RESEARCH METHODOLOGY
Subject of research:
BANK CARD MARKET
Purpose of research:
ASSESSMENT OF SITUATION ON THE MARKET AND FORECAST OF ITS DEVELOPMENT FOR 2015-2016
Regions of research:
WORLD, RUSSIA, REGIONS OF RF
Main blocks of research:
WORLD MARKET OF BANK CARDS
EMISSION OF BANK CARDS IN RUSSIA
OPERATIONS WITH BANK CARDS
STRUCTURE OF BANK OPERATIONS WITH BANK CARDS
CREDIT CARDS MARKET
LARGEST COMPANIES ON THE MARKET
TRENDS ON THE BANK CARD MARKET
TYPES OF CARDS AND CONDITIONS OF THEIR SERVICE
SERVICE CONSUMERS
STATE REGULATIONS
FACTORS INFLUENCING THE MARKET
FORECAST OF BANK CARD MARKET DEVELOPMENT FOR 2015-2016
Information sources used:
Federal State Statistics Service
Ministry of economic development of RF
Federal Customs Service
Federal Tax Service
Field expert evaluations
Retail sales reports
Materials of the field's main players
Field print and electronic publications
The research contains 39 schedules, 38 diagrams, 20 tables.
EXTRACTS FROM RESEARCH
CHAPTER 4. ISSUANCE OF BANK CARDS IN RUSSIA
Russian market of plastic cards has become more available for customers during the recent years and the related bank services and offers are more versatile. If most of customers used that card before only for getting salary, now it is being perceived as convenient and reliable means of payment.
According to the data as of January 1, 2014, more than 217 mln. plastic bank cards have been issued for the previous year.
Active growth in card issuance surplus was observed in the period from 2009-2012, the growth by more than 13% towards the previous years has been fixed compared to 2012.
CHAPTER 5. OPERATIONS WITH BANK CARDS
In recent years number and volume of operations with bank cards increased significantly. Number of operations with bank cards during 2008-2013 increased more than *** times. Compared to 2008 (*** mln operations), in 2011 number of operations increased almost twice (up to *** mln operations). Further growth was natural, and in 2013 the level of *** mln operations was reached.
Among the largest regions by number of operations made with bank cards in 2013 the least increase was marked in St. Petersburg – 18,4% compared to 2012. The greatest growth was marked in Rostov Region – ***%. In remaining regions the increase of operations number compared to the previous year was equal to **%.
CHAPTER 6. STRUCTURE OF OPERATIONS WITH BANK CARDS
Structure of operations made on the territory of Russia, with use of payment cards changes significantly. Payment of goods and services by cash cards becomes more popular from year to year, payment on them happens even more often, and volume of payments by this payment method grows, and the average amount of operations decreases. Cash withdrawal, in turn, stops being an indispensable condition before any purchase.
In 2013 about 95% of the Russian market was controlled by the international payment systems. Other payment systems had about 5% of operations volume.
CHAPTER 8. LARGEST COMPANIES ON THE MARKET
According to the Central Bank as of January 1, 2014, in Russia 641 credit organizations were engaged in issue and/or acquiring of plastic cards. Thus this parameter, unlike quantity of cards in circulation, did not grow, and, on the contrary, decreased a little from year to year. It is connected to toughening of requirements to banks from the state, in particular, to the increase in the minimum bank capital since January 1, 2012 to 180 mln rubles. Earlier the increase was marked in January, 2010 to 90 mln rubles, and the following mark -January, 2015 – to ** mln rubles. From 2007 to 2013 number of credit organizations in Russia decreased by 19%. Number of banks, working with cash cards, during this period reduced by **%. On the diagram the trend to decrease of total number of issuers and acquirers of payment cards in the Russian Federation is visually presented.
RESEARCH METHODOLOGY
LIST OF SCHEDULES, DIAGRAMS, TABLES AND SCHEMES
1. GENERAL ECONOMIC SITUATION IN RUSSIA
1.1. Population of Russia
Number of population
Largest cities
Social standards of living dynamics
Economic activity
1.2. Economic situation
Dynamics of economy development
Stability of the state budget
1.3. Special economic zones
1.4. Business activity development in Russia
1.5. Investment potential
Russia in general
Regions
1.6. Position of Russia in the world
Share of the Russian Federation in the world population
2. SUBJECT OF RESEARCH
2.1. History of bank cards
2.2. Types and classifications of cards
3. WORLD MARKET OF BANK CARDS
3.1. Number of cards in circulation
3.2. Issuance structure by types
3.3. Payments structure by card types
3.4. Geography
3.5. Per capita number of cards
3.6. State regulations
3.7. Trends
4. ISSUANCE OF BANK CARDS IN RUSSIA
4.1. Dynamics by years
4.2. Types of bank cards
Structure of card issuance by types
Structure by payment systems
5. OPERATIONS WITH BANK CARDS
5.1. Dynamics of operation volume by years
5.2. Dynamics of operations by regions
5.3. Regional structure of operations
6. STRUCTURE OF BANK OPERATIONS WITH BANK CARDS
6.1. By types of operations
6.2. By types of payment systems
6.3. Foreign transactions
Structure of spending abroad by types
Regional spending distribution by cards
Gender spending distribution by cards
7. CREDIT CARDS MARKET
7.1. Volume of credit cards market
7.2. Debts on credit cards in Russia
8. LARGEST COMPANIES ON THE MARKET
8.1. Largest banks by total volume of cards in the circulation
8.2. Largest plastic card issuing banks
8.3. Largest banks by amount of ATMs
9. TRENDS ON THE BANK CARD MARKET
National payment system and Bank of Russia activity
Trends on Russian credit cards market
Expansion of ATM chain
10. TYPES OF CARDS AND CONDITIONS OF THEIR SERVICE
10.1. Development of bank cards of premium and exclusive segment
Premium cards
Exclusive cards
Services with premium cards
10.2. Co-branding cards
10.3. Conditions on bank cards
11. CONSUMERS SERVICE
11.1. Use of bank cards by individual persons
Cards availability
Use of cards
Satisfaction with cards
11.2. Use of bank cards by legal persons
12. STATE REGULATIONS
12.1. Rules and regulations
12.2. Security deposit
13. FACTORS INFLUENCING THE MARKET
14. FORECAST OF BANK CARD MARKET DEVELOPMENT FOR 2015-2016
ABOUT INTESCO RESEARCH GROUP
List of schedules:
Schedule 1. Number of population of Russia in 1990, 2000, 2005 and 2008-2013 and forecast for 2014-2016, mln people
Schedule 2. Dynamics of number of the population of Russia in three variants of the forecast in 2014-2031, ths people
Schedule 3. Dynamics of actual household disposable income of population and annual rate of growth in 2000-2013* and forecast for 2014-2016, %
Schedule 4. Dynamics of demographic load coefficient in three forecast variants in 2014-2031
Schedule 5. Dynamics of the number of employed and unemployed people in Russia in 2000-2012 and forecast for 2014-2015, mln people
Schedule 6. Dynamics of the share of unemployed in economically active population by federal districts of RF in 2007-2013, %
Schedule 7. Dynamics of GDP of Russia in prices of 2008 in 2004-2013 and forecast for 2014-2016, billion rubles
Schedule 8. Dynamics of GDP of Russia in actual prices in 2004-2013, and forecast for 2014-2016, billion rubles
Schedule 9. Dynamics of investments into the main capital of RF in 2004-2013 and forecast for 2014-2016, billion rubles
Schedule 10 Dynamics of surplus/deficit of consolidated budget of RF in 2006-2013 and forecast for 2014-2016, % to GDP
Schedule 11. Dynamics of total external debt of RF and its share in GDP in 2010-2014 (as of January 1) and forecast for 2015-2017, mln dollars
Schedule 12. Dynamics of CPI in 2006-2013 ad forecast for 2014-2016, % to the corresponding period of the previous year
Schedule 13. Dynamics of investments into special economic zones accrued total in 2006-2013 (as of 01.10.2013), mln rubles
Schedule 14. Number of residents of special economic zones in Russia in 2006- 2013 (June 2013), people
Schedule 15. Dynamics of accumulated foreign investments volume in 2005-2013, billion dollars
Schedule 16. Dynamics of population of Russia and world in 2000-2013 and forecast up to 2100, mln people
Schedule 17. Share of RF in the world GDP in 2001-2013 and forecast for 2014-2016, %
Schedule 18. Forecast of the change of bank cards number in the world from 2012 to 2018, billion units
Schedule 19. Number of bank cards by the largest companies in the world in 2012 and forecast for 2017, mln units
Schedule 20. Volumes by card units by regions of the world in 2012 and forecast for 2018, billion dollars
Schedule 21. Per capita number of cards by countries of Europe in 2012, units
Schedule 22. Emission of bank cards and rate of growth in 2007-2013, ths units
Schedule 23. Dynamics of number and volume of operations, on the territory of RF and out of its borders using bank cards in 2008-2013
Schedule 24. Dynamics of number and volume of operations with goods and services payment, committed by legal persons on the territory of RF and out of its borders using bank cards in 2008-2013, mln units, billion rubles
Schedule 25. Dynamics of operations volume in cost terms by the largest regions in 2012-2013, billion rubles
Schedule 26. Dynamics of operations number by the largest regions in 2012-2013, mln units
Schedule 27. Dynamics of credit cards market in Russia from IV quarter of 2012 to IV quarter of 2013, billion rubles
Schedule 28. Change of top-1, top-5 and top-10 shares concentration on credit cards market of Russia in 2012-2013, % of total market volume
Schedule 29. Dynamics of issuers and acquirers number of payment cards in Russia in 2007-2013, units
Schedule 30. Dynamics of ATMs number in Russia in 2008-2013, units
Schedule 31. The most common reasons of bank cards use rejection in Russia in 2013, %
Schedule 32. The most common operations with bank cards in 2013, %
Schedule 33. Places of cards use in 2013, % of users
Schedule 34. Reasons interfering payments by cards in 2013, % of holders using cards for cash withdrawal
Schedule 35. GDP dynamics of Russia in prices of 2008, crude oil prices and exchange-value of ruble in 2004-2013
Schedule 36. Dynamics of actual disposable incomes in Russia in 2000-2013*, %
Schedule 37. Internal structural subdivisions of Russian banks as for 1.01.13 and 1.01.14, units
Schedule 38. Dynamics of retailing turnover in Russia in 2004-2013, trln rubles
Schedule 39. Dynamics of bank cards market in 2008-2013 and forecast for 2014-2016
List of diagrams:
Diagram 1. Structure of population of Russia by working age in 2014-2031, % (average forecast variant)
Diagram 2. Change of structure of federal budget proceeds in 2009-2013, %
Diagram 3. Change of structure of external debt of RF in 2009-2014 (as of January 1), %
Diagram 4. Foreign investments accumulated by investing countries in 2013, %
Diagram 5. Structure of payment cards volume by types in 2012 and forecast for 2017, %
Diagram 6. Structure of payments volume by card types in the world in 2013, %
Diagram 7. Change of bank cards structure, emitted by credit organizations, by types in 2008-2013, %
Diagram 8. Structure of bank cards, emitted by credit organizations, by types as of 01.01.14, %
Diagram 9. Structure of emitted cards by payment systems in 2013*, %
Diagram 10. Ratio of operations on cash withdrawal to operations with goods and services payment, on the territory of RF using bank cards in 2008-2013, %
Diagram 11. Change of regional structure of operations with cards volume in money terms in 2010-2013, %
Diagram 12. Change of regional structure of operations with cards number in 2010-2013, %
Diagram 13. Structure of operations with bank cards volume in money terms by types in largest RF regions in 2013, %
Diagram 14. Structure of operations with bank cards number by types in largest RF regions in 2013, %
Diagram 15. Structure of bank cards market by aggregate turnover of operations of payment systems in 2013, %
Diagram 16. Structure of spending abroad of Russians by bank cards by types in 2012-2013, %
Diagram 17. Structure of spending abroad of Russians by place of residence in 2013, %
Diagram 18. Relative share of banks, included into top-10 banks by plastic cards emission in I quarter of 2013, %
Diagram 19. Structure of respondents by bank cards acquiring and by number of existing bank cards in Russia in 2013, %
Diagram 20. Share of Russians owning the bank card in 2010-2013, %
Diagram 21. Dependence of card availability and wish to acquire it on the respondent age in Russia in 2013, %
Diagram 22. Share of bank cards holders among solvent population (25-55 years) in 2013, %
Diagram 23. Bank cards posession and intention of its acquisition depending on education in Russia in 2013, %
Diagram 24. Ratio of bank cards holders according to consumer status of the population in 2013, %
Diagram 25. Ratio of bank cards holders by type of activity in 2013, %
Diagram 26. Ratio of bank cards availability among RF citizens by federal districts in Russia in 2013, %
Diagram 27. Ratio of bank cards holders compared to the place of residence in 2013, %
Diagram 28. Structure of bank cards use by Russian citizens abroad in 2013, %
Diagram 29. Preferred methods of payments for goods and services in 2010-2013, %
Diagram 30. Share of card-holders, using them for cash withdrawal only, in 2010 and in 2013, %
Diagram 31. Ratio of bank cards use by Russians by federal districts in Russia in 2013, %
Diagram 32. Activity of cards use in 2013, % of holders
Diagram 33. Satisfaction of the respondents with characteristics of bank cards use in Russia in 2013, %
Diagram 34. Awareness of bank cards holders about cost of card service and fees size in Russia in 2012, %
Diagram 35. Awareness of respondents about fraud cases while bank cards use in Russia in 2013, %
Diagram 36. Share of cards in internet-purchases payments in 2013, %
Diagram 37. Dynamics of foreign citizens entrance to Russia in 2009-2013, people
Diagram 38. Dynamics of Russian citizens trips abroad in 2009-2013, mln people
List of tables:
Table 1. Population number of the largest cities of Russia according to All-Russian census of 2002 and 2010 and as for January 1, 2013, ths people
Table 2. Number of small enterprises (without micro-enterprises) by branches in Russia in 2009-September 2013
Table 3. Parameters during 2012-2013 of three leading countries gained the success in branches being the subject of the rating «Doing Business 2014»
Table 4. Distribution of Russian regions by rating of investment climate in 2012-2013
Table 5. Dynamics of accumulated foreign investments volume in TOP-15 regions in 2005-2013, mln dollars
Table 6. Bank cards emission by types in 2007- 2013, ths units
Table 7. Number and volume of operations, on the territory of RF and out of its borders using bank cards, emitted by credit organizations, by types of clients and use purposes in 2008-2013
Table 8. Dynamics of operations volume, committed with use of payment cards, in cost terms by RF regions in 2010-2013, billion rubles
Table 9. Volume of operations, committed with use of payment cards, in cost terms by federal districts and entities of the federation, volume share of operations with goods and services payment in 2013, billion rubles
Table 10. Dynamics of operations number, committed with use of payment cards by RF regions in 2010-2013, mln units
Table 11. Number of operations, committed with use of payment cards, by federal districts and entities of the federation, volume share of operations with goods and services payment in 2013, mln units
Table 12. Volumes of operations with bank cards in money and quantity terms in 2008- 2013
Table 13. Volume, market share and dynamics of credit cards portfolio volumes of the top-10 Banks of Russia in 2012-2013
Table 14. Rating of top-30 banks of Russia by volume of debt portfolio on bank cards, and rate of portfoli growth from I half of 2012 until I half of 2013
Table 15. Largest banks by number of plastic cards in circulation as of July 1, 2012-2013, units
Table 16. Rating of banks by plastic cards emission, share of new cards in total emission in 2013, units
Table 17. Rating of banks by number of own ATMs as of July 1, 2013, units
Table 18. Characteristics of premium cards of the main payment systems in the world as of May 2014
Table 19. Comparison of credit cards by conditions of issuane and use on the example Of Standard and Gold Visa and MasterCard cards in top-20 banks by number of circulating cards in rubles as for 15.05.14
Table 20. Partners of banks, included into top-20 by number of circulating cards, as for 15.05.2014
