Arundhati Ramanathan

Staff writer - Fintech • India Edition

Arundhati is Bengaluru-based. She is interested in how people use money in the digital age and how new economies will take shape based on that interaction. She has spent over 10 years reporting and writing on various subjects. Previous stints were at Mint, Outlook Business and Reuters.

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SBI’s one app to rule them all

Okay let me try again. So the revenue is from loans originated via YONO. It also considers gains from productivity (the time taken to open a bank account via YONO vs physical branch) as revenue. As for the expenses, it has its own op ex, but since it is sharing the bank's infrastructure a lot of its costs would be absorbed by SBI's balance sheet for now. Once it is hived off, we will have to look at how transfer pricing kicks in. Hope this is clear.

Arundhati Ramanathan

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