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岳女共夫同床:如何在全球市场中脱颖而出!

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  一加13T评测:小屏大魔王设计性能续航一个都不能少

  作为尺寸限制的小屏手机,之前要么保性能要么偏续航总会有点牺牲。但一加这次深入思考了小屏手机的需求,加上技术的叠加,重新优化了机身结构,终于在小屏前提下,把外观,性能,续航都做了最佳状态,做到了小屏幕大魔王,性能强得不像小屏。

  德国商业银行分析师MichaelPfister在研报中指出,英国有限的财政政策回旋余地正对英镑构成阻力。

  周三数据显示,上一财年英国政府借款规模超出官方预期。Pfister称,近期经济增长几乎完全依赖公共部门支撑,若政府无法继续提供支持,经济前景将“更加黯淡”。

  他表示,英国央行可能进一步降息,特别是如果英国爆发全面贸易战并引发反通胀效应。“这对英镑并非利好信号:经济增长放缓和更大幅度降息或将同时出现。”

  要点

  数字银行独角兽Revolut周四表示,在截至2024年12月31日的财年里,其净利润总计11亿英镑(15亿美元),同比增长149%。

  在去年夏天获得银行牌照后,Revolut正准备转型成为一家在英国全面运营的银行,此时取得这一财务里程碑意义重大。

  Revolut的英国首席执行官此前曾表示,她认为获得全面银行授权是实现全球扩张以及最终进行首次公开募股(IPO)的关键一步。

Revolut首席执行官尼古拉・斯托龙斯基

  英国金融科技公司Revolut周四宣布,其年度利润首次突破10亿美元大关。对于这家公司而言,这是一个重大里程碑,因为它正准备在今年晚些时候推出其在英国的银行服务。

  Revolut通过一款应用程序提供一系列银行和金融服务。该公司表示,在截至2024年12月31日的财年里,其净利润总计11亿英镑(15亿美元),同比增长149%。得益于不同收入来源的增长,该公司的营收同比增长72%,达到31亿英镑。

  Revolut的财富业务部门(包括其股票交易业务)实现了大幅增长,营收飙升298%,达到5.06亿英镑,而订阅业务收入增长74%,达到4.23亿英镑。

  Revolut的贷款业务也显著增长,贷款总额增长86%,达到9.79亿英镑。再加上客户存款的增加,这使得利息收入增长了58%,总计达到7.9亿英镑。

  英国银行的推出

  对于这家成立近十年的公司而言,Revolut取得这一财务里程碑正值关键时刻。在去年夏天获得银行牌照后,这家数字银行独角兽一直在准备转型成为一家在英国全面运营的银行。

  2024年7月,Revolut从英国审慎监管局(PrudentialRegulationAuthority)获得了受限银行牌照,结束了自2021年就开始的漫长申请过程。

  受限牌照意味着Revolut目前处于“筹备”阶段,在此阶段,它专注于在全面推出服务之前建立其银行业务和基础设施。这一阶段通常持续约12个月。

  Revolut仍在等待监管机构的批准,以便在今年夏天将其在英国的1100万用户全部转移到一个新的银行实体。一旦全面运营,该公司将能够开始提供贷款、透支和抵押贷款服务,从而开辟新的收入来源。

  “客户信任银行”

  Revolut的首席财务官维克多・斯廷加周四告诉美国消费者新闻与商业频道(CNBC),该公司的目标是在今年晚些时候正式推出其在英国的银行服务。

  “正如你所能想象的,在这样的规模下,这是一个细致的过程,我们对此非常关注。”斯廷加说,“我们在这方面与审慎监管局(PRA)和金融行为监管局(FCA)保持着非常密切的联系和合作。我们觉得在这方面进展非常顺利。”

  斯廷加表示,在英国成为一家银行的一大优势是能够开始接受受政府担保保护的存款。持牌银行受金融服务补偿计划的覆盖,这意味着如果一家贷款机构倒闭,其客户可以索赔高达8.5万英镑。

  “客户信任银行,所以这意味着在这次转型过程中,客户会将Revolut用作主要的银行账户。”斯廷加说。

  Revolut的首席财务官称,贷款业务可以说是“获得银行牌照后解锁的最大业务发展方向”。他还补充说,该公司正考虑推出信用卡和个人贷款服务,类似于其凭借欧盟的另一张银行牌照已经在欧盟提供的产品。

  Revolut的英国负责人弗朗西斯卡・卡莱西此前曾告诉《华尔街曰报》,Revolut将其成为英国银行的历程视为全球扩张以及最终进行首次公开募股(IPO)的关键一步。“我的主要战略重点是让Revolut成为英国每个人的主要银行账户。”她对《华尔街曰报》说。

  Revolut仍面临着巨大挑战——其竞争对手Monzo和Starling比它领先了很长时间。Monzo在2017年获得了全面银行牌照,而Starling在2016年就获得了自己的牌照。

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