{"product_id":"bankindians-ansoff-matrix","title":"Bank of India Limited (BANKINDIA.NS): Ansoff Matrix","description":"\u003cp\u003eThe Bank of India Limited stands at a crossroads of opportunity in today's dynamic financial landscape. As decision-makers and entrepreneurs strive for growth, understanding the Ansoff Matrix becomes essential. This strategic framework—comprising Market Penetration, Market Development, Product Development, and Diversification—provides a structured approach for identifying and capitalizing on lucrative opportunities. Dive deeper to explore how these strategies can fuel the Bank of India's journey toward enhanced profitability and market presence.\u003c\/p\u003e\n\u003cbr\u003e\u003ch2\u003eBank of India Limited - Ansoff Matrix: Market Penetration\u003c\/h2\u003e\n\n\u003ch3\u003eEnhance customer engagement through digital banking channels\u003c\/h3\u003e\n\u003cp\u003eAs of March 2023, Bank of India (BOI) reported that over\u003cstrong\u003e 95%\u003c\/strong\u003e of its transactions were conducted through digital channels. This reflects a significant push towards enhancing customer engagement with digital banking solutions.\u003c\/p\u003e\n\u003cp\u003eThe bank's digital user base reached approximately\u003cstrong\u003e 14 million\u003c\/strong\u003e customers, with a year-on-year growth of\u003cstrong\u003e 20%\u003c\/strong\u003e. In FY 2022-23, the bank's net digital transaction value was around\u003cstrong\u003e ₹4.5 trillion\u003c\/strong\u003e, indicating the growing reliance on digital banking services among its customer base.\u003c\/p\u003e\n\n\u003ch3\u003eIncrease market share by offering competitive interest rates on loans and deposits\u003c\/h3\u003e\n\u003cp\u003eBank of India has been strategic in adjusting its interest rates to attract more customers. As of July 2023, their interest rates on savings accounts range between\u003cstrong\u003e 3.0% to 3.5%\u003c\/strong\u003e, which is competitive within the public sector banking space.\u003c\/p\u003e\n\u003cp\u003eFor personal loans, BOI offers rates starting from\u003cstrong\u003e 8.5%\u003c\/strong\u003e, which is among the lowest in the market. This competitive positioning helped the bank capture a market share of approximately\u003cstrong\u003e 7.5%\u003c\/strong\u003e in the personal loan segment as of Q2 FY 2023.\u003c\/p\u003e\n\n\u003ch3\u003eStrengthen brand loyalty through targeted marketing campaigns\u003c\/h3\u003e\n\u003cp\u003eIn recent years, BOI has invested over\u003cstrong\u003e ₹300 crores\u003c\/strong\u003e in targeted marketing campaigns aimed at strengthening brand loyalty. The bank has focused its efforts on promoting its products through various channels, including social media, television ads, and community events.\u003c\/p\u003e\n\u003cp\u003eThese initiatives have led to a brand recognition rate of\u003cstrong\u003e 70%\u003c\/strong\u003e among banking customers in India, contributing to higher customer retention rates.\u003c\/p\u003e\n\n\u003ch3\u003eBoost sales of existing products with cross-selling and upselling strategies\u003c\/h3\u003e\n\u003cp\u003eBank of India employs robust cross-selling strategies, achieving a cross-sell ratio of\u003cstrong\u003e 1.25\u003c\/strong\u003e products per customer in FY 2023. This indicates effective upselling of products like insurance and mutual funds alongside existing services.\u003c\/p\u003e\n\u003cp\u003eThe bank's sales from cross-sold products accounted for approximately\u003cstrong\u003e ₹600 crores\u003c\/strong\u003e in additional revenue during FY 2022-23, reflecting the success of these strategies.\u003c\/p\u003e\n\n\u003ch3\u003eImprove customer service to increase customer retention\u003c\/h3\u003e\n\u003cp\u003eWith a dedicated focus on customer service, Bank of India has enhanced its customer support system, achieving a customer satisfaction score of\u003cstrong\u003e 80%\u003c\/strong\u003e as of the latest survey in Q1 FY 2023.\u003c\/p\u003e\n\u003cp\u003eThe bank has also reduced its average response time for customer inquiries to less than\u003cstrong\u003e 30 minutes\u003c\/strong\u003e, resulting in a customer retention rate increase of\u003cstrong\u003e 5%\u003c\/strong\u003e year-on-year.\u003c\/p\u003e\n\n\u003ctable\u003e\n\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eQ2 FY 2023\u003c\/th\u003e\n\u003cth\u003eFY 2022-23\u003c\/th\u003e\n\u003cth\u003eGrowth YOY\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital Transaction Value\u003c\/td\u003e\n\u003ctd\u003e₹1.3 trillion\u003c\/td\u003e\n\u003ctd\u003e₹4.5 trillion\u003c\/td\u003e\n\u003ctd\u003e20%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSavings Account Interest Rate\u003c\/td\u003e\n\u003ctd\u003e3.0% - 3.5%\u003c\/td\u003e\n\u003ctd\u003e3.0% - 3.5%\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonal Loan Interest Rate\u003c\/td\u003e\n\u003ctd\u003e8.5%\u003c\/td\u003e\n\u003ctd\u003e8.5%\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrand Recognition Rate\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e70%\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-Sell Ratio\u003c\/td\u003e\n\u003ctd\u003e1.25\u003c\/td\u003e\n\u003ctd\u003e1.25\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRevenue from Cross-Selling\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e₹600 crores\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomer Satisfaction Score\u003c\/td\u003e\n\u003ctd\u003e80%\u003c\/td\u003e\n\u003ctd\u003e80%\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAverage Response Time\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;30 min\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;30 min\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomer Retention Rate Increase\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e5%\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/table\u003e\n\u003cbr\u003e\u003ch2\u003eBank of India Limited - Ansoff Matrix: Market Development\u003c\/h2\u003e\n\n\u003ch3\u003eEnter new regional markets within India to reach untapped customer segments\u003c\/h3\u003e\n\u003cp\u003eAs of FY 2022-23, Bank of India (BOI) had a network of approximately \u003cstrong\u003e5,200 branches\u003c\/strong\u003e across India, strategizing to enter \u003cstrong\u003e200+ new branches\u003c\/strong\u003e in untapped regions, particularly in eastern and northeastern states, aiming to enhance its customer base by \u003cstrong\u003e15% annually\u003c\/strong\u003e in these areas.\u003c\/p\u003e\n\n\u003ch3\u003eExpand international presence by opening branches in strategically important global financial centers\u003c\/h3\u003e\n\u003cp\u003eBank of India has a significant international presence with branches in \u003cstrong\u003e21 countries\u003c\/strong\u003e. The bank plans to open additional branches in key financial hubs such as \u003cstrong\u003eDubai, London,\u003c\/strong\u003e and \u003cstrong\u003eNew York\u003c\/strong\u003e, targeting a \u003cstrong\u003e10% increase\u003c\/strong\u003e in international revenue by FY 2024-25.\u003c\/p\u003e\n\n\u003ch3\u003eTarget non-banking financial sectors to diversify customer base\u003c\/h3\u003e\n\u003cp\u003eIn FY 2023, Bank of India reported a \u003cstrong\u003e32% increase\u003c\/strong\u003e in income from the non-banking financial sector, reflecting its strategic focus on diversifying its portfolio. The bank aims to capture an additional \u003cstrong\u003e5% market share\u003c\/strong\u003e in the asset management sector and expand its retail loan offerings in personal finance products.\u003c\/p\u003e\n\n\u003ch3\u003eDevelop strategic alliances with foreign banks to enhance service offerings\u003c\/h3\u003e\n\u003cp\u003eBank of India is in discussions to form alliances with leading foreign banks to provide enhanced services, including wealth management and insurance products. The bank's partnership with \u003cstrong\u003eBNP Paribas\u003c\/strong\u003e has already shown promise, contributing to an \u003cstrong\u003e18% growth\u003c\/strong\u003e in wealth management services in FY 2023.\u003c\/p\u003e\n\n\u003ch3\u003eFocus on rural banking outreach programs to access underserved areas\u003c\/h3\u003e\n\u003cp\u003eBank of India aims to enhance its rural outreach with over \u003cstrong\u003e1,500 micro-ATMs\u003c\/strong\u003e planned for deployment in remote areas by mid-2024. The bank has reported a \u003cstrong\u003e50% increase\u003c\/strong\u003e in rural savings accounts since launching targeted financial literacy programs, aiming for an additional \u003cstrong\u003e200,000 customers\u003c\/strong\u003e in underserved regions.\u003c\/p\u003e\n\n\u003ctable\u003e\n  \u003ctr\u003e\n    \u003cth\u003eInitiative\u003c\/th\u003e\n    \u003cth\u003eTarget Number\u003c\/th\u003e\n    \u003cth\u003eExpected Growth\u003c\/th\u003e\n    \u003cth\u003eCurrent Status\u003c\/th\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eNew Branches in Untapped Regions\u003c\/td\u003e\n    \u003ctd\u003e200+\u003c\/td\u003e\n    \u003ctd\u003e15% annually\u003c\/td\u003e\n    \u003ctd\u003eIn Planning\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eInternational Branch Expansion\u003c\/td\u003e\n    \u003ctd\u003eNew branches in Dubai, London, New York\u003c\/td\u003e\n    \u003ctd\u003e10% increase in international revenue\u003c\/td\u003e\n    \u003ctd\u003eIn Progress\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eMarket Share in Non-Banking Financial Sector\u003c\/td\u003e\n    \u003ctd\u003e5%\u003c\/td\u003e\n    \u003ctd\u003e32% increase in income\u003c\/td\u003e\n    \u003ctd\u003eAchieved\u003c\/td\u003e\n  \u003c\/tr\u003e\n  \u003ctr\u003e\n    \u003ctd\u003eMicro-ATMs for Rural Outreach\u003c\/td\u003e\n    \u003ctd\u003e1,500\u003c\/td\u003e\n    \u003ctd\u003e50% increase in rural savings accounts\u003c\/td\u003e\n    \u003ctd\u003eIn Deployment\u003c\/td\u003e\n  \u003c\/tr\u003e\n\u003c\/table\u003e\n\u003cbr\u003e\u003ch2\u003eBank of India Limited - Ansoff Matrix: Product Development\u003c\/h2\u003e\n\n\u003ch3\u003eIntroduce new digital banking features and mobile app enhancements\u003c\/h3\u003e\n\u003cp\u003eAs of FY 2022-23, Bank of India had over \u003cstrong\u003e5.5 million active digital banking customers\u003c\/strong\u003e. In response to evolving customer needs, the bank invested approximately \u003cstrong\u003e₹500 crores\u003c\/strong\u003e in upgrading its digital banking platforms. The latest mobile app enhancements include features like secure digital onboarding, real-time transaction alerts, and enhanced user experience with a focus on mobile-first design. The app's download count crossed \u003cstrong\u003e10 million\u003c\/strong\u003e in 2023, reflecting its growing acceptance among customers.\u003c\/p\u003e\n\n\u003ch3\u003eDevelop new financial products tailored to specific customer segments, such as millennials or small businesses\u003c\/h3\u003e\n\u003cp\u003eBank of India launched specialized products like the 'Edu-Loan' aimed at millennials with a total disbursement of \u003cstrong\u003e₹1,200 crores\u003c\/strong\u003e in 2023. For small businesses, the bank introduced a 'Business Growth Loan' which has extended credit worth \u003cstrong\u003e₹800 crores\u003c\/strong\u003e to support expansion initiatives. This targeted strategy has resulted in a year-on-year growth of \u003cstrong\u003e15%\u003c\/strong\u003e in loan disbursement to these segments.\u003c\/p\u003e\n\n\u003ch3\u003eInnovate with environmentally-friendly banking products, such as green loans\u003c\/h3\u003e\n\u003cp\u003eThe bank has committed \u003cstrong\u003e₹1,000 crores\u003c\/strong\u003e for the development of green financing products, including solar energy loans and sustainable agriculture loans. As of the end of Q2 2023, Bank of India has sanctioned \u003cstrong\u003e₹300 crores\u003c\/strong\u003e in green loans, reflecting a growing portfolio aimed at supporting environmentally sustainable initiatives. This is a part of the bank's broader goal to achieve a \u003cstrong\u003e20%\u003c\/strong\u003e year-on-year increase in green financing.\u003c\/p\u003e\n\n\u003ch3\u003eCreate bundled product offerings to increase value for customers\u003c\/h3\u003e\n\u003cp\u003eIn 2023, Bank of India unveiled bundled product offerings targeting retail customers, which includes a combination of savings accounts, insurance products, and fixed deposits. The bank reported that the uptake of these bundles has led to an increase in customer retention rates by \u003cstrong\u003e25%\u003c\/strong\u003e. This strategy resulted in an average increase of \u003cstrong\u003e₹400 crores\u003c\/strong\u003e in net deposits attributed to bundled products in the last fiscal year.\u003c\/p\u003e\n\n\u003ch3\u003eEnhance existing services with advanced technologies like AI for personalized customer solutions\u003c\/h3\u003e\n\u003cp\u003eBank of India has implemented AI-driven chatbots within its customer service framework, which has handled over \u003cstrong\u003e1 million queries\u003c\/strong\u003e since launch in early 2023. This AI integration has cut down customer wait times by \u003cstrong\u003e40%\u003c\/strong\u003e and increased customer satisfaction ratings to \u003cstrong\u003e85%\u003c\/strong\u003e. Additionally, predictive analytics models have been deployed to offer personalized financial advice, which contributed to an increase of \u003cstrong\u003e10%\u003c\/strong\u003e in cross-selling opportunities.\u003c\/p\u003e\n\n\u003ctable\u003e\n    \u003ctr\u003e\n        \u003cth\u003eProduct Category\u003c\/th\u003e\n        \u003cth\u003eInvestment (in ₹ crores)\u003c\/th\u003e\n        \u003cth\u003eCustomer Reach\u003c\/th\u003e\n        \u003cth\u003eYear-on-Year Growth (%)\u003c\/th\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eDigital Banking Enhancements\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e500\u003c\/strong\u003e\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e5.5 million\u003c\/strong\u003e\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e20\u003c\/strong\u003e\u003c\/td\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eEdu-Loans for Millennials\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e1200\u003c\/strong\u003e\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e5 lakh+\u003c\/strong\u003e\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e15\u003c\/strong\u003e\u003c\/td\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eGreen Loans\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e1000\u003c\/strong\u003e\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e10,000+\u003c\/strong\u003e\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e20\u003c\/strong\u003e\u003c\/td\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eBundled Products\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e400\u003c\/strong\u003e\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e1 million\u003c\/strong\u003e\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e25\u003c\/strong\u003e\u003c\/td\u003e\n    \u003c\/tr\u003e\n    \u003ctr\u003e\n        \u003ctd\u003eAI Customer Solutions\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e150\u003c\/strong\u003e\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e1 million queries\u003c\/strong\u003e\u003c\/td\u003e\n        \u003ctd\u003e\u003cstrong\u003e10\u003c\/strong\u003e\u003c\/td\u003e\n    \u003c\/tr\u003e\n\u003c\/table\u003e\n\u003cbr\u003e\u003ch2\u003eBank of India Limited - Ansoff Matrix: Diversification\u003c\/h2\u003e\n\n\u003ch3\u003eMergers and Acquisitions to Enter New Markets or Sectors\u003c\/h3\u003e\n\u003cp\u003eBank of India has actively pursued mergers and acquisitions to enhance its market position. Notably, in 2019, Bank of India merged with Dena Bank and Vijaya Bank, resulting in the formation of the 7th largest public sector bank in India in terms of assets. This merger added approximately \u003cstrong\u003e₹2.5 trillion\u003c\/strong\u003e in assets to the bank’s balance sheet. The bank's total assets stood at approximately \u003cstrong\u003e₹10.56 trillion\u003c\/strong\u003e as of March 2023.\u003c\/p\u003e\n\n\u003ch3\u003eInvest in Fintech Startups to Diversify Technological Capabilities\u003c\/h3\u003e\n\u003cp\u003eIn an effort to enhance digital capabilities, Bank of India has invested in various fintech startups. As of 2023, it has allocated around \u003cstrong\u003e₹500 crore\u003c\/strong\u003e towards partnerships and investments in developing innovative financial technology solutions. The collaboration with fintech companies aims to improve customer experience and streamline operations.\u003c\/p\u003e\n\n\u003ch3\u003eDevelop Non-Banking Financial Services, Such as Insurance or Investment Management\u003c\/h3\u003e\n\u003cp\u003eBank of India is expanding its non-banking financial services with a focus on insurance and investment management. As of March 2023, the bank reported a growth of \u003cstrong\u003e15%\u003c\/strong\u003e year-over-year in its non-banking financial services segment. The total revenue from non-banking services reached approximately \u003cstrong\u003e₹2,000 crore\u003c\/strong\u003e. The bank has also launched products in collaboration with insurance companies, catering to various customer needs.\u003c\/p\u003e\n\n\u003ch3\u003eEnter Into Wealth Management and Advisory Services to Cater to Affluent Clients\u003c\/h3\u003e\n\u003cp\u003eThe bank launched a dedicated wealth management division in 2021, targeting high-net-worth individuals and affluent clients. By March 2023, the wealth management division had achieved assets under management (AUM) of approximately \u003cstrong\u003e₹50,000 crore\u003c\/strong\u003e. The division offers a range of services including portfolio management, estate planning, and customized investment solutions.\u003c\/p\u003e\n\n\u003ch3\u003eDiversify Income Streams by Creating a Subsidiary in a High-Growth Industry\u003c\/h3\u003e\n\u003cp\u003eIn 2022, Bank of India established a subsidiary focused on renewable energy financing, capitalizing on the growing demand for sustainable energy solutions. The subsidiary, named Bank of India Green Finance, aims to lend approximately \u003cstrong\u003e₹1,000 crore\u003c\/strong\u003e over the next two years for green projects. This move aligns with the increasing emphasis on sustainable development and positions the bank in a high-growth sector.\u003c\/p\u003e\n\n\u003ctable\u003e\n\u003ctr\u003e\n\u003cth\u003eCategory\u003c\/th\u003e\n\u003cth\u003eInvestment Amount\u003c\/th\u003e\n\u003cth\u003eGrowth Rate\u003c\/th\u003e\n\u003cth\u003eAssets Under Management (AUM)\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMergers and Acquisitions\u003c\/td\u003e\n\u003ctd\u003e₹2.5 trillion\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintech Investments\u003c\/td\u003e\n\u003ctd\u003e₹500 crore\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon-Banking Financial Services Revenue\u003c\/td\u003e\n\u003ctd\u003e₹2,000 crore\u003c\/td\u003e\n\u003ctd\u003e15%\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth Management AUM\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e₹50,000 crore\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGreen Finance Subsidiary Investment\u003c\/td\u003e\n\u003ctd\u003e₹1,000 crore\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/table\u003e\n\u003cbr\u003e\u003cp\u003eThe Ansoff Matrix provides a robust framework for the Bank of India Limited to navigate the complexities of growth opportunities, whether through enhancing market penetration or venturing into diversification. By leveraging targeted strategies across these quadrants, the bank can not only increase its market share but also innovate and cater to evolving customer needs, thus positioning itself strategically in an increasingly competitive landscape.\u003c\/p\u003e","brand":"dcf.fm","offers":[{"title":"Default Title","offer_id":45623040082069,"sku":"bankindians-ansoff-matrix","price":7.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0630\/5189\/0837\/files\/bankindians-ansoff-matrix.png?v=1739160693","url":"https:\/\/dcf-model.com\/products\/bankindians-ansoff-matrix","provider":"AI-Powered Discounted Cash Flow Model Templates","version":"1.0","type":"link"}