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Write-downs (impairments) on securities held-to-maturity totaled ¤ 10 (2002: 31; 2001: 35) mn and are included in other expenses for investments. Reversal of impairments on securities held-to-maturity totaled ¤ 3 (2002: 2; 2001: 7) mn and are included in other income from investments. 

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## Securities available-for-sale 

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