KOLKATA: Airtel Payments Bank<\/a>, a unit of Bharti Airtel<\/a>, is estimated to generate $1 billion (around Rs 7,650 crore) in annual revenue<\/a> by 2030 on the back of an estimated 10-fold jump in its gross transactions value (GTV<\/a>) and a sharp rise in its monthly transacting user base, say analysts. “Bharti已经找到一种方法来生成在印度fintech盈利,我们模型Airtel支付银行上升到2030年10亿美元的收入,”总部位于伦敦的电信研究公司新街在一份报告中说,并补充说APB的当前价值(阅读:估值)估计为35亿美元左右。 加尔各答:Airtel支付银行,一个单位的Bharti Airtel,估计产生每年10亿美元(约7650卢比)收入估计到2030年的10倍的交易总额(制造中心),在其月度交易用户急剧上升,分析师说。
Airtel<\/a> Payments Bank (APB), which turned profitable in the September quarter of FY22, currently has a revenue<\/a> of Rs 1,000 crore on an annualised basis.
“Bharti has found a way to generate profit in Indian fintech, and we model Airtel<\/a> Payments Bank rising to $1 billion of revenue by 2030,” London-based telecoms research firm New Street said in a note, adding that APB's current worth (read: valuation) is estimated at around $3.5 billion.
The estimated revenue jump, it said, is based on Airtel Payment Bank<\/a>’s GTV<\/a> growing from 0.7% of Indian GDP now to 2.8% over time, its current base of 32 million (monthly) revenue generating users rising to 200 million by 2030 and its average revenue per user (ARPU) growing 3% annually.
Airtel Payments Bank<\/a>’s GTV was at Rs 1.5 lakh-crore ($20 billion) on an annualised basis in the December quarter, FY22.
CLSA said “Airtel Payment Bank<\/a>’s revenue\/ARPU is not consolidated with Bharti as per RBI<\/a>’s mandate despite 100% ownership, but Bharti may look to unlock value of this successful digital pivot”. Airtel Payments Bank is 70% owned by Airtel and 30% by Bharti Enterprises<\/a>.
The global brokerage added that \"APB’s edge versus competition is led by the access and reach of Bharti’s 184 million unique users across digital assets and India’s largest B2B app for retailers”.
Analysts say APB’s immediate focus is three-fold: it aims to become the largest bank for an estimated 500 million-odd financially under-banked Indians, sharpening its B2B focus by enabling digitisation of small-ticket cash transactions, such as food deliveries, and facilitating digital payments (read: bill payments) for tech-savvy urban customers.
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Industry<\/a> experts see strong revenue generation potential for APB in the B2B space by way of cash management services, especially as its take rate at 0.8% is the highest in the payments banking space. The take rate is a metric to measure conversion of GTV into revenue.
CLSA, though, said that among the six operating payment banks, “APB has the third-largest customer deposits base at Rs 6 billion (Rs 600 crore), behind PayTM, which has the highest at Rs 34.5 billion (Rs 3,450 crore) followed by India Post Payments Bank at Rs 8.6 billion (Rs 860 crore)”.
Senior company executives recently told ET that APB plans to double its countrywide network of business correspondents (BCs) to 1 million and drive monetisation through a combination of transactions and interest-based income, besides boosting revenue from cash management services in the B2B space.
The immediate goal is to gain necessary reach to cater to the remittances market and the Aadhaar-enabled payment services business to serve millions of potential subscribers in the tier-3 and beyond markets.
CLSA said Airtel’s payments banking arm now has “a 16% share in domestic remittances, 7% in Aadhaar-enabled payment systems, is also the fourth-largest Fastag issuer, and has 2.6 million financial products cross-sold”.
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Airtel支付银行收入到2030年将跃升至10亿美元
附近的旅馆支付银行(APB), 9月的季度盈利FY22,目前收入折合成年率为1000卢比。
“Bharti已经找到一种方法来生成在印度fintech盈利,我们的模型附近的旅馆付款银行上升到2030年10亿美元的收入,”总部位于伦敦的电信研究公司新街在一份报告中称,并补充说APB的当前价值(估值)估计为35亿美元左右。
Airtel支付银行1.5的制造中心在Rs lakh-crore(200亿美元)12月季度按年率计算,FY22。
里昂证券说,“Airtel付款银行的收入/ ARPU与Bharti根据不整合印度储备银行的使命,尽管100%的所有权,但Bharti的价值看起来解锁成功的数字主”。Airtel支付银行Airtel持股70%和30%Bharti企业。
全球经纪公司补充说“APB的边缘与竞争是由访问和Bharti的1.84亿用户的数字资产和印度最大的B2B应用程序为零售商”。
分析师称APB的重点是三个方面:它的目标是成为全球最大银行估计有500此情此景财务业务印第安人,锐化的B2B集中使数字化的小额现金交易消费时,如食品供应和促进数字(阅读:比尔支付)支付技术城市客户。
行业专家认为强大的创收潜力APB在B2B领域的现金管理服务,尤其是当其以利率为0.8%支付银行空间中是最高的。取率是一个度量来衡量制造转化为收入。
里昂证券,虽然说,在六个操作付款银行,“APB的第三大客户存款基地60亿卢比(600卢比),PayTM背后,最高在345亿卢比(3450卢比)紧随其后的是印度邮政支付银行86亿卢比(860卢比)”。
公司高管最近告诉ET, APB计划双网络遍及全国的商业记者(BCs)到100万和驱动盈利通过交易和利益的收入,除了增加收入的现金管理服务在B2B领域。
最直接的目标是获得必要达到迎合市场和Aadhaar-enabled汇款支付服务业务提供数以百万计的潜在用户在3级和超越市场。
里昂证券表示,Airtel的支付银行部门现在有“16%的份额在国内汇款,7%在Aadhaar-enabled支付系统,也是第四大Fastag发行人,260万年金融产品cross-sold”。
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KOLKATA: Airtel Payments Bank<\/a>, a unit of Bharti Airtel<\/a>, is estimated to generate $1 billion (around Rs 7,650 crore) in annual revenue<\/a> by 2030 on the back of an estimated 10-fold jump in its gross transactions value (GTV<\/a>) and a sharp rise in its monthly transacting user base, say analysts.
Airtel<\/a> Payments Bank (APB), which turned profitable in the September quarter of FY22, currently has a revenue<\/a> of Rs 1,000 crore on an annualised basis.
“Bharti has found a way to generate profit in Indian fintech, and we model Airtel<\/a> Payments Bank rising to $1 billion of revenue by 2030,” London-based telecoms research firm New Street said in a note, adding that APB's current worth (read: valuation) is estimated at around $3.5 billion.
The estimated revenue jump, it said, is based on Airtel Payment Bank<\/a>’s GTV<\/a> growing from 0.7% of Indian GDP now to 2.8% over time, its current base of 32 million (monthly) revenue generating users rising to 200 million by 2030 and its average revenue per user (ARPU) growing 3% annually.
Airtel Payments Bank<\/a>’s GTV was at Rs 1.5 lakh-crore ($20 billion) on an annualised basis in the December quarter, FY22.
CLSA said “Airtel Payment Bank<\/a>’s revenue\/ARPU is not consolidated with Bharti as per RBI<\/a>’s mandate despite 100% ownership, but Bharti may look to unlock value of this successful digital pivot”. Airtel Payments Bank is 70% owned by Airtel and 30% by Bharti Enterprises<\/a>.
The global brokerage added that \"APB’s edge versus competition is led by the access and reach of Bharti’s 184 million unique users across digital assets and India’s largest B2B app for retailers”.
Analysts say APB’s immediate focus is three-fold: it aims to become the largest bank for an estimated 500 million-odd financially under-banked Indians, sharpening its B2B focus by enabling digitisation of small-ticket cash transactions, such as food deliveries, and facilitating digital payments (read: bill payments) for tech-savvy urban customers.
Industry<\/a> experts see strong revenue generation potential for APB in the B2B space by way of cash management services, especially as its take rate at 0.8% is the highest in the payments banking space. The take rate is a metric to measure conversion of GTV into revenue.
CLSA, though, said that among the six operating payment banks, “APB has the third-largest customer deposits base at Rs 6 billion (Rs 600 crore), behind PayTM, which has the highest at Rs 34.5 billion (Rs 3,450 crore) followed by India Post Payments Bank at Rs 8.6 billion (Rs 860 crore)”.
Senior company executives recently told ET that APB plans to double its countrywide network of business correspondents (BCs) to 1 million and drive monetisation through a combination of transactions and interest-based income, besides boosting revenue from cash management services in the B2B space.
The immediate goal is to gain necessary reach to cater to the remittances market and the Aadhaar-enabled payment services business to serve millions of potential subscribers in the tier-3 and beyond markets.
CLSA said Airtel’s payments banking arm now has “a 16% share in domestic remittances, 7% in Aadhaar-enabled payment systems, is also the fourth-largest Fastag issuer, and has 2.6 million financial products cross-sold”.
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