全球數(shù)字銀行市場(chǎng)前景及投資研究報(bào)告-培訓(xùn)課件外文版2024.4

DIGITAL

&

TRENDSDigitalbanksCHAPTER

01OverviewMarketsizeofneobanksfrom2021to2023,withaforecastfor2030(inbillionU.S.dollars)Neobanksglobalmarketsize2021-2023,withforecastfor20302,5002,0001,5001,0002,048.5350096.14202366.82202247.390202120304Description:Themarketsizeofneobankswasestimatedatmorethan47billionU.S.dollarsin2021,whichgrewto66.8billionU.S.dollarsin2022.Estimatesprojectthesector'smarketsizetogrowatanannualaveragerate(CAGR)of53.4percentuntil2030,reachingavalueof2.05trillionU.S.dollarsthatyear.ReadmoreNote(s):Worldwide;2021to2023Source(s):GrandViewResearchLeadingchallengerbanksworldwideasofApril2023,byvaluation(inbillionU.S.dollars)Leadingchallengerbanksworldwide2023,byvaluationMarketvalueinbillionU.S.dollars15051020253035Revolut(UK)Chime(U.S.)3325CashApp(U.S.)NuBank(Brazil)WeBank(China)Brex(U.S.)22212112Rakuten(Japan)Wise(UK)11.79.6AllyBank(U.S.)N26(Germany)995Description:TheUK-basedRevolutwasthemostvaluabledigitalbankworldwideasofJuly2023.Thechallengerbankfoundedin2015andheadquarteredinLondonwasworth33billionU.S.dollarsinJuly2023.SecondintherankingcameChime.Foundedin2013andheadquarteredinSanFrancisco,U.S.,thisdigitalbankwasworth25billionU.S.dollars.ReadmoreNote(s):Worldwide;April2023Source(s):Website()Numberofnewchallengerbankslaunchedannuallyworldwidefrom2014to2022Numberofnewchallengerbanksworldwide2014-20221009080706050409483595756513330201002182014201520162017201820192020202120226Description:Challengerbankshavebeenincreasinginpopularityandhavebeengrowinginnumberinrecentyears.Asthegraphshows,thenumberofchallengerbankslauncheshasgrownyear-on-yearuntil2020.In2021and2022,whilethenumberofchallengerbanksstillincreased,thepaceofincreasesloweddown.In2022,56newchallengerbankswerelaunched,threelessthaninthepreviousyear.

ReadmoreNote(s):Worldwide;2014to2022Source(s):Simon-Kucher&Partners;NumberofdigitalbanksworldwideasofJanuary2024,byregionNumberofdigitalbanksworldwide2024,byregionNumberofchallengerbanks020406080100120EuropeNorthAmerica11074SouthAmerica57Asia-Pacific47AfricaandMiddleEast187Description:Digitalbankshavebeenincreasinginpopularityandgrowinginnumberinrecentyears.AsofJanuary2024,Europewashometo110digitalbanks,thehighestacrosstheworld.NorthAmericaandSouthAmericacounted74and57digitalbanks,respectively.Digitalbanks(oftenreferredtoasneobanks,challengerbanks,onlinebanks,orapp-onlybanks)didnotonlygrowinnumberbutalsoincustomerbase,withsomeofthelargestdigitalbankscountingmorethan100millioncustomers.

ReadmoreNote(s):Worldwide;January2024Source(s):Website(NeoBanks.app)Valueofcustomerdepositsatdigitalbanksworldwidefrom2017to2023,withforecastsfrom2024to2028(inbillionU.S.dollars)Valueofdepositsatdigitalbanksworldwide2017-2023,withforecaststo2028353030.1528.4426.3125201510523.7420.3816.2811.7520228.744.962.91.650.930201720182019202020212023202420252026202720288Description:Between2017and2023,thevalueofcustomerdepositsatdigitalbanksworldwidegrewsharply,reaching16trillionU.S.dollarsin2023.AccordingtoStatista'sFinancialMarketInsights,thevalueofdepositsisforecasttogrowevenfurtherinthefollowingyears.By2028,thetotalvalueofcustomerdepositsisestimatedtoexceed30trillionU.S.dollars."ReadmoreNote(s):WorldwideSource(s):Netinterestincomeofthedigitalbankingindustryworldwidefrom2017to2023,withforecastsfrom2024to2028(inbillionU.S.dollars)Netinterestincomeofdigitalbanksworldwide2017-2023,withforecaststo20281,4001,219.321,2001,00080060040020001,149.511,061.02956.34822.52650.28470.78324.932021201.322020124.59201964.37201837.83201720222023202420252026202720289Description:Thenetinterestincomeofthedigitalbankingindustrymultipliedinrecentyears,reaching650billionU.S.dollarsin2023.AccordingtoFinancialMarketInsights,thenetinterestincomeofdigitalbankswillincreaseevenfurtherinthefollowingyears,exceeding1.2trillionU.S.dollarsin2028."ReadmoreNote(s):Worldwide;2017to2023Source(s):Netinterestincomeofthedigitalbankingindustryworldwidein2023,bycountry(inmillionU.S.dollars)Netinterestincomeofdigitalbanksworldwide2023,bycountryNetinterestincomeinmillionU.S.dollars020,00040,00060,00080,000100,000120,000140,000160,000UnitedStatesUnitedKingdomBrazil151,40099,17074,360France43,940GermanySouthKoreaChina29,97025,79022,960RussiaArgentinaItaly21,95021,92015,37012,93010,4709,735IrelandNetherlandsDenmark10Description:ThedigitalbankingindustryintheUnitedStateshadbyfarthelargestvalueofnetinterestincomeintheworldin2023.AccordingtowasfollowedbytheUnitedKingdom,wherethenetinterestincomeofdigitalbankswasslightlymorethan99billionU.S.dollars.ReadmoreNote(s):Germany;2023FinancialMarketInsights,thenetinterestincomeofdigitalbanksintheU.S.exceeded151billionU.S.dollars.ItSource(s):FinancialMarketInsightsCHAPTER

02FundingLeadingdigitalbanksworldwideasofJuly2023,bycapitalraised(inmillionU.S.dollars)Leadingdigitalbanksworldwide2023,bycapitalraisedValueinmillionU.S.dollars2,000

2,50005001,0001,5003,0003,5004,0003,9004,500NubankRakutenChime2,3002,3002,300C6BankJudoBankRevolutN261,8001,7001,700Wise1,300Monzo1,1001,100StarlingBank12Description:AsofJuly2023,Nubankwasthedigitalbankwhichraisedthemostcapitalsinceitsestablishmentin2013.Sincethen,theBraziliandigitalbankraisedatotalofapproximately3.9billionU.S.dollars.SecondintherankingcameRakuten,Chime,andC6Bank,whichraisedatotalof2.3billionU.S.dollars,each.ReadmoreNote(s):Worldwide;July2023Source(s):Website()TotalfundingraisedbyselectedindependentneobanksworldwideasofApril2023(inmillionU.S.dollars)Totalfundingofselectedindependentneobanksworldwide2023FundinginmillionU.S.dollars1,500

2,000

2,50005001,0003,0003,5004,0003,9004,500Nubank(Brazil)SoFi(U.S.)3,000Chime(U.S.)2,300Rakuten(Japan)C6Bank(Brazil)AntGroup(China)JudoBank(Australia)Revolut(UK)2,3002,3002,2001,8001,7001,700N26(Germany)Brex(US)1,50013Description:Challengerbankshavebeenexpandinginrecentyears,attractinganincreasingvolumeoffundingfrominvestorstodeveloptheirbusiness.Brazilianneobank,Nubank,wastheleadingneobankintermsofcapitalraisedasofApril2023,whichamountedto3.9billionU.S.dollars.SoFifollowed,withthreebillionU.S.dollarsraised.ReadmoreNote(s):Worldwide;AsofApril2023Source(s):Website()Leadingneobankindividualfundingroundsworldwidefrom2020toJuly2023(inmillionU.S.dollars)Leadingneobankindividualfundingroundsworldwide2020-202320202021202220231,4001,1501,2001,0008006004002000750650621578534300300300241215156.665.2ChimeNubankNeonVaroJudoBank*14Description:Challengerbankshavebeenexpandinginrecentyears,attractinganincreasingvolumeoffundingfrominvestorstodeveloptheirbusiness.In2020,theU.S.-basedChimeboastedthehighestvalueofcapitalraisedinanindividualfundinground,whichamountedto534millionU.S.dollars.Thefollowingyear,bothChimeandNubanktoppedtheirprevioushighestindividualfundingrounds,Chimewith750millionU.S.dollars,andNubankwith1150millionU.S.dollars.Nubankreceived[...]ReadmoreNote(s):Worldwide;2020toJuly2023;*ThevalueshavebeenconvertedwiththeexchangerateAUS/USDonJune21,2021,thedayofthefundinground.ReadmoreSource(s):Dealroom.co;CHAPTER

03UsersShareofbankaccountholdersprocessingbankingmattersviaonlinebanking(PCorlaptop)ormobilebanking(smartphoneortablet)worldwide2023,bycountryMobileandonlinebankingpenetrationworldwide2023,bycountryShareofrespondentsOnlinebankingpenetration(PC/laptop)20%

30%Mobilebankingpenetration(smartphone/tablet)0%10%40%50%60%70%80%33%AustraliaAustriaBrazil71%27%28%59%74%74%74%42%CanadaChinaFinlandFranceGermanyIndia60%46%68%7%30%54%32%50%52%48%ItalyJapanMexico51%62%28%44%70%16Description:In2023,SouthKoreahadthehighestmobilebankingpenetrationamongtheobservedcountries.AccordingtoStatista'sConsumerInsights,82percentoftherespondentsprocessedbankingmattersviasmartphoneortabletinKorea.Intermsofonlinebanking,however,Japanhadthehighestpenetrationrate,with62percentoftherespondentsusingeitheraPCorlaptoptoprocessbankingmatters.OnlinebankingpenetrationwasgenerallyhighinEuropeancountriessuchas[...]

ReadmoreNote(s):Worldwide;January2023toDecember2023;18-64years;bankaccountholdersSource(s):ConsumerInsightsNumberofusersatselecteddigitalchallengerbanksworldwidein2023(inmillions)Numberofcustomersatselecteddigitalbanksworldwide2023Numberofusersinmillions100

150050200250300350400WeBank(China,December2022)Rakuten(Japan,June2023)Nubank(Brazil,October2023)PayTM(India,January2023)CashApp(U.S.,March2023)Inter(Brazil,December2023)Revolut(UK,Oct2023)362136.390895330353026Toss(SouthKorea,2023)Neon(Brazil,September2023)C6Bank(Brazil,August2023)Chime(U.S.,2023)2521.621.2KakaoBank(SouthKorea,March2023)Papara(Turkey,December2023)1817Description:In2023,thedigitalbankwiththelargestuserbasewasWeBank.TheChineseneobankreported362millioncustomersattheendof2022,byfarthehighestnumberofcustomersamongtheobservedneobanks.ItwasfollowedbyRakuten,with136.3millioncustomersinJune2023.Nubankrankedthird,with90millionusersinOctober2023.InEurope,Revolutwastheleadingneobankintermsofcustomerbase,with30millioncustomers.Alongwiththenumberofcustomers,WeBank'snet[...]

ReadmoreNote(s):Worldwide;2023Source(s):Varioussources(websites,annualreports,pressreleases)NumberofusersatselecteddigitalchallengerbanksintheUnitedStatesin2023(inmillions)NumberofcustomersatselecteddigitalbanksintheU.S.20232521.620151110.3101056.96.58630Chime(2023)AllyBankRobinhoodDave(January2024)SoFi(September2023)Acorns(March2023)Stash(January2024)VaroMoney(January2024)(December2023)

(September2023)18Description:In2023,severaldigitalbankshadacustomerbaseexceeding10millionintheUnitedStates.ThecompanywiththehighestnumberofuserswasChime,withauserbaseof21.6million.ItwasfollowedbyAllyBank,with11millioncustomersasofDecember2023.Robinhoodrankedthird,with10.3millioncustomers,butDave'scustomerbasealsoreachedthe10millionmilestone.ReadmoreNote(s):UnitedStates;2023Source(s):Varioussources(websites,pressreleases,annualandquarterlyreports)NumberofcustomersatselecteddigitalbanksinEuropein2023(inmillions)NumberofcustomersatselecteddigitalbanksinEurope2023Numberofcustomersinmillions15

20051025303540Revolut(Oct2023)Wise(Mar2023)3516N26(Nov2023)8Monzo(May2023)StarlingBank(Mar2023)Monese(2023)7.53.6219Description:InFebruary2018,theLondon-basedapp-onlybank,Revolut,announcedthattheyhit1.5millioncustomers,afigurethathasgrownto25millionbyNovember2022andto35millionbyNovember2023.Theincredibleaccelerationofnewcustomersjoiningdigital-onlybankshasbeenmirroredbytheBerlin-basedN26whohaveseentheircustomerbasereachingeightmillioninOctober2022,andfellowLondon-headquarteredMonzo.Revolut'squicklyincreasingcustomerbasecanalsobe[...]

ReadmoreNote(s):Europe;2023Source(s):VarioussourcesNumberofusersofselecteddigitalbanksinLatinAmericain2023(inmillions)NumberofusersatselecteddigitalbanksinLatinAmerica2023Numberofusersinmillions30

40

50010206070809090100Nubank(October2023)PicPay(July2022)62BancoInter(December2023)Neon(September2023)C6Bank(August2023)Nequi(October2023)Yape(December2022)Ualá(June2023)30262517.5115Klar(August2023)2.4Albo(September2023)Heybanco(August2023)20.6520Description:In2023,NubankwasthedigitalbankwiththemostusersinLatinAmerica,amongthesolutionsdepicted.AsofOctober2023,around90millionpeopleadoptedtheBrazilianneobank.ItwasfollowedbyPicPay,with62millionusersasofJuly2022.BancoInterrankedthird,withroughly30millionusersattheendof2023.ReadmoreNote(s):2023Source(s):Varioussources(websites,reports,pressreleases)LeadingonlinebanksinFrancein2023,bynumberofusersLeadingneobanksinFrance2023,bynumberofusersNumberofcustomersinthousands05001,0001,5002,0002,5003,0003,5004,0004,5005,000BoursoramaBanqueHellobank!4,300680FortuneoBanqueMonabanq500320BforBank24021Description:In2023,theleadingneobankbythenumberofcustomersinFrancewasBoursoramaBanque.SociétéGénérale'sonlinebankreportedatotalof4.3millioncustomers.ItwasfollowedbyHellobank!,withroughly680,000customers.Fortuneorankedthird,withauserbaseofapproximately500,000.OnlinebankingpenetrationinFranceisrelativelyhigh:In2022,thepenetrationratewasslightlymorethan68percent,roughlysevenpercentabovetheEUaverage.

ReadmoreNote(s):France;2023Source(s):CultureBanqueForecastedgrowthincustomersofRevolutandN26from2018to2024(inmillions)EstimatedcustomergrowthofRevolutandN262018-2024RevolutN265045403530252015105022Description:BothRevolutandN26sawarapidlygrowingcustomerbasebetween2018and2023.Revolutannounceditsmilestoneof35millioncustomersinOctober2023,whileN26reachedeightmillioncustomersinNovember2023.Ifbothcompaniescontinuetheircurrenttrendsinnewcustomers,theycouldseeacombinedtotalofmorethan55millioncustomersbyDecember2024.Alongwiththenumberofcustomers,thebrandvalueofRevolutalsoincreasedrapidlyinthelastfewyears[...]

ReadmoreNote(s):Europe;February2018toDecember2024Source(s):estimates;Varioussources(pressreleases)NumberofdownloadsworldwideofEuropeanonlinebanksfromJanuary2015toDecember2023,bybankNumberofEuropeanonlinebankingappdownloadsworldwide2015-2023,bybankRevolutN26MonzoMoneseStarlingBunq3,000,0002,500,0002,000,0001,500,0001,000,000500,000023Description:AsofDecember2023,thesixapp-onlydigitalbanksincludedinthisstatistichadmorethan117millionappdownloadscombined.ThemostpopularofthesebanksintermsofdownloadswastheLondon-headquarteredRevolut,whichhasoptedforglobalexpansionoverasinglemarketapproach.AsofJanuary2024,thebankingappwasparticularlypopularintheUnitedKingdom(UK),France,RomaniaandPoland.ReadmoreNote(s):Worldwide;January2015toDecember2023Source(s):AppMagic;CHAPTER

04OpinionsShareofbankandcreditunionexecutiveswhoseechallengerbanksasasignificantthreatinthecomingdecadesintheUnitedStatesfrom2020and2023ExecutiveswhoseechallengerbanksasthreatfortraditionalbankingU.S.2020-202335%33%30%25%20%15%10%5%28%21%14%0%202020212022202325Description:Neo-andchallengerbankshavebecomemoreandmorepopularinrecentyears,attractinganincreasingnumberofcustomersparticularlyamongyoungergenerations.Traditionalbanksandfinancialinstitutionsalsostartedtoacknowledgethepotentialofthesenewplayersinthefinancialsector.Accordingtoayearlysurveycarriedoutbetween2020and2023amongexecutivesatbanksandcreditunionsintheUnitedStates,theshareofrespondentswhosawneo-andchallengerbanks[...]

ReadmoreNote(s):UnitedStates;2020to2023;300respondents;Community-basedfinancialinstitutionexecutivesSource(s):CornerstoneAdvisorsMainreasonsofopeningdigitalonlybankaccountsinGreatBritainin2023Leadingreasonsforopeninganapp-onlybankaccountGreatBritain2023Shareofrespondents0%5%10%15%20%25%IwantedanadditionalaccountanddigitalseemedtobetheeasiestoptionIwanttotransfermoneymoreeasily22.07%21.01%20.54%19.72%18.08%17.84%Usingadigital-onlybankismoreconvenientIwillgetbetterratesIwantfreetransactionsabroadIthinktheappsarebetterwithdigital-onlybankaccountsMyfriendsand/orfamilyrecommendedadigitalbankIliketoreceivereal-timenotificationsonmyspendingIlikethelookofthecardthatcomeswithdigital-onlybankaccountsIwanttobeabletotradestocksandcryptocurrencywithmydigital-onlybank…Iwasn'thappywiththecustomerservicefrommycurrent(traditional)bankTherearenobankbranchesinmyareaanywayMytraditionalbankbranchclosedinmylocalareaIdon'ttrusttraditionalbanks15.73%15.38%12.91%11.5%10.56%9.04%4.93%4.93%26Description:Thepopularityofnon-physical,app-onlybankshasgrowninrecentyearsintheUnitedKingdom,andthetrendhasshownnosignsofslowingdownsoon.AccordingtoasurveyofBritishpeoplethateitheralreadyhadanaccountwithadigital-onlybankorintendedtodosointhenext5years,themainreasonsforhavingsuchanaccountwastheconvenienceofbankingonline,andthatdigitalbanksareeasiertouse.ReadmoreNote(s):UnitedKingdom(GreatBritain);2023Source(s):Neobankingandneobrokerageawareness,popularity,andusageintheUnitedStatesin2023,bybrandNeobankingandneobrokeragepopularityintheU.S.2023,bybrandAwarenessPopularityUsage80%70%60%50%40%30%20%10%0%27Description:Chimewasthemostwell-known,popular,andusedneobankingappintheUnitedStates(U.S.)in2023,basedonStatista'sGlobalConsumerSurvey.73percentoftherespondentsknewthefee-freemobilebankingserviceprovider,andoutoftheserespondents,47percenthadapositiveopiniononit,while35percenthaduseditinthepastyear.ReadmoreNote(s):UnitedStates;October21,2023toNovember8,2023;2,496respondents;18-64years;ResidentialonlinepopulationSource(s):ConsumerInsightsNeobankingandneobrokerageawareness,popularity,andusageintheUnitedKingdom(UK)in2023,bybrandNeobankingandneobrokeragepopularityintheUK2023,bybrandAwarenessPopularityUsage90%80%70%60%50%40%30%20%10%0%28Description:Monzowasthemostwell-known,popular,andusedneobankintheUnitedKingdom(UK)in2023,basedonStatista'sGlobalConsumerSurvey.77percentoftherespondentsknewtheapp-basedchallengerbank,andoutoftheserespondents,40percenthadapositiveopinionofit,while26percenthaduseditinthepastyear.ItwasfollowedbyRevolutandStarling.ReadmoreNote(s):UnitedKingdom;May12,2023toDecember19,2023;2,488respondents;18-64years;residentialonlinepopulationSource(s):ConsumerInsightsNeobankingandneobrokerageawareness,popularity,andusageinGermanyin2023,bybrandNeobankingandneobrokeragepopularityinGermany2023,bybrandAwarenessPopularityUsage45%40%35%30%25%20%15%10%5%0%29Description:N26wasthemostwell-knownneobankappinGermanyin2023,basedonStatista'sGlobalConsumerSurvey.DespiteberingaBerlin-baseddigitalbank,only41percentoftherespondentsknewtheapp-basedchallengerbank.Outoftheserespondents,34percenthadapositiveopinionofN26,and22percentuseditinthelast12months.ReadmoreNote(s):Germany;October20,2023toNovember7,2023;2,486respondents;18-64years;residentialonlinepopulationSource(s):ConsumerInsightsNeobankandneobrokerawareness,popularity,andusageinIndiain2023,bybrandBrandawarenessandpopularityofselectedneobanksandneobrokersinIndia2023AwarenessPopularityUsage100%90%80%70%60%50%40%30%20%10%0%30Description:PaytmPaymentsBankwasthemostwell-knownandusedneobankingappinIndiain2023,basedonStatista'sGlobalConsumerSurvey.94percentoftherespondentsknewthemobilebankingserviceprovider,andoutoftheserespondents,63percenthadapositiveopiniononit,while52percenthaduseditinthepastyear.Growwrankedsecondintermsofawareness,butitwasslightlymorepopularamongtherespondentsthanPaytmPaymentsBank.

ReadmoreNote(s):India;October20,2023toNovember7,2023;1,249respondents;18-64years;ResidentialonlinepopulationSource(s):ConsumerInsightsNeobankandneobrokerawareness,popularity,andusageinBrazilin2023,bybrandBrandawarenessandpopularityofselectedneobanksandneobrokersinBrazil2023AwarenessPopularityUsage120%100%80%60%40%20%0%NubankPagBankInterC6Bank

BancoPan

BancoBMGItiNextNeonBancoOriginalWillBankAgibank

Noneoftheabove31Description:Nubankwasbyfarthemostwell-known,popular,andusedneobankingappinBrazilin2023,basedonStatista'sGlobalConsumerSurvey.Almosteveryrespondentknewthemobilebankingserviceprovider,andoutoftheserespondents,77percenthadapositiveopinionofit,while69percenthaduseditinthepastyear.PagBankandInterfollowed,bothwithawarenessratesofabout90percent,thoughwithsignificantlylowerpopularityandusage.ReadmoreNote(s):Brazil;October20,2023toNovember7,2023;1,247respondents;18-64years;ResidentialonlinepopulationSource(s):ConsumerInsightsNeobankandneobrokerawareness,popularity,andusageinMexicoin2023,bybrandBrandawarenessandpopularityofselectedneobanksandneobrokersinMexico2023AwarenessPopularityUsage80%70%60%50%40%30%20%10%0%32Description:NubankandRappiCardwerethemostwell-known,popular,andusedneobanksinMexicoin2023,basedonStatista'sGlobalConsumerSurvey.Around70percentoftherespondentsknewaboutthesetwodigitalbanks,andoutoftheserespondents,morethan50percenthadapositiveopinionofthem.NubankwasslightlymorepopularandusedthanRappiCard,thoughitspopularitywasmuchlowerthaninBrazil.ReadmoreNote(s):Mexico;October20,2023toNovember9,2023;2,485respondents;18-64years;ResidentialonlinepopulationSource(s):ConsumerInsightsCHAPTER

05LeadingplayersTotalassetsofNubankfrom2015to2022(inmillionU.S.dollars)TotalassetsofNubank2015-202235,00030,00029,916.5625,00019,858.6820,00015,00010,0005,000010,154.256,453.8720192,699.6420181,422.422017660.72016157.05201520202021202234Description:TheincreaseinthetotalassetsofbrazilianfintechcompanyNubank(orNuPagamentosS.A.)didnotslowdownin2022,despiteconcerningeconomicconditionsglobally.In2022,theBrazilianchallengerbank'stotalassetswascloseto30billionU.S.dollars,whichwasa10billionU.S.dollarsworthofincreasecomparedtothepreviousyear.Atthesametime,thenumberofcustomersatNubankincreasednotablyaswell.

ReadmoreNote(s):2015to2022Source(s):NubankGrossprofitofNubankfrom2019to2022(inmillionU.S.dollars)GrossprofitofNubank2019-20221,8001,6631,6001,4001,2001,000800732.9600400326.92020247.9201920002021202235Description:TheBrazilianneobank,Nubank,sawitsgrossprofitincreasesignificantlybetween2019and2022.In2022,Nubankreportedatotalgrossprofitofapproximately1.66billionU.S.dollars,byfarthehighestprofitintheobservedperiod.Onereasonfortherapidlyincreasinggrossprofitistherisingcustomernumber:ThenumberofactivecustomersatNubankreachedalmost70millioninthesecondquarterof2023.ReadmoreNote(s):2019to2022Source(s):NubankValueofcurrentandnon-currentassetsofRevolutfrom2015to2021(inmillionGBP)Currentandnon-currentassetsofRevolut2015-2021CurrentNon-current10,0009,0008,0007,0006,0005,0004,0003,0002,0001,0008,591.185,274.312,687.591,104242.14105.8720192.10.034.1720160.1214.77201740.87201839.21202040.5820210201536Description:CurrentassetsofRevolutincreasedsignificantlyin2021.Attheendoftheyear,thebank'scurrentassetsamountedtoroughly8.5billionBritishpounds,upfrom5.3billionBritishpoundsinthepreviousyear.Thevalueofnon-currentassetsalsoincrease,thoughalotlesssignificantly.ReadmoreNote(s):UnitedKingdom;2015to2021Source(s):RevolutProfit/lossaftertaxofRevolutfrom2015to2021(inmillionGBP)Profit/lossaftertaxofRevolut2015-20215026.340-1.69-6.99-14.81-32.83-50-100-150-200-250-106.77-223.62202020152016201720182019202137Description:TheLondon-basedchallengerbankRevolutreportedanetprofitin2021forthefirsttimesince2015.Revolut'snetprofitfortheyearof2021was26.34millionBritishpounds.In2020,Revolutreportedalossofapproximately206millionBritishpounds,nearlytwotimesasmuchasthepreviousyears.Revolut,whosebankingappwasdownloadedalmosttwomilliontimesinJanuary2023,isoneofthemostpopulardigitalchallengerbanksinEurope.

ReadmoreNote(s):UnitedKingdom;2015to2021Source(s):RevolutTotalassetsofWeBankfrom2016to2022(inmillionyuan)TotalassetsofWeBank2016-2022500,000473,861.63438,747.81450,000400,000350,000300,000250,000200,000150,000100,00050,0000346,429.99291,235.59220,036.6181,703.68201751,995.4920162018201920202021202238Description:ThevalueofthetotalassetsofChinesedigitalchallengerbankWeBankincreasedsteadilysinceitsfoundation.In2016,WeBankreportedtotalassetsworthroughly52billionyuan.Thisfigurereachedcloseto300billionyuanin2019andcontinuedtoincreasefurtherinthefollowingyears.Asof2022,thetotalassetsofWeBankamountedtoroughly473.86billionyuan.ReadmoreNote(s):China;2016to2022Source(s):WeBank(China)NetprofitofWeBankfrom2016to2022(inmillionyuan)NetprofitofWeBank2016-202210,0009,0008,0007,00