo used from 2018
| type = [[Private limited company]]
| industry = [[Takaful]]
| foundation = {{Start date and age|df=yes|2007}}
| location_city = Dataran Maybank<br/>Jalan Maarof, [[Kuala Lumpur]]
| key_people = {{plainlist |
* Y. Bhg. Datuk R. Karunakaran (Chairman)
* Kamaludin Ahmad (CEO Maybank Ageas Holdings Berhad)
* Shahrul Azuan Bin Mohamed (CEO)
}}
| products = {{flatlist|
* General takaful
}}
| revenue = {{nowrap|[[Ringgit Malaysia|RM]]{{0|0}}1.42&nbsp;billion (2019)}}
| net_income = {{nowrap|RM{{0|0}}0.15&nbsp;billion (2019)}}
| assets = {{nowrap|RM3.29&nbsp;billion (2019)}}
| equity = {{nowrap|RM{{0|0}}1.03&nbsp;billion (2019)}}
| parent = Maybank Ageas Holdings Berhad<br/>
* [[Maybank|Malayan Banking Berhad]] (69%)
* [[Ageas|Ageas NV]] (31%)
| location_country = Malaysia
| homepage = www.etiqa.com.my
}}
'''Etiqa''' is the leading [[insurance]] and [[takaful]] business in ASEAN. It is part of the Malaysian banking group, [[Maybank]]. It offers [[life insurance|life]] and [[general insurance]] as well as family and general takaful products through its 10,000 [[insurance agent|agents]], 46 branches, 17 offices and over 490 [[bancassurance]] network (via branches, cooperatives, brokers and online platforms) across Malaysia, Singapore, Indonesia, Philippines and Cambodia. Etiqa is also the leading digital insurance/Takaful player in Malaysia with over 60% market share of online premium/contribution in the past three consecutive years<ref>{{Cite web|last=Malaysia|first=Agenda|title=Annual Reports {{!}} Maybank|url=http://www.maybank.com.my/|access-date=2020-12-11|website=Maybank Malaysia}}</ref> as well as a leading digital insurance player in Singapore.


Etiqa business comprises four operating entities in Malaysia, namely, '''Etiqa General Insurance Berhad,''' '''Etiqa Life Insurance Berhad,''' '''Etiqa General Takaful Berhad and Etiqa General Takaful Berhad'''<ref>{{Cite web|date=2018-01-10|title=Maybank’s Etiqa split into four separate companies|url=http://www.theedgemarkets.com/article/maybanks-etiqa-split-four-separate-companies|access-date=2020-12-14|website=The Edge Markets}}</ref> and also operating entities in Singapore, Indonesia, the Philippines and Cambodia.
In January of 2018, Etiqa split into four main operating entities: Etiqa General Insurance Bhd (EGIB), Etiqa Life Insurance Bhd (ELIB), Etiqa General Takaful Bhd (EGTB), and Etiqa Family Takaful Bhd (EFTB).<ref name=":3">{{Cite web |title=Etiqa divides business into four organisations |url=https://www.thestar.com.my/business/business-news/2018/01/10/etiqa-divides-business-into-four-organisations |access-date=2024-05-10 |website=The Star |language=en}}</ref> The decision to split into four main entities comes in support of the [[Central Bank of Malaysia|Malaysian Central Bank's]] initiative to improve its focus on its respective businesses, minimize risks, and ensure stability.<ref name=":3" />


In 2019, [[Cambodia]]'s [[Ministry of Economy and Finance (Cambodia)|Ministry of Economy and Finance]] (MEF) granted operating licenses to Etiqa General Insurance Cambodia Plc (EGIC) and Etiqa Life Insurance Cambodia Plc (ELIC).<ref>{{Cite web |title=The Etiqa brand is officially launched to bring smiles to the people of Cambodia |url=https://cambodianess.com/article/the-etiqa-brand-is-officially-launched-to-bring-smiles-to-the-people-of-cambodia |access-date=2024-05-10 |website=Cambodianess |language=en}}</ref> The following year, in May of 2020, both entities became operational, offering fire insurance for retail and commercial clients, as well as, personal accident insurance products, both online and through its Maybank branches located across [[Cambodia]].<ref>{{Cite web |title=Etiqa expands to Cambodia |url=https://thesun.my/business/etiqa-expands-to-cambodia-IA2442921 |access-date=2024-05-10 |website=thesun.my |language=en-MY}}</ref>
* Etiqa traces its root back to 2005 when Maybank Ageas (formerly known as Mayban Ageas), Mayban General Assurance, MaybanLife Assurance and Mayban Takaful merged with Malaysia National Insurance Berhad (MNI) and Takaful Nasional Sdn. Bhd.
* In 2007, the Etiqa name was launched
* In 2009, Etiqa Insurance Berhad opened its first branch in Singapore
* In 2014, Etiqa Insurance PTE LTD Singapore (EIPL) expanded its core business from general insurance to life insurance
* In 2014 too, Etiqa acquired shares in Asian Life and General Assurance in the Philippines (ALGA) which it has since renames Etiqa Life and General Assurance Philippines (ELGAP) in 2016
* In 2017, Etiqa acquired the majority stake in PT Asuransi Asoka Mas (Asoka) which it has since renamed PT Asuransi Etiqa Internasional Indonesia (EII) in 2020
* In 2018, in support of Bank Negara Malaysia's Islamic Financial Services Act 2013 and to better serve the stakeholders, Etiqa Malaysia became four main operating entities i.e. Etiqa General Insurance Berhad, Etiqa Life Insurance Berhad, Etiqa General Takaful Berhad and Etiqa Family Takaful Berhad
* In 2020, Etiqa began its operations in Cambodia under Etiqa General Insurance Cambodia and Etiqa Life Insurance Cambodia


==References==
==References==

Latest revision as of 18:26, 30 May 2024

Etiqa Insurance and Takaful
Company typePrivate limited company
IndustryInsurance and Takaful
Founded2007; 17 years ago (2007)
Headquarters
Dataran Maybank
Jalan Maarof, Kuala Lumpur
,
Malaysia
Key people
  • Y. Bhg. Datuk R. Karunakaran (Chairman)
  • Kamaludin Ahmad (Group CEO, Etiqa Insurance & Takaful)
ProductsInsurance and Takaful
Websitehttps://etiqa.com

Etiqa is an insurer and takaful operator in ASEAN. It is a member of the Maybank Group, offering life and general insurance policies, as well as, family and general takaful plans. It has over 10,000 agents, 46 branches, 17 offices, and a bancassurance network consisting of over 490 branches, cooperatives, brokers, and online platforms across Malaysia, Singapore, Indonesia, the Philippines, and Cambodia. Etiqa is a digital insurance/takaful player in Malaysia with over 55% of market share in online premiums/contributions as of 2020.[1] It is also a bank assurance player in Malaysia, in Digital Life Insurance in Singapore, and a Group Medical insurer in the Philippines.

Etiqa is composed of four main operating entities in Malaysia, namely, Etiqa General Insurance Berhad, Etiqa Life Insurance Berhad, Etiqa General Takaful Berhad, and Etiqa Family Takaful Berhad.[2] The company also has two smaller operating entities in Labuan, as well as several other operating entities in Singapore, Indonesia, the Philippines and Cambodia.

History

[edit]

The Etiqa brand name was launched on November 15, 2007.[3] This comes after a 2005 merger involving Maybank Ageas, Maybank General Assurance, Maybank Life Assurance, and Maybank Takaful with Malaysia National Insurance Bhd (MNI) and its subsidiary, Takaful Nasional Sdn Bhd.[3]

Etiqa's first expansion into ASEAN began with Singapore's UMBC Insurance Bhd (previously named United General Insurance Company Ltd.), which had been operational since 1961.[4] In 2001, the company entered into a partnership with Maybank and Fortis International N.V., where they were subsequently renamed as Maybank General Assurance Bhd.[4] By 2009, the company had evolved to become the Singaporean branch of Etiqa Insurance Bhd.[5] On June 13, 2014, Etiqa Insurance Pte. Ltd. (EIPL) Singapore was granted approval from the Monetary Authority of Singapore (MAS) to operate as a licensed life insurance and general insurance company.[6] Etiqa Insurance Pte. Ltd. was officially launched in August of 2014, selling its life insurance products at Maybank branches across Singapore.[6]

In 2015, Maybank began acquiring shares in AsianLife and General Assurance Corp. (ALGA), an insurance group based in the Philippines which had been operational since 1958.[7] On June 19, 2019, ALGA underwent a rebranding campaign to become Etiqa Philippines.[8] This was accomplished in order to align with its parent company, Etiqa International Holdings (EIHSB) Malaysia, an investment holding company of Maybank.[9]

In September of 2018, Etiqa International Holdings acquired a majority stake of 75% in PT Asuransi Asoka Mas, an Indonesian-based general insurance company.[10] EIHSB acquired 750 million shares for approximately RM64.92 million from PT Transpacific Mutualcapita which kept the remaining 25% stake in Asuransi Asoka.[10][11] Between March 14, 2019 to February 18, 2020, PT Asuransi Asoka Mas was renamed to become PT Asuransi Etiqa Internasional Indonesia (EII).[12][13][14]

In January of 2018, Etiqa split into four main operating entities: Etiqa General Insurance Bhd (EGIB), Etiqa Life Insurance Bhd (ELIB), Etiqa General Takaful Bhd (EGTB), and Etiqa Family Takaful Bhd (EFTB).[15] The decision to split into four main entities comes in support of the Malaysian Central Bank's initiative to improve its focus on its respective businesses, minimize risks, and ensure stability.[15]

In 2019, Cambodia's Ministry of Economy and Finance (MEF) granted operating licenses to Etiqa General Insurance Cambodia Plc (EGIC) and Etiqa Life Insurance Cambodia Plc (ELIC).[16] The following year, in May of 2020, both entities became operational, offering fire insurance for retail and commercial clients, as well as, personal accident insurance products, both online and through its Maybank branches located across Cambodia.[17]

References

[edit]
  1. ^ Malaysia, Agenda. "Annual Reports | Maybank". Maybank Malaysia. Retrieved 2020-12-11.
  2. ^ "Maybank's Etiqa split into four separate companies". The Edge Markets. 2018-01-10. Retrieved 2020-12-14.
  3. ^ a b "Etiqa celebrates 15 years of Making the World a Better place". The Star. Retrieved 2024-05-10.
  4. ^ a b "Maybank expands footprint in Singapore with the launch of Etiqa life insurance". Etiqa Insurance Singapore. Retrieved 2024-05-10.
  5. ^ "Etiqa Insurance launches the first online insurance savings plan following recent MAS guidelines on online distribution of life policies with no advice". Media Outreach. Retrieved 2024-05-10.
  6. ^ a b "Maybank launches Etiqa insurance arm in Singapore". Malay Mail. 2014-08-12. Retrieved 2024-05-10.
  7. ^ Etiqa (2021). "A Unified Etiqa: 2021 Etiqa Philippines Annual Report" (PDF). Etiqa.
  8. ^ Joy Ching, Stephanie (2019-09-30). "Etiqa PHL open to insure less-privileged Filipinos". BusinessMirror. Retrieved 2024-05-10.
  9. ^ "Rico Bautista, President and CEO of Etiqa Philippines". The CEO Magazine. Retrieved 2024-05-10.
  10. ^ a b NST (2017-09-28). "Maybank's insurance unit, Etiqa International completes the purchase of PT Asuransi Asoka Mas for RM64.9m | New Straits Times". NST Online. Retrieved 2024-05-10.
  11. ^ "Maybank's Etiqa completes 75% purchase of Indonesian insurance firm". The Star. Retrieved 2024-05-10.
  12. ^ Sari, Ferrika (2019-03-14). "Diakuisisi Maybank, Asoka Mas ganti nama Jadi Asuransi Etiqa Internasional Indonesia". kontan.co.id (in Indonesian). Retrieved 2024-05-10.
  13. ^ "Kala Nama Berganti, OJK Hadiahi. . ". Warta Ekonomi (in Indonesian). Retrieved 2024-05-10.
  14. ^ "Company Information". Etiqa Insurance and Takaful. Retrieved 2024-05-10.
  15. ^ a b "Etiqa divides business into four organisations". The Star. Retrieved 2024-05-10.
  16. ^ "The Etiqa brand is officially launched to bring smiles to the people of Cambodia". Cambodianess. Retrieved 2024-05-10.
  17. ^ "Etiqa expands to Cambodia". thesun.my. Retrieved 2024-05-10.
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