Global Large Unsecured Loan Market Analysis and Forecast 2026-2032
Description
The global Large Unsecured Loan market is projected to grow from US$ million in 2026 to US$ million by 2032, at a Compound Annual Growth Rate (CAGR) of % during the forecast period.
The North America market for Large Unsecured Loan is estimated to increase from $ million in 2026 to reach $ million by 2032, at a CAGR of % during the forecast period of 2026 through 2032.
Europe market for Large Unsecured Loan is estimated to increase from $ million in 2026 to reach $ million by 2032, at a CAGR of % during the forecast period of 2026 through 2032.
Asia-Pacific market for Large Unsecured Loan is estimated to increase from $ million in 2026 to reach $ million by 2032, at a CAGR of % during the forecast period of 2026 through 2032.
The China market for Large Unsecured Loan is estimated to increase from $ million in 2026 to reach $ million by 2032, at a CAGR of % during the forecast period of 2026 through 2032.
The major global companies of Large Unsecured Loan include Bank Of America Corporation, Wells Fargo Bank, Royal Bank Of Canada, DB USA Corporation, BNP Paribas USA and JP Morgan Chase & Co, etc. In 2025, the world's top three vendors accounted for approximately % of the revenue.
Report Includes
This report presents an overview of global market for Large Unsecured Loan, market size. Analyses of the global market trends, with historic market revenue data for 2021 - 2025, estimates for 2026, and projections of CAGR through 2032.
This report researches the key producers of Large Unsecured Loan, also provides the revenue of main regions and countries. Of the upcoming market potential for Large Unsecured Loan, and key regions or countries of focus to forecast this market into various segments and sub-segments. Country specific data and market value analysis for the U.S., Canada, Mexico, Brazil, China, Japan, South Korea, Southeast Asia, India, Germany, the U.K., Italy, Middle East, Africa, and Other Countries.
This report focuses on the Large Unsecured Loan revenue, market share and industry ranking of main manufacturers, data from 2021 to 2026. Identification of the major stakeholders in the global Large Unsecured Loan market, and analysis of their competitive landscape and market positioning based on recent developments and segmental revenues. This report will help stakeholders to understand the competitive landscape and gain more insights and position their businesses and market strategies in a better way.
This report analyzes the segments data by Type and by Application, revenue, and growth rate, from 2021 to 2032. Evaluation and forecast the market size for Large Unsecured Loan revenue, projected growth trends, production technology, application and end-user industry.
Large Unsecured Loan Segment by Company
Bank Of America Corporation
Wells Fargo Bank
Royal Bank Of Canada
DB USA Corporation
BNP Paribas USA
JP Morgan Chase & Co
Large Unsecured Loan Segment by Type
Short Term
Medium Term
Long Term
Large Unsecured Loan Segment by Application
Retail
IT & Telecom
Healthcare
Food Industry
Others
Large Unsecured Loan Segment by Region
North America
United States
Canada
Mexico
Europe
Germany
France
U.K.
Italy
Russia
Spain
Netherlands
Switzerland
Sweden
Poland
Asia-Pacific
China
Japan
South Korea
India
Australia
Taiwan
Southeast Asia
South America
Brazil
Argentina
Chile
Middle East & Africa
Egypt
South Africa
Israel
Türkiye
GCC Countries
Study Objectives
1. To analyze and research the global status and future forecast, involving growth rate (CAGR), market share, historical and forecast.
2. To present the key players, revenue, market share, and Recent Developments.
3. To split the breakdown data by regions, type, manufacturers, and Application.
4. To analyze the global and key regions market potential and advantage, opportunity and challenge, restraints, and risks.
5. To identify significant trends, drivers, influence factors in global and regions.
6. To analyze competitive developments such as expansions, agreements, new product launches, and acquisitions in the market.
Reasons to Buy This Report
1. This report will help the readers to understand the competition within the industries and strategies for the competitive environment to enhance the potential profit. The report also focuses on the competitive landscape of the global Large Unsecured Loan market, and introduces in detail the market share, industry ranking, competitor ecosystem, market performance, new product development, operation situation, expansion, and acquisition. etc. of the main players, which helps the readers to identify the main competitors and deeply understand the competition pattern of the market.
2. This report will help stakeholders to understand the global industry status and trends of Large Unsecured Loan and provides them with information on key market drivers, restraints, challenges, and opportunities.
3. This report will help stakeholders to understand competitors better and gain more insights to strengthen their position in their businesses. The competitive landscape section includes the market share and rank (in market size), competitor ecosystem, new product development, expansion, and acquisition.
4. This report stays updated with novel technology integration, features, and the latest developments in the market.
5. This report helps stakeholders to gain insights into which regions to target globally.
6. This report helps stakeholders to gain insights into the end-user perception concerning the adoption of Large Unsecured Loan.
7. This report helps stakeholders to identify some of the key players in the market and understand their valuable contribution.
Chapter Outline
Chapter 1: Introduces the report scope of the report, executive summary of different market segments (product type, application, etc), including the market size of each market segment, future development potential, and so on. It offers a high-level view of the current state of the market and its likely evolution in the short to mid-term, and long term.
Chapter 2: Introduces the market dynamics, latest developments of the market, the driving factors and restrictive factors of the market, the challenges and risks faced by manufacturers in the industry, and the analysis of relevant policies in the industry.
Chapter 3: Revenue of Large Unsecured Loan in global and regional level. It provides a quantitative analysis of the market size and development potential of each region and its main countries and introduces the market development, future development prospects, market space, and capacity of each country in the world.
Chapter 4: Detailed analysis of Large Unsecured Loan company competitive landscape, revenue, market share and industry ranking, latest development plan, merger, and acquisition information, etc.
Chapter 5: Provides the analysis of various market segments by type, covering the revenue, and development potential of each market segment, to help readers find the blue ocean market in different market segments.
Chapter 6: Provides the analysis of various market segments by application, covering the revenue, and development potential of each market segment, to help readers find the blue ocean market in different downstream markets.
Chapter 7: Provides profiles of key companies, introducing the basic situation of the main companies in the market in detail, including product descriptions and specifications, Large Unsecured Loan revenue, gross margin, and recent development, etc.
Chapter 8: North America by type, by application and by country, revenue for each segment.
Chapter 9: Europe by type, by application and by country, revenue for each segment.
Chapter 10: China type, by application, revenue for each segment.
Chapter 11: Asia (excluding China) type, by application and by region, revenue for each segment.
Chapter 12: South America, Middle East and Africa by type, by application and by country, revenue for each segment.
Chapter 13: The main concluding insights of the report.
Please Note: Single-User license will be delivered via PDF from the publisher without the rights to print or to edit.
The North America market for Large Unsecured Loan is estimated to increase from $ million in 2026 to reach $ million by 2032, at a CAGR of % during the forecast period of 2026 through 2032.
Europe market for Large Unsecured Loan is estimated to increase from $ million in 2026 to reach $ million by 2032, at a CAGR of % during the forecast period of 2026 through 2032.
Asia-Pacific market for Large Unsecured Loan is estimated to increase from $ million in 2026 to reach $ million by 2032, at a CAGR of % during the forecast period of 2026 through 2032.
The China market for Large Unsecured Loan is estimated to increase from $ million in 2026 to reach $ million by 2032, at a CAGR of % during the forecast period of 2026 through 2032.
The major global companies of Large Unsecured Loan include Bank Of America Corporation, Wells Fargo Bank, Royal Bank Of Canada, DB USA Corporation, BNP Paribas USA and JP Morgan Chase & Co, etc. In 2025, the world's top three vendors accounted for approximately % of the revenue.
Report Includes
This report presents an overview of global market for Large Unsecured Loan, market size. Analyses of the global market trends, with historic market revenue data for 2021 - 2025, estimates for 2026, and projections of CAGR through 2032.
This report researches the key producers of Large Unsecured Loan, also provides the revenue of main regions and countries. Of the upcoming market potential for Large Unsecured Loan, and key regions or countries of focus to forecast this market into various segments and sub-segments. Country specific data and market value analysis for the U.S., Canada, Mexico, Brazil, China, Japan, South Korea, Southeast Asia, India, Germany, the U.K., Italy, Middle East, Africa, and Other Countries.
This report focuses on the Large Unsecured Loan revenue, market share and industry ranking of main manufacturers, data from 2021 to 2026. Identification of the major stakeholders in the global Large Unsecured Loan market, and analysis of their competitive landscape and market positioning based on recent developments and segmental revenues. This report will help stakeholders to understand the competitive landscape and gain more insights and position their businesses and market strategies in a better way.
This report analyzes the segments data by Type and by Application, revenue, and growth rate, from 2021 to 2032. Evaluation and forecast the market size for Large Unsecured Loan revenue, projected growth trends, production technology, application and end-user industry.
Large Unsecured Loan Segment by Company
Bank Of America Corporation
Wells Fargo Bank
Royal Bank Of Canada
DB USA Corporation
BNP Paribas USA
JP Morgan Chase & Co
Large Unsecured Loan Segment by Type
Short Term
Medium Term
Long Term
Large Unsecured Loan Segment by Application
Retail
IT & Telecom
Healthcare
Food Industry
Others
Large Unsecured Loan Segment by Region
North America
United States
Canada
Mexico
Europe
Germany
France
U.K.
Italy
Russia
Spain
Netherlands
Switzerland
Sweden
Poland
Asia-Pacific
China
Japan
South Korea
India
Australia
Taiwan
Southeast Asia
South America
Brazil
Argentina
Chile
Middle East & Africa
Egypt
South Africa
Israel
Türkiye
GCC Countries
Study Objectives
1. To analyze and research the global status and future forecast, involving growth rate (CAGR), market share, historical and forecast.
2. To present the key players, revenue, market share, and Recent Developments.
3. To split the breakdown data by regions, type, manufacturers, and Application.
4. To analyze the global and key regions market potential and advantage, opportunity and challenge, restraints, and risks.
5. To identify significant trends, drivers, influence factors in global and regions.
6. To analyze competitive developments such as expansions, agreements, new product launches, and acquisitions in the market.
Reasons to Buy This Report
1. This report will help the readers to understand the competition within the industries and strategies for the competitive environment to enhance the potential profit. The report also focuses on the competitive landscape of the global Large Unsecured Loan market, and introduces in detail the market share, industry ranking, competitor ecosystem, market performance, new product development, operation situation, expansion, and acquisition. etc. of the main players, which helps the readers to identify the main competitors and deeply understand the competition pattern of the market.
2. This report will help stakeholders to understand the global industry status and trends of Large Unsecured Loan and provides them with information on key market drivers, restraints, challenges, and opportunities.
3. This report will help stakeholders to understand competitors better and gain more insights to strengthen their position in their businesses. The competitive landscape section includes the market share and rank (in market size), competitor ecosystem, new product development, expansion, and acquisition.
4. This report stays updated with novel technology integration, features, and the latest developments in the market.
5. This report helps stakeholders to gain insights into which regions to target globally.
6. This report helps stakeholders to gain insights into the end-user perception concerning the adoption of Large Unsecured Loan.
7. This report helps stakeholders to identify some of the key players in the market and understand their valuable contribution.
Chapter Outline
Chapter 1: Introduces the report scope of the report, executive summary of different market segments (product type, application, etc), including the market size of each market segment, future development potential, and so on. It offers a high-level view of the current state of the market and its likely evolution in the short to mid-term, and long term.
Chapter 2: Introduces the market dynamics, latest developments of the market, the driving factors and restrictive factors of the market, the challenges and risks faced by manufacturers in the industry, and the analysis of relevant policies in the industry.
Chapter 3: Revenue of Large Unsecured Loan in global and regional level. It provides a quantitative analysis of the market size and development potential of each region and its main countries and introduces the market development, future development prospects, market space, and capacity of each country in the world.
Chapter 4: Detailed analysis of Large Unsecured Loan company competitive landscape, revenue, market share and industry ranking, latest development plan, merger, and acquisition information, etc.
Chapter 5: Provides the analysis of various market segments by type, covering the revenue, and development potential of each market segment, to help readers find the blue ocean market in different market segments.
Chapter 6: Provides the analysis of various market segments by application, covering the revenue, and development potential of each market segment, to help readers find the blue ocean market in different downstream markets.
Chapter 7: Provides profiles of key companies, introducing the basic situation of the main companies in the market in detail, including product descriptions and specifications, Large Unsecured Loan revenue, gross margin, and recent development, etc.
Chapter 8: North America by type, by application and by country, revenue for each segment.
Chapter 9: Europe by type, by application and by country, revenue for each segment.
Chapter 10: China type, by application, revenue for each segment.
Chapter 11: Asia (excluding China) type, by application and by region, revenue for each segment.
Chapter 12: South America, Middle East and Africa by type, by application and by country, revenue for each segment.
Chapter 13: The main concluding insights of the report.
Please Note: Single-User license will be delivered via PDF from the publisher without the rights to print or to edit.
Table of Contents
193 Pages
- 1 Market Overview
- 1.1 Product Definition
- 1.2 Large Unsecured Loan Market by Type
- 1.2.1 Global Large Unsecured Loan Market Size by Type, 2021 VS 2025 VS 2032
- 1.2.2 Short Term
- 1.2.3 Medium Term
- 1.2.4 Long Term
- 1.3 Large Unsecured Loan Market by Application
- 1.3.1 Global Large Unsecured Loan Market Size by Application, 2021 VS 2025 VS 2032
- 1.3.2 Retail
- 1.3.3 IT & Telecom
- 1.3.4 Healthcare
- 1.3.5 Food Industry
- 1.3.6 Others
- 1.4 Assumptions and Limitations
- 1.5 Study Goals and Objectives
- 2 Large Unsecured Loan Market Dynamics
- 2.1 Large Unsecured Loan Industry Trends
- 2.2 Large Unsecured Loan Industry Drivers
- 2.3 Large Unsecured Loan Industry Opportunities and Challenges
- 2.4 Large Unsecured Loan Industry Restraints
- 3 Global Growth Perspective
- 3.1 Global Large Unsecured Loan Market Perspective (2021-2032)
- 3.2 Global Large Unsecured Loan Growth Trends by Region
- 3.2.1 Global Large Unsecured Loan Market Size by Region: 2021 VS 2025 VS 2032
- 3.2.2 Global Large Unsecured Loan Market Size by Region (2021-2026)
- 3.2.3 Global Large Unsecured Loan Market Size by Region (2027-2032)
- 4 Competitive Landscape by Players
- 4.1 Global Large Unsecured Loan Revenue by Players
- 4.1.1 Global Large Unsecured Loan Revenue by Players (2021-2026)
- 4.1.2 Global Large Unsecured Loan Revenue Market Share by Players (2021-2026)
- 4.1.3 Global Large Unsecured Loan Players Revenue Share Top 10 and Top 5 in 2025
- 4.2 Global Large Unsecured Loan Key Players Ranking, 2024 VS 2025 VS 2026
- 4.3 Global Large Unsecured Loan Key Players Headquarters & Area Served
- 4.4 Global Large Unsecured Loan Players, Product Type & Application
- 4.5 Global Large Unsecured Loan Players Establishment Date
- 4.6 Market Competitive Analysis
- 4.6.1 Global Large Unsecured Loan Market CR5 and HHI
- 4.6.3 2025 Large Unsecured Loan Tier 1, Tier 2, and Tier 3
- 5 Large Unsecured Loan Market Size by Type
- 5.1 Global Large Unsecured Loan Revenue by Type (2021 VS 2025 VS 2032)
- 5.2 Global Large Unsecured Loan Revenue by Type (2021-2032)
- 5.3 Global Large Unsecured Loan Revenue Market Share by Type (2021-2032)
- 6 Large Unsecured Loan Market Size by Application
- 6.1 Global Large Unsecured Loan Revenue by Application (2021 VS 2025 VS 2032)
- 6.2 Global Large Unsecured Loan Revenue by Application (2021-2032)
- 6.3 Global Large Unsecured Loan Revenue Market Share by Application (2021-2032)
- 7 Company Profiles
- 7.1 Bank Of America Corporation
- 7.1.1 Bank Of America Corporation Company Information
- 7.1.2 Bank Of America Corporation Business Overview
- 7.1.3 Bank Of America Corporation Large Unsecured Loan Revenue and Gross Margin (2021-2026)
- 7.1.4 Bank Of America Corporation Large Unsecured Loan Product Portfolio
- 7.1.5 Bank Of America Corporation Recent Developments
- 7.2 Wells Fargo Bank
- 7.2.1 Wells Fargo Bank Company Information
- 7.2.2 Wells Fargo Bank Business Overview
- 7.2.3 Wells Fargo Bank Large Unsecured Loan Revenue and Gross Margin (2021-2026)
- 7.2.4 Wells Fargo Bank Large Unsecured Loan Product Portfolio
- 7.2.5 Wells Fargo Bank Recent Developments
- 7.3 Royal Bank Of Canada
- 7.3.1 Royal Bank Of Canada Company Information
- 7.3.2 Royal Bank Of Canada Business Overview
- 7.3.3 Royal Bank Of Canada Large Unsecured Loan Revenue and Gross Margin (2021-2026)
- 7.3.4 Royal Bank Of Canada Large Unsecured Loan Product Portfolio
- 7.3.5 Royal Bank Of Canada Recent Developments
- 7.4 DB USA Corporation
- 7.4.1 DB USA Corporation Company Information
- 7.4.2 DB USA Corporation Business Overview
- 7.4.3 DB USA Corporation Large Unsecured Loan Revenue and Gross Margin (2021-2026)
- 7.4.4 DB USA Corporation Large Unsecured Loan Product Portfolio
- 7.4.5 DB USA Corporation Recent Developments
- 7.5 BNP Paribas USA
- 7.5.1 BNP Paribas USA Company Information
- 7.5.2 BNP Paribas USA Business Overview
- 7.5.3 BNP Paribas USA Large Unsecured Loan Revenue and Gross Margin (2021-2026)
- 7.5.4 BNP Paribas USA Large Unsecured Loan Product Portfolio
- 7.5.5 BNP Paribas USA Recent Developments
- 7.6 JP Morgan Chase & Co
- 7.6.1 JP Morgan Chase & Co Company Information
- 7.6.2 JP Morgan Chase & Co Business Overview
- 7.6.3 JP Morgan Chase & Co Large Unsecured Loan Revenue and Gross Margin (2021-2026)
- 7.6.4 JP Morgan Chase & Co Large Unsecured Loan Product Portfolio
- 7.6.5 JP Morgan Chase & Co Recent Developments
- 8 North America
- 8.1 North America Large Unsecured Loan Revenue (2021-2032)
- 8.2 North America Large Unsecured Loan Revenue by Type (2021-2032)
- 8.2.1 North America Large Unsecured Loan Revenue by Type (2021-2026)
- 8.2.2 North America Large Unsecured Loan Revenue by Type (2027-2032)
- 8.3 North America Large Unsecured Loan Revenue Share by Type (2021-2032)
- 8.4 North America Large Unsecured Loan Revenue by Application (2021-2032)
- 8.4.1 North America Large Unsecured Loan Revenue by Application (2021-2026)
- 8.4.2 North America Large Unsecured Loan Revenue by Application (2027-2032)
- 8.5 North America Large Unsecured Loan Revenue Share by Application (2021-2032)
- 8.6 North America Large Unsecured Loan Revenue by Country
- 8.6.1 North America Large Unsecured Loan Revenue by Country (2021 VS 2025 VS 2032)
- 8.6.2 North America Large Unsecured Loan Revenue by Country (2021-2026)
- 8.6.3 North America Large Unsecured Loan Revenue by Country (2027-2032)
- 8.6.4 United States
- 8.6.5 Canada
- 8.6.6 Mexico
- 9 Europe
- 9.1 Europe Large Unsecured Loan Revenue (2021-2032)
- 9.2 Europe Large Unsecured Loan Revenue by Type (2021-2032)
- 9.2.1 Europe Large Unsecured Loan Revenue by Type (2021-2026)
- 9.2.2 Europe Large Unsecured Loan Revenue by Type (2027-2032)
- 9.3 Europe Large Unsecured Loan Revenue Share by Type (2021-2032)
- 9.4 Europe Large Unsecured Loan Revenue by Application (2021-2032)
- 9.4.1 Europe Large Unsecured Loan Revenue by Application (2021-2026)
- 9.4.2 Europe Large Unsecured Loan Revenue by Application (2027-2032)
- 9.5 Europe Large Unsecured Loan Revenue Share by Application (2021-2032)
- 9.6 Europe Large Unsecured Loan Revenue by Country
- 9.6.1 Europe Large Unsecured Loan Revenue by Country (2021 VS 2025 VS 2032)
- 9.6.2 Europe Large Unsecured Loan Revenue by Country (2021-2026)
- 9.6.3 Europe Large Unsecured Loan Revenue by Country (2027-2032)
- 9.6.4 Germany
- 9.6.5 France
- 9.6.6 U.K.
- 9.6.7 Italy
- 9.6.8 Russia
- 9.6.9 Spain
- 9.6.10 Netherlands
- 9.6.11 Switzerland
- 9.6.12 Sweden
- 9.6.13 Poland
- 10 China
- 10.1 China Large Unsecured Loan Revenue (2021-2032)
- 10.2 China Large Unsecured Loan Revenue by Type (2021-2032)
- 10.2.1 China Large Unsecured Loan Revenue by Type (2021-2026)
- 10.2.2 China Large Unsecured Loan Revenue by Type (2027-2032)
- 10.3 China Large Unsecured Loan Revenue Share by Type (2021-2032)
- 10.4 China Large Unsecured Loan Revenue by Application (2021-2032)
- 10.4.1 China Large Unsecured Loan Revenue by Application (2021-2026)
- 10.4.2 China Large Unsecured Loan Revenue by Application (2027-2032)
- 10.5 China Large Unsecured Loan Revenue Share by Application (2021-2032)
- 11 Asia (Excluding China)
- 11.1 Asia Large Unsecured Loan Revenue (2021-2032)
- 11.2 Asia Large Unsecured Loan Revenue by Type (2021-2032)
- 11.2.1 Asia Large Unsecured Loan Revenue by Type (2021-2026)
- 11.2.2 Asia Large Unsecured Loan Revenue by Type (2027-2032)
- 11.3 Asia Large Unsecured Loan Revenue Share by Type (2021-2032)
- 11.4 Asia Large Unsecured Loan Revenue by Application (2021-2032)
- 11.4.1 Asia Large Unsecured Loan Revenue by Application (2021-2026)
- 11.4.2 Asia Large Unsecured Loan Revenue by Application (2027-2032)
- 11.5 Asia Large Unsecured Loan Revenue Share by Application (2021-2032)
- 11.6 Asia Large Unsecured Loan Revenue by Country
- 11.6.1 Asia Large Unsecured Loan Revenue by Country (2021 VS 2025 VS 2032)
- 11.6.2 Asia Large Unsecured Loan Revenue by Country (2021-2026)
- 11.6.3 Asia Large Unsecured Loan Revenue by Country (2027-2032)
- 11.6.4 Japan
- 11.6.5 South Korea
- 11.6.6 India
- 11.6.7 Australia
- 11.6.8 Taiwan
- 11.6.9 Southeast Asia
- 12 South America, Middle East and Africa
- 12.1 SAMEA Large Unsecured Loan Revenue (2021-2032)
- 12.2 SAMEA Large Unsecured Loan Revenue by Type (2021-2032)
- 12.2.1 SAMEA Large Unsecured Loan Revenue by Type (2021-2026)
- 12.2.2 SAMEA Large Unsecured Loan Revenue by Type (2027-2032)
- 12.3 SAMEA Large Unsecured Loan Revenue Share by Type (2021-2032)
- 12.4 SAMEA Large Unsecured Loan Revenue by Application (2021-2032)
- 12.4.1 SAMEA Large Unsecured Loan Revenue by Application (2021-2026)
- 12.4.2 SAMEA Large Unsecured Loan Revenue by Application (2027-2032)
- 12.5 SAMEA Large Unsecured Loan Revenue Share by Application (2021-2032)
- 12.6 SAMEA Large Unsecured Loan Revenue by Country
- 12.6.1 SAMEA Large Unsecured Loan Revenue by Country (2021 VS 2025 VS 2032)
- 12.6.2 SAMEA Large Unsecured Loan Revenue by Country (2021-2026)
- 12.6.3 SAMEA Large Unsecured Loan Revenue by Country (2027-2032)
- 12.6.4 Brazil
- 12.6.5 Argentina
- 12.6.6 Chile
- 12.6.7 Colombia
- 12.6.8 Peru
- 12.6.9 Saudi Arabia
- 12.6.10 Israel
- 12.6.11 UAE
- 12.6.12 Turkey
- 12.6.13 Iran
- 12.6.14 Egypt
- 13 Concluding Insights
- 14 Appendix
- 14.1 Reasons for Doing This Study
- 14.2 Research Methodology
- 14.3 Research Process
- 14.4 Authors List of This Report
- 14.5 Data Source
- 14.5.1 Secondary Sources
- 14.5.2 Primary Sources
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