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The revenue of Ant Group’s technology financial platform is divided into three parts: micro loan technology, wealth management technology, and insurance technology. Service objects (also partners) include commercial banks, fund management companies, insurance companies, supporting companies, securities companies and other licensed financial institutions.
The name of Ant Group’s revenue is “technical service fee”. Specifically: Weidai Technology is charged as a percentage of the interest earned by the partner; Wealan Technology is charged as a percentage of the partner’s asset management; Insurtech is charged as a percentage of the partner’s premium income.
The revenue of Microloan Technology has grown rapidly, reaching 41.9 billion in 2019, an increase of 86.8% year-on-year, and its share of Ant Group’s revenue reached 34.7%. In H1 2020, Weidai Technology’s revenue was 28.6 billion, a year-on-year increase of 59.5%, and its share in total revenue further increased to 39.4%.
The realization rate of microfinance business can be approximated. In H1 of 2020, the average opening and closing balances of consumer credit will be 2.08 trillion, with revenue of 28.6 billion during the period, and annual realization rate of 2.74%. In the same way, it can be calculated that the realization rate of microfinance technology in 2019 is also 2.74%. #The second one#
The method of calculating the realisation rate of wealth management business is the same. In H1 2020, the average value of the opening and closing balances is 3.75 trillion, the revenue during the period is 11.3 billion, and the annualized realization rate is 0.39%. In the same way, it can be calculated that the realization rate of wealth management business in 2019 is 0.37%. #The third#