State-run Land Bank of the Philippines (LANDBANK) facilitated more than 6,700 orders worth P3.42 billion for the one-year peso-denominated Premyo Bonds 2 or “Premyo Bonds Para sa Bayan 2,” which represents 52% of the total P6.56 billion raised by the Bureau of the Treasury (BTr) from the bond offering. The bulk or P2.98 billion of LANDBANK’s total Premyo Bonds 2 sales were generated via over-the-counter placements at LANDBANK branches, while a total of P78.5 million in sales were generated through the Bank’s online channels. Of the P78.5 million online sales, P40.7 million was transacted through the pilot launch of the bond purchase feature in the mobile banking application of the Overseas Filipino Bank (OFBank), the digital-only branchless bank subsidiary of LANDBANK. The remaining P37.8 million was generated through LANDBANK’s Link.BizPortal via the BTr’s Online Ordering Facility. “Despite a pandemic-induced recession, we observed wider participation for the Premyo Bonds 2 offering. This became possible through more accessible online ordering platforms, which include the OFBank Mobile Banking Application (MBA) that encouraged more Filipinos abroad to invest their hard-earned money in safe and affordable government securities,” LANDBANK President and CEO Cecilia C. Borromeo said. It was the first time that the OFBank MBA was utilized as an online ordering facility for the Premyo Bonds, following OFBank’s launch as a digital-only, first branchless Philippine government bank on June 29, 2020. The OFBank MBA allowed Filipinos from 63 countries abroad such as the United Arab Emirates, Saudi Arabia, Canada, Qatar and Singapore to invest in the Premyo Bonds 2 through their smartphones, free of charge. Meanwhile, the state-run lender also generated total sales of P362 million under the BTr’s Exchange Offer program whereby bondholders of Premyo Bonds Tranche 1 could exchange their holdings for the latest Premyo Bonds 2 offering. The P6.56 billion total sales generated from Premyo Bonds 2 is more than double the P3-billion target of the BTr. Proceeds from the issuance will help fund the country’s educational programs, public infrastructure, and economic recovery in response to the ongoing COVID-19 pandemic and recent natural calamities. LANDBANK is Lead Issue Manager for the Premyo Bonds 2 offering. For more updates, please Follow, Like and Share the official LANDBANK Facebook, Instagram and YouTube accounts (@landbankofficial), Twitter (@LBP_Official), or visit the LANDBANK website (www.landbank.com).
READ MOREIn line with providing safe, accessible, and convenient electronic banking solutions, state-run Land Bank of the Philippines (LANDBANK) continues to waive fees for inter-bank fund transfers until March 31, 2021. First implemented during the height of community lockdowns in March and previously extended until December 2020, the waiver of fees covers retail clients who transfer funds through LANDBANK’s online banking channels via InstaPay and PESONet. “LANDBANK continues to leverage on digital solutions to provide our clients a responsive and safe banking experience in the new normal. We look to facilitate more simple transactions online, thereby ensuring our client’s health and safety during this pandemic,” said President and CEO Cecilia C. Borromeo. Digital banking soars LANDBANK also announced that transactions facilitated through its six major electronic channels grew by 21% in volume and 36% in amount in 2020 from 2019. The LANDBANK Mobile Banking App recorded 71.93 million transactions amounting to P85.12 billion, representing upsurges of 68% and 201%, respectively. The app was also upgraded last year with new features such as an improved user interface, cardless withdrawals, and the registration of LANDBANK Mastercard Credit and Prepaid Cards in the app. In addition, LANDBANK’s e-payment facility, Link.BizPortal, facilitated 2.12 million transactions equivalent to a 35% increase, with a total value of P7.95 billion representing a 71% growth rate. The Bank’s institutional internet banking platform, weAccess, also recorded increases of 30% and 41% for transactions and amount facilitated, respectively. LANDBANK also posted a 47% growth for the amount transacted via iAccess with P11.86 billion in 2020 compared to P8.08 billion in 2019. The Bank’s Electronic Modified Disbursement System (eMDS) for national government agency partners posted increases of 110,000 or 8% more transactions and P260.39 billion or a 28% jump in value. Lastly, LANDBANK’s Remittance System facilitated 1.92 million transactions for a 44% surge, with a total amount of P164.88 billion representing an expansion of 38% in 2020. For more information about LANDBANK’s e-banking services, clients may visit the Bank’s official website (www.landbank.com), or call LANDBANK’s customer service hotline at (02) 8-405-7000 or at PLDT Domestic Toll Free 1-800-10-405-7000.
READ MOREThe Land Bank of the Philippines (LANDBANK) is inviting the investing public to participate in the Bureau of the Treasury’s (BTr) 25th Tranche of the Retail Treasury Bonds or RTB-25 with Exchange Offer to help the National Government raise funds for its COVID-19 response and recovery efforts. The latest retail bond offer with the theme, “Kasama mo sa Kinabukasan,” was launched today, February 9, through a virtual Qualified Institutional Buyers Investor’s Briefing streamed live via BTr’s Facebook page and shared on LANDBANK’s social media channels. The three-year RTB-25 will be offered in minimum denominations of P5,000 and integral multiples thereof until March 4, 2021, with settlement scheduled on March 9. “With the last two RTB issuances setting record subscriptions to date, we look forward to an even stronger reception for RTB-25 from the investing public. Aside from earning interest every quarter, investing in RTBs contribute to advancing the Government’s COVID-19 response and economic recovery plan,” said LANDBANK President and CEO Cecilia C. Borromeo. Interested investors may purchase the RTB-25 via over-the-counter placements at all LANDBANK branches. Investors can also make placements through the RTB Online Ordering System at the BTr’s website and settle the payment via LANDBANK’s e-payment facility, Link.BizPortal, free of charge. Overseas Filipinos may also use the mobile banking application of the Overseas Filipino Bank (OFBank) – LANDBANK’s digital-only branchless bank subsidiary – to avail of the RTB-25 through the App’s bond purchase feature. Through the OFBank Mobile Banking App, investors can make multiple placements for RTB-25 of up to P500,000.00 per transaction. In addition to the new RTBs, the BTr is also allowing holders of previously issued bonds to exchange and reinvest their bond holdings for the RTB-25. P35-B raised for RTB-24 LANDBANK raised a total of P35.53 billion in sales for the Retail Treasury Bonds Tranche 24 or RTB-24 issued last July 2020. Majority of the sales were transacted over the counter, with P25.27 billion and P10.25 billion generated during the public offer period and rate-setting auction, respectively. The remaining P8.9 million in sales were generated online through LANDBANK’s Link.BizPortal via the BTr’s Online Ordering Facility. The National Government through the BTr has been issuing RTBs since 2001 as part of its efforts to support financial inclusion and literacy among Filipinos by making government securities more accessible to small investors. The RTBs are generally considered low-risk investment instruments, allowing investors to earn a fixed interest based on prevailing market rates that are paid quarterly during the term of the bond. For more updates, please Follow, Like and Share the official LANDBANK Facebook, Instagram and YouTube accounts (@landbankofficial), Twitter (@LBP_Official), and join our Viber community (@LANDBANK), or visit the LANDBANK website (www.landbank.com).
READ MOREDeposits breached the P2-trillion mark which allowed state-run Land Bank of the Philippines (LANDBANK) to record a 16.1% increase in total assets of P2.362 trillion in 2020 from its 2019 level of P2.033 trillion. LANDBANK said deposits expanded to P2.093 trillion, 17.4% higher from P1.783 trillion in 2019. This also fueled a significant 41.4% growth in investments from P694.9 billion to P982.5 billion. “LANDBANK posted marked growth in assets and deposits in 2020—a record achievement given the widespread economic impact of the health crisis. We will build on these gains and continue along this path to better serve our priority sectors, especially small farmers and fishers, micro, small and medium enterprises and other key development players,” said LANDBANK President and CEO Cecilia C. Borromeo. Reduced economic activities brought about by the COVID-19 pandemic, however, caused a 7% drop in net income to P17.1 billion from P18.5 billion in 2019. Meanwhile, year-end capital increased by 13% to P168.3 billion from P149.0 billion in 2019. The Bank’s financial ratios also remained strong despite the challenges set by the pandemic. LANDBANK posted a return on equity of 10.80%, which is well above the latest industry average. Return on assets stood at 0.78% and net interest margin at 3.16%. Common Equity Tier 1 ratio continued its steady growth year-on-year from 12.74% to 15.17%. With the Bank’s increased focus on supporting the country’s agriculture sector, LANDBANK’s total loan portfolio to farming and fishing industries expanded from P236.31 billion in 2019 to P237.62 billion in 2020. Of this amount, P43.98 billion benefitted small farmers and fishers, cooperatives and farmers’ associations, rural financial institutions, and other conduits. LANDBANK has also assisted cumulatively 2.67 million farmers and fishers nationwide as of end-2020, or a 133.5-percent accomplishment rate over the full-year target of two (2) million. Of this total, 718,875 small farmers were assisted through the Rice Farmers Financial Assistance (RFFA) and Financial Subsidy to Rice Farmers (FSRF) Programs jointly implemented with the Department of Agriculture (DA). In line with the Bank’s sustained drive for financial inclusion, LANDBANK is present in all 81 provinces of the country through 411 branches, 66 branch-lite units, and 55 lending centers. LANDBANK continues to respond to the growing demand for safe, accessible and convenient digital banking solutions under the new normal. The Bank reported that transactions facilitated through its six major electronic channels—the LANDBANK Mobile Banking App, Link.Biz Portal, weAccess, iAccess, Electronic Modified Disbursement System (eMDS), and Remittance System—collectively recorded a 21% increase in volume and a 36% growth in value in 2020. The Bank recently announced that the waiver on inter-bank fund transfer fees will remain until March 31, 2021. First implemented at the height of community lockdowns and previously extended until December 2020, the waiver covers retail clients who transfer funds through LANDBANK’s online banking channels via InstaPay and PESONet. For more updates, please Follow, Like and Share the official LANDBANK Facebook, Instagram and YouTube accounts (@landbankofficial), Twitter (@LBP_Official), and join our Viber community (@LANDBANK), or visit the LANDBANK website (www.landbank.com).
READ MORETo further boost its reach and better serve the banking needs of clients across the country, the Land Bank of the Philippines (LANDBANK) is set to open 23 new branches and branch-lite units and deploy an additional 190 ATMs this year. As of February 15, 2021, LANDBANK has the third-largest ATM network in the country among local banks with 2,316 ATMs, which serve 410 municipalities that are classified as unbanked. LANDBANK is also the only bank present in all 81 provinces nationwide. The 23 additional LANDBANK touchpoints in the pipeline this year are composed of 16 branches and branch-lites, five (5) Agri-Hubs, and two (2) mobile branches. This will grow LANDBANK’s branch network to 500 branches and branch-lite units nationwide by year end. The additional five (5) Agri-Hubs programmed for the year will raise the total to ten (10) nationwide and will help the Bank reach more farmers and fishers. Located in top rice-producing provinces, LANDBANK Agri-Hubs feature a hybrid of different banking and lending functions to respond to the developing needs of stakeholders in the agriculture sector. The two (2) new mobile branches will provide uninterrupted banking services in areas hit by calamities and other unexpected events. One (1) LANDBANK mobile branch will support the San Pablo Branch in Laguna to cover affected areas in Luzon, while the other will support the Bajada Branch in Davao del Sur for areas in Mindanao. LANDBANK will also install 190 new ATMs nationwide—which include 10 mobile ATMs—to provide safe and timely cash withdrawals for Bank clients, notably government personnel, pensioners, and Pantawid Pamilyang Pilipino Program (4Ps) beneficiaries. LANDBANK’s total ATM network will exceed 2,500 by the end of 2021. The Bank is also gearing up to open two (2) new lending centers for a total of 57 by year end, designed to provide affordable credit assistance to small farmers and fishers, agrarian reform beneficiaries (ARBs), small and medium enterprises (SMEs), and local government units (LGUs), among others. “LANDBANK remains aggressive in expanding its extensive network to serve more clients and meet emerging needs. While the usage of our e-banking channels continue to rise under the new normal, our branches and other physical touchpoints remain equally important in servicing our clients, especially those in the countryside,” said LANDBANK President and CEO Cecilia C. Borromeo. Free online fund transfers until March 2021 To provide relief to LANDBANK account holders and encourage online transactions amid the ongoing pandemic, LANDBANK continues to waive fees for online inter-bank fund transfers via instaPay and PESONet until March 31, 2021 when using the LANDBANK Mobile App and iAccess. From March 18 to December 31, 2020, the Bank has waived fund transfer fees amounting to P50.32 billion for 9,353,938 online transactions, representing forgone income for the Bank totaling P223 million. LANDBANK’s digital financial services saw increased demand in 2020, as transactions facilitated through its six (6) major electronic channels increased by 21% in volume and 36% in value from 2019. The LANDBANK Mobile Banking App recorded the highest volume of transactions of 71.9 million amounting to P85.12 billion. For more updates, please Follow, Like and Share the official LANDBANK Facebook, Instagram and YouTube accounts (@landbankofficial), Twitter (@LBP_Official), and join our Viber community (@LANDBANK), or visit the LANDBANK website (www.landbank.com).
READ MOREState-run Land Bank of the Philippines (LANDBANK) generated a total of P124.39 billion in sales for the recently concluded Retail Treasury Bonds Tranche 25 (RTB-25) offering. This accounts for 27% of the total P463.32 billion raised by the Bureau of the Treasury (BTr). LANDBANK sales were composed of P78.82 billion in new money and P45.57 billion through the switch offer, where holders of previously issued bonds exchanged their holdings for RTB-25. A total of P78.80 billion from the new sales were facilitated via over-the-counter placements at LANDBANK branches while P20.17 million was transacted through the Bank’s online channels. LANDBANK’s Link.BizPortal via the BTr’s Online Ordering Facility processed P11.89 million of the P20.17 million online sales. The remaining P8.28 million was transacted using the bond purchase feature in the mobile banking application of the Overseas Filipino Bank (OFBank), the digital-only branchless bank subsidiary of LANDBANK. “Despite being a universal bank, LANDBANK is also a retail bank that serves the diverse needs of retail investors for affordable and low-risk investment instruments. We will continue to support the National Government’s financing strategy by making government securities more accessible, including to Filipinos abroad,” LANDBANK President and CEO Cecilia C. Borromeo said. The offer period for RTB-25 began on February 9, 2021 and closed as scheduled on March 4. The three-year issuance carried a coupon rate of 2.375% per annum. The total P463.32 billion raised from the bond offer is more than 15 times oversubscribed from the initial issue size of P30 billion. Proceeds from the issuance will partially fund the government’s national budget for 2021 to support programs aimed at strengthening the Philippine healthcare system and help accelerate economic recovery against the ongoing COVID-19 pandemic. LANDBANK is the Joint Lead Issue Manager for the RTB-25 offering. For more updates, please Follow, Like and Share the official LANDBANK Facebook, Instagram and YouTube accounts (@landbankofficial), Twitter (@LBP_Official), and join our Viber community (@LANDBANK), or visit the LANDBANK website (www.landbank.com).
READ MOREWith the recent spike in COVID-19 cases in the country, the Land Bank of the Philippines (LANDBANK) is extending once again the waiver of fees for online fund transfers of retail clients until June 30, 2021. The waiver of fees, previously extended only until March 31, 2021, covers online fund transfers facilitated through LANDBANK’s online banking channels via InstaPay and PESONet. Among these platforms is the LANDBANK Mobile Banking App (MBA) which facilitated 14.1 million transactions valued at P20.27 billion as of end-February, amounting to increases of 71% and 230%, respectively, over the same period in 2020. The LANDBANK MBA was upgraded last year to include new features such as an enhanced user interface, card-less withdrawal, and registration of Mastercard credit and prepaid cards. Since the government imposed health restrictions in March last year, LANDBANK has been encouraging clients to utilize its digital and e-banking channels. This continues as the greater Manila area is again placed under Enhanced Community Quarantine (ECQ). "LANDBANK remains committed in balancing service delivery and safety, by providing secure and convenient digital banking solutions while promoting health protection. We continue to urge our clients to utilize our online banking platforms and make cashless transactions, especially at this time when COVID-19 cases are rising,” LANDBANK President and CEO Cecilia C. Borromeo said. As of February 2021, LANDBANK’s five major electronic channels—LANDBANK MBA, Electronic Modified Disbursement System (eMDS), Link.BiZ Portal, i-Access, and we-Access—recorded a cumulative 18.59 million transactions amounting to P247.08 billion. These represent increases of P16% and 47%, respectively, year-on-year. The LANDBANK eMDS, dedicated for national government clients and partners, recorded 191,494 transactions or a 10% increase in volume, amounting to P152.86 billion, or a 68% growth, from February 2020. Likewise, the Bank’s e-payment platform, the LANDBANK Link.BiZ Portal, facilitated 660,490 transactions amounting to P1.39 billion, or equivalent to 37% and 41% increases, respectively. Meanwhile, the LANDBANK i-Access, which provides 24/7 online banking services to individual retail clients, logged a total of 879,483 transactions with a total value of P2.28 billion representing an 83% growth rate. LANDBANK we-Access, which caters to the online banking needs of corporate clients, facilitated 2,740,611 transactions amounting to P70.33 billion. For more information about LANDBANK’s e-Banking products and services, clients may visit the Bank’s official website (www.landbank.com), or follow the Bank’s official social media channels at @landbankofficial on Facebook and Instagram, @LBP_Official on Twitter, and @LANDBANK on Viber.
READ MORETo Our Valued Clients: Easter greetings to you and your family. Amid the recent rise in COVID-19 cases, we in LANDBANK remain committed to balancing uninterrupted service delivery while prioritizing your health and safety. We encourage you to continue using our digital and online platforms at the safety and comfort of your homes for your financial transactions. The LANDBANK iAccess and Mobile Banking App are available for your immediate banking needs. We have upgraded our mobile app with enhanced functionality and security features to provide you with a more convenient experience in accessing LANDBANK’s wide array of services at your fingertips. Similarly, the LANDBANK Link.BizPortal, WeAccess, Electronic Tax Payment System and Phone Access are all available to serve your requirements. We also understand your need to send support to your families or continue conducting your businesses during this pandemic. Which is why LANDBANK has extended the waiver of fees for fund transfers to other banks via InstaPay and PESONet to until June 30, 2021. While we continue to promote cashless transactions, we also ensure sufficient cash availability in all our ATMs should you need cash. Let me then take this opportunity to remind you to be extra vigilant in protecting your accounts against scams and security threats. Do not share your personal account details to prevent unauthorized use of your bank accounts or credit cards. Please report to us immediately if you notice any unusual transactions or activities in your accounts. For those who still need to transact in our branches, strict but necessary health protocols remain in place. As we all continue to fight this pandemic, rest assured that we are committed to working with the Filipino nation towards recovery and rising above this adversity. We are #BankingOnTheFilipinoSpirit as we look forward to healthier times. Thank you for your continued confidence in LANDBANK. Sincerely, CECILIA C. BORROMEO President and CEO Land Bank of the Philippines
READ MOREClients can now successfully open a savings account with Land Bank of the Philippines (LANDBANK) using their mobile phone at their own safety and convenience without the need to go to a LANDBANK branch. The state-run Bank launched the Digital On-Boarding System Mobile or DOBS Mobile on May 12, 2021, which facilitates online savings account opening in as fast as 10 to 15 minutes without even having to visit any of its branches. Using the LANDBANK Mobile Banking App (MBA) available on Google Play Store or Apple App Store, interested clients need only to fill out application forms online and upload a valid identification card such as UMID, Passport, PRC ID, SSS, company ID or even school ID to open a digital LANDBANK ATM Savings Account. The LANDBANK DOBS Mobile eliminates the need to line up in branches to open an account, in support of the National Government’s Ease of Doing Business (EODB) initiative, as well as safety protocols amid the ongoing pandemic. “The DOBS Mobile underscores LANDBANK’s continued commitment to provide accessible, convenient, and safe digital solutions. Our digital banking initiatives remain centered on balancing service delivery while ensuring the health and safety of our clients which is of utmost priority,” said LANDBANK Branch Banking Sector Head, Executive Vice President Julio D. Climaco, Jr. The digital bank account opened using the LANDBANK DOBS Mobile offers features such as cardless withdrawal via the mobile app, and funds transfer and bills payment through both the MBA and the LANDBANK iAccess, among others. Clients can also upgrade the digital bank account to a regular LANDBANK Visa Debit Card by visiting their branch of account and requesting for a physical card anytime. LANDBANK as a trailblazer in digital banking Prior to the launch of the DOBS Mobile, LANDBANK introduced DOBS in December 2018 as the first online account opening portal among universal banks in the Philippines. This pioneering web application raked in various accolades for the Bank, such as the Merit Award for Technology Development by the Association of Development Financing Institutions in Asia and the Pacific (ADFIAP) Development Awards in 2020; “Asia’s Most Inclusive Bank” in the 2019 Financial Insights Innovation Awards; and the “Digital Trailblazer in Financial Services” award conferred by the Bangko Sentral ng Pilipinas (BSP). As of April 30, 2021, a total of 1.53 million accounts have already been opened through DOBS, which is accessible through LANDBANK’s official website (www.landbank.com) or through the Digital Corner of selected LANDBANK branches for walk-in clients. For more information about LANDBANK’s e-banking services, clients may follow the Bank’s official social media channels at @landbankofficial on Facebook and Instagram, @LBP_Official on Twitter, and @LANDBANK on Viber.
READ MOREBeneficiaries of the Pantawid Pamilyang Pilipino Program (4Ps) in Parañaque City were able to avoid long queues, hours of waiting time, and health risks from COVID-19, by receiving their cash grants thru their cash cards. The City Government of Parañaque, in partnership with the Department of Social Welfare and Development (DSWD) and Land Bank of the Philippines (LANDBANK), successfully disbursed cash grants worth P28 million to 7,118 4Ps beneficiaries in Parañaque City by utilizing their existing LANDBANK cash cards on May 6 and 18, 2021. The partnership for the online distribution of the cash aid was formalized through a Memorandum of Agreement (MOA) signed between Parañaque City Mayor Edwin L. Olivarez, DSWD Secretary Rolando Joselito D. Bautista, and LANDBANK President and CEO Cecilia C. Borromeo on April 23, 2021. “Since the start of the COVID-19 pandemic, LANDBANK has worked closely with various government partners for the immediate and efficient distribution of cash subsidies. We will continuously leverage on our digital and online platforms to facilitate a safe and secure mode of delivering social amelioration programs,” LANDBANK President and CEO Borromeo said. Under the agreement, LANDBANK facilitated the crediting of financial assistance to the cash card accounts of qualified 4Ps beneficiaries based on the list provided by the Pantawid Pamilya Information System (PPIS) of the DSWD. The cash assistance in the amount of P1,000 per affected individual, with a maximum amount of P4,000 per family, is part of the National Government’s support to low-income families residing in the National Capital Region (NCR) and in the provinces of Bulacan, Cavite, Laguna, and Rizal, collectively known as the "NCR Plus," that were previously placed under enhanced community quarantine (ECQ) on March 29 to April 18, 2021. LANDBANK continues to record a usage surge for its digital and e-banking channels since health and mobility restrictions were implemented last year. From January to April 2021, LANDBANK’s five major electronic channels—Mobile Banking App, Electronic Modified Disbursement System (eMDS), Link.BizPortal, iAccess, and weAccess—facilitated a total of 38.89 million transactions amounting to P642.68 billion. These represent increases of 12% and 55% year-on-year for volume of transactions and value, respectively. Meanwhile, LANDBANK continues to waive fees for online fund transfers of retail clients until June 30, 2021. This covers online fund transfers facilitated through LANDBANK’s online banking channels via InstaPay and PESONet. For more information about LANDBANK’s e-Banking products and services, clients may visit the Bank’s official website (www.landbank.com), or follow the Bank’s official social media channels at @landbankofficial on Facebook and Instagram, @LBP_Official on Twitter, and @LANDBANK on Viber.
READ MOREAs of Thu, September 25, 2025
Buying | Selling | |
---|---|---|
USD | 57.35 | 58 |
JPY | 0.380045 | 0.395734 |
EUR | 66.376786 | 69.11338 |
GBP | 76.03933 | 79.174292 |
HKD | 7.346167 | 7.912824 |
As of Thu, September 25, 2025
UITF | NAVPU |
---|---|
Cash Management Fund | 1.586706 |
Money Market Fund | 1.331651 |
Money Market Plus Fund | 1.245676 |
PERA Money Market Fund | 1.03594 |
Medium-Term Bond Fund | 2.521508 |
Bond Fund | 2.08594 |
PERA Bond Fund | 1.240468 |
Balanced Fund | 2.658627 |
Growth Fund | 2.635587 |
Alpha Equity Fund | 3.109223 |
Blue Chip Equity Fund | 0.956648 |
Equity Fund | 0.809122 |
High Dividend Equity Fund | 1.0517 |
US$ Money Market Fund | 1.449414 |
Global $ Fund | 1.587266 |