We're sunsetting PodQuest on 2025-07-28. Thank you for your support!
Export Podcast Subscriptions
cover of episode N26 Founder Valentin Stalf on IPO Plans, EU Regulation

N26 Founder Valentin Stalf on IPO Plans, EU Regulation

2025/4/28
logo of podcast Bloomberg Talks

Bloomberg Talks
AI Deep Dive Transcript
People
V
Valentin Stalf
Topics
Valentin Stalf: 我认为过去两年N26发展良好，尽管科技估值有所调整，但我们专注于核心业务指标，例如提高营收，并致力于可持续发展。我们已经从去年的增长限制中恢复过来，营收增长强劲，预计今年将增长40%。虽然增长限制对我们造成了一定影响，但我们也从中吸取了经验教训，并与监管机构建立了良好的沟通。 我们专注于业务基本面，而非仅仅追求客户数量。我们注重客户参与度和交易量，在存款和交易量方面处于领先地位。欧洲挑战者银行市场潜力巨大，我们有能力追赶竞争对手。 去年第三季度我们开始实现盈利，预计今年全年也将实现盈利。我们计划在未来两到三年内进行IPO，目前公司盈利，不需要融资，但IPO前可能会进行一些投资者调整。 我们目前主要为中小企业提供服务，暂不涉及为大型工业和军事公司提供融资。 我认为欧洲需要简化政府流程，改善基础设施，以提高生活质量和生产力。全球市场波动和贸易保护主义给长期科技投资带来不确定性，需要更多稳定性。

Deep Dive

Shownotes Transcript

German challenger bank N26 was an investor darling, backed by Peter Thiel, Tencent, and Li Ka-Shing. The company, founded in 2014, was one of the original banking disruptors but ran into a major hurdle when German regulator BaFin put a cap on how many new customers it could take due to concerns around money laundering controls. The cap expired last year - N26 has seen a jump in new customers and is forecasting a 40% revenue rise for this year. Bloomberg's Caroline Hepker and Tom Mackenzie spoke to Founder and CEO Valentin Stalf about the bank's bounce on revenue and customer growth, plans to come to public markets, and thoughts on regulation.

See omnystudio.com/listener) for privacy information.