The accessibility of payment services is also character- ised by the development of the network of devices provid- ing payment services outside credit institutions’ divisions. These include ATMs that offer consumers the ability to pay using payment cards; imprinters and electronic terminals installed in points of sale (POS terminals), and remote ter- minal units (RTU).
Favourable trends in the development of these de- vices continued in 2009. From the beginning of the year, their number grew by 9.4% to 516,700 devices at the end of 2009. The rates of growth in these devices were higher in some federal districts than in Russia as a whole. In particular, higher growth was registered in the Urals Federal District (21%), the Southern Federal Dis- trict (17%), the Siberian Federal District (14.3%) and the Volga Federal District (9.6%). In the other federal districts, this growth varied from 1.7% in the Far East- ern Federal District to 7.6% in the Northwestern Federal District.
At the end of 2009, the number of ATMs increased by 16.6% to 92,500. Of these, 25.1% were with a cash-load- ing function and 91.3% were with a cash withdrawal func- tion. Over 94% of the total number of ATMs with a cash withdrawal function allow cardholders both to withdraw cash and to make payments, usually in small amounts. These include payments for utilities, mobile phone bills and Internet service bills, money transfers from one card to another, etc. The number of ATMs that can be used for making these payments increased by 21.6% year on year to 79,500 by the end of 2009. Rapid growth in the number of these devices was observed in all of the federal districts, with the highest growth rates registered in the Southern Federal District (by 36.4%) and the Far Eastern Federal District (by 31.2%), and also in the Central Federal District, excluding Moscow and the Moscow Region (by 25.6%). The slowest growth rate was registered in Moscow and the Moscow Region (by 14.8%).
Along with the development of the network of ATMs with a cash withdrawal function, ATMs with a cash load- ing function (including their use in making payments with and without payment cards), are also becoming increas- ingly popular. Their number increased by 26.6% over the year to 23,200 terminals at the end of 2009. Rapid growth in their numbers was registered in the federal dis- tricts where the provision rate of these devices for mak- ing payments was considerably lower than the national average. In particular, the number of these devices in the Far Eastern and Southern Federal Districts increased 1.6 times and 1.4 times, respectively. The slowest growth rate was registered in Moscow and the Moscow Region (by 15.0%).
Rapid growth in the number of devices for making payments was registered in federal districts where the provision rate of these machines per 1 million in- habitants was considerably lower than the national average.
The trend towards growth in the number of POS terminals and RTUs continued in 2009. By the end of the year, the total number of electronic terminals had reached 371,300 devices, indicating a growth rate of 7.0% (in 2008 - 45%). The slowing of growth was registered in all the federal districts. The growth rate was higher than the national average in the Urals Federal District (22.8%), the Siberian Federal District (14.2%) and the Southern Federal District (12.7%). In the Volga, Northwest- ern and Central Federal Districts, the number of electronic terminals increased by 7.1%, 5.3% and 1.8%, respectively. At the same time, the number of these devices decreased in the Far Eastern Federal District (by 2.6%).
One of the ways in which the accessibility of banking ser- vices for the public has increased has been the development of the RTU network that allows cardholders to pay for their mobile phones, television, electronic communications, hous- ing and utilities, etc. The number of these devices increased by 22.0% in 2009 to 17,000 terminals at the end of 2009.
Despite the high annual rates of growth in the number of devices that can be used for effecting payments, their pro- vision rate remained low. In 2009, there were 3,641 bank card payment devices per 1 million inhabitants in Russia (in 2008 - 3,326 devices). In four out of seven federal districts, this indicator was below the national average: 1,561 devic- es per 1 million inhabitants in the Southern Federal District, 2,525 in the Volga Federal District, 2,693 in the Far Eastern Federal District and 2,860 in the Siberian Federal District. This figure in the Northwestern and Urals Federal Districts was 4,755 and 4,273 devices per 1 million inhabitants, re- spectively. As in the previous years, the largest number of these devices per 1 million inhabitants was registered in the Central Federal District (5,794), which can be attribut- able to the high provision rate of these devices in Moscow and the Moscow Region. In all the federal districts, the number of payment devices was observed to grow. The highest growth was registered in the Urals Federal District (by 20.9%), the Southern Federal District (by 16.6%) and the Siberian Federal District (by 14.3%).
The number of ATMs per 1 million inhabitants in Russia (652) exceeded that of India 12.7 times, Sweden 1.8 times and Singapore 1.5 times in 2009. At the same time, Russia lagged far behind South Korea (3.2 times less ATMs) and Canada (2.8 times less). In terms of the number of POS terminals per 1 million inhabitants (2,497), Russia lagged behind all CPSS member countries, except India (419).
In 2009, the concentration ratio of credit institutions’ pay- ment services in terms of the number of devices for mak- ing non-cash payments33 remained high, both in Russia as a
whole (52.7%) and in all of its federal districts. This indicator was observed to grow in almost all of the federal districts, with the highest growth rates registered in the Central Federal District (from 48.1% to 53.3%) and the Urals Federal District (from 61.6% to 68.3%). The concentration ratio declined only in the Southern Federal District (from 64.0% to 61.2%) and the Far Eastern Federal District (from 66.5% to 65.9%).
33 The share of devices owned by the five largest credit institutions
in a federal district in the total number of devices used for making payments and installed in the territory of such federal district (ATMs designed for making payments, RTUs, POS terminals and imprinters in retail points of sale).
$IBSU/VNCFSPGEFWJDFTUPFGGFDUQBZNFOUT QFSNMOJOIBCJUBOUTCZGFEFSBMEJTUSJDU UIPVTBOET 3VTTJB $'% FYDMVEJOH .PTDPX BOEUIF .PTDPX 3FHJPO .PTDPX BOEUIF .PTDPX 3FHJPO /8'% 4'% 7'% 6'% 4*#'% '&'%
1.4.3. Development of non-bank payment