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Airtel声称其支付银行部门是独角兽

首席执行官Anubrata Biswas在接受《印度时报》采访时表示，盈利能力的一个关键驱动因素是，与银行业相比，该公司能够以相对较低的成本吸引许多客户。这家支付银行还从B2B(企业对企业)服务、交易费用、客户订阅和息差等方面建立了庞大的费用收入渠道。该银行的管理层在与分析师的电话会议上提出了独角兽的说法

孟买:电信巨头Bharti Airtel告诉投资者，它相信自己的子公司Airtel支付银行(APBL)是一家独角兽公司，指的是估值超过10亿美元的初创公司。这家支付银行在22财年首次实现了900亿卢比的全年盈利。财政收入增长了50%，超过94.1亿卢比。

对《印度时报》说Anubrata Biswas他说，盈利能力的一个关键驱动因素是，与银行业务相比，能够以相对较低的成本吸引许多客户行业．这家支付银行还从B2B(企业对企业)服务、交易费用、客户订阅和息差等方面建立了庞大的费用收入渠道。该银行的管理层在与分析师的电话会议上提出了独角兽的说法。

“我们的理想状态是成为三分之一的银行家、三分之一的创业公司和三分之一的快速消费品经销商。如果我们完全像一家银行那样运作，我们就无法扩大规模。”支付银行的另一个优势是它的分销网络附近的旅馆该银行已将其作为银行代理行聘用。现在它有50万个银行点。

APBL是六家获得许可的支付银行之一。虽然印度储备银行已经批准了11个申请，5个被淘汰。在六家持有牌照的银行中，除了APBL——印度邮政支付银行，Paytm支付银行和Fino支付银行——都有重要的业务。NSDL支付银行2018年10月开始运营，但尚未扩大规模。Reliance Industries-Jio支付银行尚未开展业务。

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MUMBAI: Telecom giant Bharti Airtel<\/a> has told investors that it believes its subsidiary Airtel Payments Bank<\/a> (APBL) is a unicorn - a term used to refer to startups with over $1 billion valuation. The payments bank recorded its first full-year profitability at Rs 9 crore for FY22. Revenues went up by 50% to over Rs 941 crore for the fiscal.

Speaking to TOI, CEO Anubrata Biswas<\/a> said that a key driver of profitability was the ability to onboard many customers at a relatively low cost compared to the banking industry<\/a>. The payments bank has also built a large fee income pipeline from B2B (business-to-business) services, fees on transactions, customer subscriptions and interest spread. The unicorn claim was made by the bank's management in a call with analysts.

\"Our dream state is to be one-third bankers, one-third startup and one-third FMCG distributors. If we were to operate fully as a bank, we would not be able to scale up,\" said Biswas. The other advantage for the payments bank is the distribution network of Airtel<\/a>, which the bank has been able to onboard as banking correspondents. It now has five lakh banking points.

<\/div><\/div>APBL is one of the six payments banks that are licensed. Although the RBI<\/a> had cleared 11 applications, five had wound up. Of the six that hold the licence, only three other than APBL - India Post Payments Bank, Paytm Payments Bank<\/a> and Fino Payments Bank - have significant operations. NSDL Payments Bank<\/a> commenced operations in October 2018 but is yet to scale up. Reliance Industries-Jio Payments Bank is yet to launch its operations.
<\/div><\/div>
Follow and connect with us on Twitter<\/a>, Facebook<\/a>, Linkedin<\/a>, Youtube<\/a><\/div>","centre":{"minfo":"TOID","minfoseo":"toid"},"NumberOfSentences":{"minfo":"15.0","minfoseo":"15-0"},"AutomatedReadabilityIndex":{"minfo":"14.0","minfoseo":"14-0"},"LastPublishMilliTime":{"minfo":"1654653456794","minfoseo":"1654653456794"},"ReadabilityGradeLevel":{"minfo":"College","minfoseo":"college"},"PageNo":{"minfo":"17.0","minfoseo":"17-0"},"HashCode":{"minfo":"666027469","minfoseo":"666027469"},"latestnewsflag":{"minfo":"1.0","minfoseo":"1-0"},"EPAPERDATE":{"minfo":"2022-06-08 00:00:00.0","minfoseo":"2022-06-08-000000-0"},"canonicalURL":{"minfo":"https:\/\/timesofindia.indiatimes.com\/business\/india-business\/airtel-claims-its-payments-bank-arm-is-unicorn\/articleshow\/92069580.cms","minfoseo":"https\/timesofindia-indiatimes-com\/business\/india-business\/airtel-claims-its-payments-bank-arm-is-unicorn\/articleshow\/92069580-cms"},"NumberOfCharacters":{"minfo":"1571.0","minfoseo":"1571-0"},"NumberOfWords":{"minfo":"265.0","minfoseo":"265-0"},"key":{"0":{"keyid":"6354287","value":"bharti airtel","smid":"0","keynameseo":"bharti-airtel","keytype":"","keycount":"totalcount","weightage":"100"},"1":{"keyid":"13459671","value":"airtel","smid":"0","keynameseo":"airtel","keytype":"","keycount":"totalcount","weightage":"90"},"2":{"keyid":"30067","value":"rbi","smid":"0","keynameseo":"rbi","keytype":"","keycount":"totalcount","weightage":"50"},"3":{"keyid":"3236791","value":"paytm payments bank","smid":"0","keynameseo":"paytm-payments-bank","keytype":"","keycount":"totalcount","weightage":"50"},"4":{"keyid":"6976269","value":"nsdl payments bank","smid":"0","keynameseo":"nsdl-payments-bank","keytype":"","keycount":"totalcount","weightage":"50"},"5":{"keyid":"6557284","value":"anubrata biswas","smid":"0","keynameseo":"anubrata-biswas","keytype":"","keycount":"totalcount","weightage":"50"},"7":{"keyid":"6742337","value":"Bharti Airtel news","smid":"0","keynameseo":"Bharti-Airtel-news","keytype":"","keycount":"totalcount","weightage":"20"},"8":{"keyid":"6385180","value":"Airtel Payments Bank","smid":"0","keynameseo":"Airtel-Payments-Bank","keytype":"","keycount":"totalcount","weightage":"20"}},"authorsplit":{"author":{"artau":"Mayur Shetty","aunameseo":"mayur-shetty","artauid":"5033","artauemail":"mayur.shetty@timesgroup.com","auselfimageid":"5033","auimageid":"005033","auimagelen":"9930","auFullName":"Mayur Shetty","pubname":"TOI","designame":"Editor","audetailsxml":{"authordetails":[],"details":{"detail":[{"@attributes":{"type":"occupation"}},{"@attributes":{"type":"beat"}}]}},"aulinksxml":{"links":{"link":{"twitter":"https:\/\/twitter.com\/toi_mayurS","facebook":"http:\/\/www.facebook.com\/toi.MayurS","googlePlusUrl":[],"contributorUrl":[]}}},"auagencyid":"87654367","auagencyname":"TNN","autype":"GENERAL"}},"similarlytagged":[{"msid":"97605033","stname":"Telecom Diary: Will budgetary push propel 5G development in India?","artsyn":"The 5G labs will realise a new range of opportunities, business models and employment potential. \"The labs will cover, among others, applications such as smart classrooms, precision farming, intelligent transport systems and healthcare applications,\u201d Finance Minister Nirmala Sitharaman announced in the Union Budget for 2023-24. The government will also set up three Centers of Excellence (CoEs) for artificial intelligence (AI) in top educational institutions to enable vision of Make AI in India and Make AI Work for India.","seolocation":"telecomnews\/telecom-diary-will-budgetary-push-propel-5g-development-in-india","seolocationalt":"Telecom Diary: Will budgetary push propel 5G development in India?","url_seo":"telecom-diary-will-budgetary-push-propel-5g-development-in-india"},{"msid":"97597019","stname":"Reliance Jio seeks Chandigarh MC nod to lay cables underground","artsyn":"\u201cThe company is initially looking to lay down cables in 70km-80km of area, which can be later extended. Fastway has sought permission in more area. The work is based on paper work. 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Market leader Reliance Jio lost the most number of active subscribers, a development which analysts said could delay headline tariff hikes in the industry.","seolocation":"telecomnews\/active-mobile-users-drop-4-5-min-in-nov-trend-to-continue-analysts","seolocationalt":"Active mobile users drop 4.5 min in Nov, trend to continue: Analysts","url_seo":"active-mobile-users-drop-4-5-min-in-nov-trend-to-continue-analysts"},{"msid":"97442218","stname":"Slowdown in Jio\u2019s active subscriber adds vs Airtel could lead to delays in tariff hike: Analysts","artsyn":"\u201cThe 3 million active subscriber decline for Jio in Nov-22 is its worst monthly performance since Jan-21, when it lost 3.5 million active subscribers. During the six-month period ending Feb-21, Jio's active subscriber adds were lower than Bharti by 20 million, leading to lower tariffs and bundled offers being announced by Jio in Mar-21 for featurephone users,\u201d as per Jefferies.","seolocation":"telecomnews\/slowdown-in-jios-active-subscriber-adds-vs-airtel-could-lead-to-delays-in-tariff-hike-analysts","seolocationalt":"Slowdown in Jio\u2019s active subscriber adds vs Airtel could lead to delays in tariff hike: Analysts","url_seo":"slowdown-in-jios-active-subscriber-adds-vs-airtel-could-lead-to-delays-in-tariff-hike-analysts"},{"msid":"97429997","stname":"Data consumption set to rise 10%-15% sequentially in June quarter: Analysts","artsyn":"They added that the estimated surge in mobile data usage during the IPL is also likely to hasten 5G adoption and boost appetite for mobile internet services in rural India where television penetration is relatively modest.","seolocation":"telecomnews\/data-consumption-set-to-rise-10-15-sequentially-in-june-quarter-analysts","seolocationalt":"Data consumption set to rise 10%-15% sequentially in June quarter: Analysts","url_seo":"data-consumption-set-to-rise-10-15-sequentially-in-june-quarter-analysts"},{"msid":"97400404","stname":"Telecom Diary: Telcos on 5G launch spree but infra takes a backseat","artsyn":"Even as the two incumbents Reliance Jio and Bharti Airtel make stellar 5G launch announcements, the industry data suggests that pervasive services may not be coming anytime soon across India.","seolocation":"telecomnews\/telecom-diary-telcos-on-5g-launch-spree-but-infra-takes-a-backseat","seolocationalt":"Telecom Diary: Telcos on 5G launch spree but infra takes a backseat","url_seo":"telecom-diary-telcos-on-5g-launch-spree-but-infra-takes-a-backseat"},{"msid":"97374517","stname":"Is a telecom tariff hike in the offing?","artsyn":"Analysts have predicted that Airtel's move will result in another round of tariff hikes in the telecom sector across India. 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