Analysis of bank payment cards. Credit card market: in anticipation of a revival in demand. Legal regulation in the field of plastic cards
In the modern world, the use of plastic cards is becoming increasingly widespread. In some Western countries, such as the Netherlands and Sweden, paying in cash becomes a problem; it is difficult to pay in cash in Singapore, France, Canada, Belgium and many other countries around the world.
Russia, despite the rapid development of the banking sector in this matter, is still lagging behind by several years, according to experts. By 2016, the number of bank plastic cards in Russia amounted to 249 million (Fig. 1). , , , , ,
Rice. 1 Number of plastic cards in Russia and the dynamics of their change
Over the past few years, there has been a decrease in the growth of bank plastic cards, which is primarily due to some saturation of the market. Today, there are 1.67 bank cards for every Russian.
One of the most common operations using a plastic bank card in Russia is cash withdrawal; it accounts for 51% of all other operations. Only 16% of Russians prefer to use a bank card as a means of non-cash payment. It should be noted that compared to 2013, the number of people using plastic for non-cash payments has increased more than 3 times. In 2013, there were only 5 percent. , , , For comparison, in the UK, more than 44% of bank card holders use a bank card for non-cash payments.
In conclusion, the following conclusions can be drawn:
· the Russian plastic card market is still in its infancy, despite good indicators in the number of bank cards, 1.66 cards for every Russian;
· more than half of all card transactions are cash withdrawals, while in Western countries the use of plastic cards for non-cash payments is more than 90%.
Bibliography:
- Official website of the Central Bank of Russia. [Electronic resource] http://www.cbr.ru
- Official website of the Ministry of Economic Development of the Russian Federation. [Electronic resource]. www.economy.gov.ru (Date of access: 12/23/2016).
- Bataev A.V. Analysis of trends in the banking sector in Russia and the world. In the collection: FINANCIAL DECISIONS OF THE XXI CENTURY: THEORY AND PRACTICE Collection of scientific papers of the 16th International Scientific and Practical Conference. Peter the Great St. Petersburg Polytechnic University; Responsible for the release of D.G. Rodionov, T.Yu. Kudryavtseva, Yu.Yu. Kuporov. 2015. pp. 327-336.
- A. V. Bataev Informatics. database technologies in information economic systems, textbook / A. V. Bataev; Federal Agency for Education, St. Petersburg State. Polytechnic University St. Petersburg, 2006.
- Kazakova N.V. The plastic card market in Russia: current state and development problems. [Electronic resource] http://www.scienceforum.ru/2014/541/1962
- Ivleva G.I., Tishina V.N. Analysis of the Russian bank card market // Young scientist. - 2013. - No. 12. - P. 309-311.
- Operations with bank plastic cards. [Electronic resource] http://www.kreditspravka.ru (Access date: 12/25/2016).
- Operations performed using payment cards. [Electronic resource] http://base.garant.ru/12139363/2/ (Date of access: December 25, 2016).
- Bunkovsky D.V. Shadow economy: development analysis. Bulletin of the East Siberian Institute of the Ministry of Internal Affairs of Russia. 2015. No. 4 (75). pp. 107-116.
- Bunkovsky D.V. Legal and illegal ways of tax optimization of an entrepreneurial project. VSGUTU Bulletin. 2016. No. 1. P. 61-67.
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The history of Sberbank of Russia begins with the personal decree of Tsar Nicholas of 1841 on the establishment of savings banks, the first of which opened in St. Petersburg in 1842... A century and a half later - in 1987 - a specialized Labor Savings Bank was created on the basis of state labor savings banks and lending to the population - Sberbank of the USSR, which also served legal entities. The Sberbank of the USSR included 15 republican banks, including the Russian Republican Bank.
In July 1990, by a resolution of the Supreme Council of the RSFSR, the Russian Republican Bank of Sberbank of the USSR was declared the property of the RSFSR. In December 1990, it was transformed into a joint-stock commercial bank, legally established at a general meeting of shareholders on March 22, 1991. In 1991, Sberbank became the property of the Central Bank of the Russian Federation and was registered as the "Joint-Stock Commercial Savings Bank of the Russian Federation (Sberbank of Russia)".
Sberbank occupies the largest share in the deposit market and is the main creditor of the Russian economy. As of June 1, 2014, Sberbank of Russia's share in the private deposit market was 50.5%, and its loan portfolio corresponded to more than 30% of all loans issued in the country.
Types of bank cards that Sberbank of Russia works with
In 2008, Sberbank of Russia actively developed operations with bank cards and managed to strengthen its competitive advantages in this segment: developed infrastructure for accepting cards throughout the country, a wide product range aimed at all categories of clients, competitive tariffs.
During the year, targeted work was carried out to support and conclude new “salary” contracts, develop acquiring services in the regions, including by attracting the largest network trading companies, introduce new card servicing technologies, expand channels of interaction with the Bank through electronic channels and devices self-service, improving the quality of customer service.
The number of active cards issued by the Bank as of December 31, 2012 exceeded 30 million, and the balance of private clients’ funds in bank card accounts amounted to more than 300 billion rubles.
Analysis of statistics on the use of credit cards in Sberbank of Russia
The active development of the credit card business has led to the fact that cards are becoming a tool for banks to compete not only for the depositor, but also for the borrower. Recently, along with consumer express lending, many banks have begun to actively offer credit cards to their clients. According to experts, credit cards will soon dominate the consumer lending market. Thus, according to the Central Bank of the Russian Federation, at the end of 2014, the volume of credit cards issued in Russia exceeded 200 thousand, while the issue of credit cards over the past year increased by 4.3 times, and the volume of transactions by 2.3 times. Most people choose credit cards because they are more convenient for personal use.
Not only traditional products based on Classic/Mass or Gold cards with an overdraft account management mode have appeared in circulation, but also a number of new credit products from international payment systems, such as VisaElectronInstant or MasterCardElectronic, which are aimed at the mass consumer.
It is natural to assume that competition in the plastic card market will become fiercer in the coming years (considering that card transactions can currently be classified as the most profitable type of banking activity). The implementation of salary schemes allows banks to gain access to additional cheap resources, similar to the current accounts of organizations, the balances of which can be fairly accurately predicted. The costs of servicing card accounts are quite low due to the high degree of automation. Commission fees for making payments when using plastic cards, as well as acquiring receipts, are also quite significant for banks. With the proliferation of credit cards, banks earn more interest income on loans. And this, in turn, means that banks are no less interested in the diversified development of the card business than card users.
The largest bank in our country is Sberbank of Russia. Its activities serve as an approximate guideline for all other Russian commercial banks. Sberbank of Russia ranks 2nd in the number of credit cards, second only to Alfa-Bank. (ANNEX 1)
The share of Sberbank of Russia in the bank card market remains stable and, based on the results of its work, is more than 30% in terms of such basic indicators as the number of cards serviced and turnover on them.
In 2014, credit card turnover exceeded 7.5 trillion. For comparison, the wage fund reached only 5.2 trillion, retail and catering turnover - 6.3 trillion. In 2014, the average monthly number of active cards reached 6.7 million, against 5.9 million in 2013. More than 740 thousand new active users appeared in the country. At the end of December 2014, the number of active cards exceeded 7.2 million. Of the total number of all cards issued (17.3 million), this amounted, as a year earlier, to almost 42%. (APPENDIX 2)
Multidirectional changes were demonstrated by the average cost of annual servicing of credit cards of various classes. Thus, during the 1st half of 2010, an increase in the average cost of annual servicing of Visa Electron/MC Electronic and Visa Classic/MC Standard cards was recorded by 3.1 and 8%, respectively. However, at the same time, the average cost of annual servicing of Visa Gold/MC Gold credit cards decreased by 4.9% and amounted to 2,765 rubles. The current level of interest rates on credit cards will remain on the market until the end of the year. This is due to several factors: the high cost of bank funding; the remaining rather high risks of losses included in the rate in the form of a risk premium; high level of dissatisfaction with the population's demand for credit products and cards in particular.
The majority of Sberbank credit card users are individuals (99%). The number of legal entities - holders of bank credit cards is incomparably smaller and during 2012-2014 amounted to 3.1% of the total volume of clients on card projects. Individuals are the category of clients whose attraction to card programs is not difficult. At the same time, this category brings less income to the bank.
creditworthiness borrower credit card
Growth in the number of bank cards for individuals: by 4.1% and 12.6%, respectively, in 2013 and 2014. The reason for this is the influx of new customers as a result of expanding the range of products for this customer segment: the appearance on the market of NSPK cards, prepaid Maestro cards, and improved quality of service. The situation is opposite with cards for legal entities: their number in 2013 was 62, and by 2009 it decreased to 49 as a result of the revision of affiliate programs. The number of transactions on Sberbank bank cards carried out by individuals in 2013 decreased by 11.9%, and by 2014 increased by 14.4% and amounted to 820,441 units, which is due to the introduction of new card programs by the bank.
In general, the number of transactions performed using cards of individuals is significantly greater than using cards of legal entities: in 2013 it amounted to 820,441 units, which exceeds the previous year by 14.4%. This fact is a consequence of legal entities holding fewer cards. The amount of transactions carried out using cards by individuals in 2013 decreased by 20.2% or 749,686 thousand rubles, while the amount of transactions on individual cards, on the contrary, increased almost 3 times, as did the number of transactions, which amounted to 964 units ., which is still less than in 2014. The explanation may be the deterioration of the financial situation of citizens, as well as the low degree of incentives for non-cash payments using bank cards. (APPENDIX 3)
Description Content Illustrations Tables Issues
Description
Composition of the study:
1. Analytical report in PDF format.
2. Database of credit card offers (20 banks, data collection time - October-December 2018).
3. Database of installment card offers (4 banks, data collection time - December 2018).
The section devoted to the general characteristics of the plastic card market examines the structure and dynamics of the issue of personal income cards, the number and volume of transactions performed with bank cards in Russia, and presents data on the penetration of payment and credit cards in the country.
The indicators of the credit card market are examined in detail: market volume and concentration, number of cards issued, market shares of the largest players, debt indicators in the market. The report also contains a rating of banks based on the volume of their credit card portfolio, compiled by ARG specialists.
The plastic card market has been studied in terms of regions of issue and use of bank cards for each of the 8 federal districts, as well as by their constituent regions. When analyzing payment systems, the structure of the issue of PS was considered, as well as the performance indicators of the largest payment systems (Visa, MasterCard, UnionPay, JCB, MIR and others).
The analysis of tariffs and terms of service for credit cards and installment cards for individuals was carried out based on data for October-December 2018 (geography - Moscow, target audience - “street” clients).
The analysis took into account the characteristics of issued cards (payment system, validity period, issuance, etc.), cost characteristics (cost of issue and annual maintenance of individual products and cards in a package, lending conditions for credit cards, etc.), also The conditions of co-brand programs are discussed in detail.
Banks for credit card analysis:
1. Vanguard.
2. Alfa-Bank.
3. Vostochny Bank.
4. Bank Otkritie.
5. Russian Standard Bank.
6. Bank St. Petersburg.
7. VTB.
8. MOSCOW CREDIT BANK.
9. MTS Bank.
10. Post Bank.
11. Promsvyazbank.
12. Raiffeisenbank.
13. Rosbank.
14. Rosselkhozbank.
15. Sberbank of Russia.
16. Citibank.
17. Tinkoff Bank.
18. URALSIB.
19. Home Credit Bank.
20. UniCredit Bank.
Banks for analysis on installment cards:
1. Sovcombank.
2. Vostochny Bank.
3. Home Credit Bank.
4. QIWI Bank.
The section devoted to demand in the bank card market contains the results of surveys of Russians reflecting consumer behavior and preferences for using cards (proportions of cardholders of different types, number of cards available, use of non-cash payment methods, etc.).
The section describing industry development trends contains expert opinions on the state and prospects for the development of this market in Russia.
Purpose of the study
Analysis of the Russian market of credit cards and installment cards for individuals.
Research objectives:
- Analyze the state of the credit bank plastic cards market according to the following parameters: volume, dynamics, structure, describe the development of the installment card market;
- Assess the development indicators of the bank plastic cards market by region of Russia;
- Analyze the development of international and Russian payment systems;
- Analyze the tariffs and terms of service for credit cards and installment cards by the largest banks in Russia;
- Study the characteristics of consumer behavior when using bank cards;
- To identify the main trends and prospects for the development of the bank plastic cards market in Russia.
Research methods:
- Collection and analysis of statistical information on the market (data from the Central Bank of the Russian Federation);
- Monitoring of tariffs and conditions for providing credit cards and installment cards, as well as mystery shopping - telephone interviews with bank specialists;
- Monitoring materials from printed and electronic business and specialized publications, analytical market reviews, materials from marketing and consulting companies.
Expand
ContentDescription of the study
Project Summary
Bank card market for individuals
Structure of the Russian market of bank plastic cards
Market structure by type of plastic cards
Credit cards
Installment cards
Regional structure of the bank card market for individuals
Central Federal District
Northwestern Federal District
Southern Federal District
North Caucasus Federal District
Volga Federal District
Ural Federal District
Siberian Federal District
Far Eastern Federal District
Market structure by payment systems and manufacturers
Plastic card service infrastructure
Review of offers from Russian banks issuing plastic cards
Credit cards
Vanguard
Bank Vostochny
Alfa Bank
Bank opening
Russian Standard Bank
Bank "Saint-Petersburg
VTB
CREDIT BANK OF MOSCOW
MTS Bank
Post Bank
Promsvyazbank
Raiffeisenbank
Rosbank
Rosselkhozbank
Sberbank
Citibank
Tinkoff Bank
URALSIB
Home Credit Bank
UniCredit Bank
Analysis of tariffs and terms of service for plastic cards for individuals
Credit cards
Installment cards
Demand and consumer behavior in the market
Market trends and prospects
Applications
Appendix 1. Volume and characteristics of plastic card transactions
Volume and characteristics of plastic card transactions by region of issue
Volume and characteristics of plastic card transactions by regions of card use
Appendix 2. Rating of Russian banks by credit card portfolio volume
Appendix 3. List of tables and diagrams
Expand
IllustrationsList of charts
Diagram 1. Volume and growth rate of plastic cards emission, 01/01/2003—10/01/2018
Diagram 2. Number of active plastic cards used by individuals, 1q2011—3q2018
Diagram 3. Number of active plastic cards used by individuals, 2008—3q2018
Diagram 4. Share of active plastic cards in total issuance (individuals), 1q2011—3q2018
Diagram 5. Share of active plastic cards in total issuance (individuals), 2011—3q2018
Diagram 6. Quarterly growth rates in the volume of issued and active plastic cards (individuals), 1q2011—3q2018
Diagram 7. Dynamics of the number of transactions using plastic cards made by individuals, 1q2012—3q2018
Diagram 8. Dynamics of the total volume of transactions using plastic cards made by individuals, 2008—1-3q2018
Diagram 9. Quarterly dynamics of the volume of transactions using plastic cards made by individuals, 1q2012—3q2018
Diagram 10. Dynamics of the volume of transactions for receiving cash and paying for goods and services using plastic cards (individuals), 2008 -1-3q2018
Diagram 11. Quarterly dynamics of the volume of transactions for receiving cash and paying for goods and services using plastic cards (individuals), 1q2012—3q2018
Chart 12. Ratio of turnover for transactions for cash withdrawals, payments for goods and services and other transactions (individuals), 1q2012—3q2018
Diagram 13. Structure of plastic card emission volumes by type, 01/01/2013—10/01/2018
Diagram 14. Dynamics of the penetration rate of payment cards in Russia, 2007—3q2018
Diagram 15. Dynamics of the penetration rate of credit cards in Russia, 2007—3q2018
Diagram 16. Structure of plastic card issuance by type, 04/01/2013—10/01/2018
Diagram 17. Dynamics of credit card market volume, 1q2013—3q2018
Chart 18. Concentration of the credit card market, 1q2016—3q2018
Diagram 19. Dynamics of portfolios of leading players in the credit card market, 1q2017—3q2018
Diagram 20. Dynamics of the number of issued credit cards, 2016—1h2018
Diagram 21. Quarterly dynamics of the number of issued credit cards, 1q2017—3q2018
Diagram 22. Monthly dynamics of the number of issued credit cards, January 2017—October 2018
Diagram 23. Dynamics of the total limit on issued credit cards, 2016—1h2018
Diagram 24. Quarterly dynamics of the total limit on issued credit cards, 1q2017—3q2018
Diagram 25. Monthly dynamics of the total limit on issued credit cards, January 2017—October 2018
Diagram 26. Dynamics of the average limit on issued credit cards, 2016—1h2018
Diagram 27. Quarterly dynamics of the average limit on issued credit cards, 1q2017—3q2018
Diagram 28. Monthly dynamics of the average limit on issued credit cards, January 2017—October 2018
Diagram 29. Dynamics of the number of new cards and the total limit on issued credit cards in the top 3 regions, 3q2017, 1q2018—3q2018
Diagram 30. Dynamics of the share of approved applications for credit cards, 1q2017—1h2018
Diagram 31. Structure of borrowers for new credit cards by age groups of borrowers, 1-3q2017, 1-3q2018
Chart 32. Rating of regions by the number of credit cards issued (among 30 leading regions in terms of volumes of this type of retail lending), 1-3q2018
Diagram 33. Rating of regions by increase in the number of issued credit cards (among 30 leading regions in terms of volumes of this type of retail lending), 1-3q2018/1-3q2017
Diagram 34. Dynamics of the average limit on credit cards, 3q2014—3q2018
Chart 35. Rating of regions by average credit card limit, 3q2018
Chart 36. Structure of the average limits on new credit cards by age groups of borrowers, January-May 2017, January-May 2018
Diagram 37. Dynamics of the share of overdue debt on credit cards, 3q2017—3q2018
Diagram 38. Dynamics of overdue debt by type of retail loans, 01/01/2016, 07/01/2016
Diagram 39. Ratio of overdue debt on credit cards by regions of the Russian Federation (among 40 regions - leaders in terms of volumes of lending of this type), 3q2018
Diagram 40. Shares of applicants with high and low risk levels by type of loan, 2016—2017
Chart 41. Characteristics of the credit card market in the pensioners segment, 1h2017—1h2018
Diagram 42. Characteristics of the credit card market in the youth segment, January-July 2016 - January-July 2017
Diagram 43. Total volume of payments on “Conscience” cards, 2017--2018
Diagram 44. Structure of plastic card issuance by number of cards by federal districts (individuals), 2016 - 1-3q2018
Diagram 45. Structure of the number of transactions on plastic cards by federal districts (individuals), 1-3q2018
Chart 46. Structure of the volume of transactions on plastic cards by federal districts (individuals), 1-3q2018
Diagram 47. Penetration rate of plastic cards by federal districts (individuals), 10/01/2018
Diagram 48. Rating of regions by the degree of penetration of plastic cards (individuals), 10/01/2018
Diagram 49. Rating of regions by number of plastic cards (individuals), 10/01/2018
Chart 50. Rating of regions by the number of transactions with plastic cards (individuals), 1-3q2018
Chart 51. Rating of regions by volume of transactions with plastic cards (individuals), 1-3q2018
Diagram 52. Structure of the plastic card market by the number of cash transactions and payments for goods and services by federal districts (individuals), 1-3q2018
Chart 53. Market structure by volume of cash transactions and payments for goods and services by federal districts (individuals), 1-3q2018
Diagram 54. Structure of the number of plastic cards by region of the Central Federal District (individuals), 10/01/2018
Chart 55. Structure of the volume of transactions with plastic cards by region of the Central Federal District (individuals), 1-3q2018
Diagram 56. Structure of the number of plastic cards by region of the North-Western Federal District (individuals), 10/01/2018
Diagram 57. Structure of the volume of transactions on plastic cards by regions of the North-Western Federal District (individuals), 1-3q2018
Diagram 58. Structure of the number of plastic cards by region of the Southern Federal District (individuals), 10/01/2018
Diagram 59. Structure of the volume of transactions with plastic cards by regions of the Southern Federal District (individuals), 1-3q2018
Diagram 60. Structure of the number of plastic cards by region of the North Caucasus Federal District (individuals), 10/01/2018
Diagram 61. Structure of the volume of transactions with plastic cards by region of the North Caucasus Federal District (individuals), 1-3q2018
Diagram 62. Structure of the number of plastic cards by region of the Volga Federal District (individuals), 10/01/2018
Diagram 63. Structure of the volume of transactions with plastic cards by regions of the Volga Federal District (individuals), 1-3q2018
Diagram 64. Structure of the number of plastic cards by region of the Ural Federal District (individuals), 10/01/2018
Diagram 65. Structure of the volume of transactions with plastic cards by regions of the Ural Federal District (individuals), 1-3q2018
Diagram 66. Structure of the number of plastic cards by region of the Siberian Federal District (individuals), 10/01/2018
Diagram 67. Structure of the volume of transactions with plastic cards by regions of the Siberian Federal District (individuals), 1-3q2018
Diagram 68. Structure of the number of plastic cards by region of the Far Eastern Federal District (individuals), 10/01/2018
Chart 69. Structure of the volume of transactions with plastic cards by regions of the Far Eastern Federal District (individuals), 1-3q2018
Diagram 70. Structure of the payment card market in the world by number of cards in circulation by payment system, 2017
Diagram 71. Structure of the payment card market in Europe by transaction volume by payment system, 2016—2017
Diagram 72. Top payment card manufacturers in the world by number of card sets shipped, 2017
Diagram 73. Number of ATMs and payment terminals, imprinters and electronic terminals located in Russia, 1q2013—3q2018
Diagram 74. Dynamics of the number of ATMs and payment terminals, 1q2013—3q2018
Diagram 75. Dynamics of the number of electronic terminals installed in trade/service organizations, 1q2013—3q2018
Diagram 76. Dynamics of the number of electronic terminals of different types, 1q2013—3q2018
Diagram 77. Dynamics of the number of imprinters of different types, 1q2013—3q2018
Diagram 78. Rating of banks by the number of types of credit cards offered, October-December 2018
Diagram 79. Structure of credit card supply by payment systems, October-December 2018
Diagram 80. Offer structure by class of credit cards, October-December 2018
Chart 81. Supply structure by credit card currencies, October-December 2018
Diagram 82. Supply structure by credit card validity period, October-December 2018
Diagram 83. Supply structure by cost of issuing credit cards (without package offers), October-December 2018
Diagram 84. Offer structure for the cost of the first year of servicing instant credit cards (without package offers), October-December 2018
Diagram 85. Offer structure for the cost of the first year of servicing classic credit cards (without package offers), October-December 2018
Diagram 86. Supply structure for the cost of the first year of servicing gold credit cards (without package offers), October-December 2018
Diagram 87. Offer structure for the cost of the first year of servicing World category credit cards (without package offers), October-December 2018
Diagram 88. Offer structure for the cost of the first year of servicing platinum credit cards (without package offers), October-December 2018
Diagram 89. Offer structure for the cost of the first year of servicing premium credit cards (without package offers), October-December 2018
Diagram 90. Structure of credit card supply by service packages, October-December 2018
Diagram 91. Structure of minimum interest rates on loans in rubles for credit cards, October-December 2018
Diagram 92. Structure of maximum interest rates on loans in rubles for credit cards, October-December 2018
Diagram 93. Duration of the interest-free grace period on credit cards, October-December 2018
Chart 94. Minimum credit limit on credit cards, October-December 2018
Chart 95. The size of the maximum credit limit on credit cards, October-December 2018
Diagram 96. Distribution of credit card supply by choice of card design, October-December 2018
Diagram 97. Distribution of credit card supply by the period of consideration of an application for issuing a card, October-December 2018
Diagram 98. Distribution of credit card supply by card production period, October-December 2018
Diagram 99. Distribution of credit card supply by card delivery method, October-December 2018
Diagram 100. Structure of credit card supply by availability and maximum cash back amount, October-December 2018
Diagram 101. Structure of credit card supply by availability of co-branded programs, October-December 2018
Diagram 102. Rating of banks by the number of types of co-branded credit cards offered, October-December 2018
Diagram 103. Structure of the supply of co-branded credit cards by co-brand category, October-December 2018
Diagram 104. Rating of banks by the number of types of installment cards offered, December 2018
Diagram 105. Structure of supply of installment cards by payment systems, December 2018
Diagram 106. Offer structure by installment card grade, December 2018
Diagram 107. Supply structure by installment card validity periods, December 2018
Diagram 108. Supply structure by cost of issuing installment cards, December 2018
Diagram 109. Distribution of supply of installment cards by the period of consideration of an application for issuing a card, December 2018
Diagram 110. Distribution of supply of installment cards by card production period, December 2018
Diagram 111. Structure of minimum interest rates on loans in rubles for installment cards, December 2018
Diagram 112. Structure of maximum interest rates on loans in rubles for installment cards, December 2018
Diagram 113. Minimum credit limit on installment cards, December 2018
Diagram 114. The size of the maximum credit limit on installment cards, December 2018
Diagram 115. Minimum duration of installment plan on cards, December 2018
Diagram 116. Maximum duration of installment plan on cards, December 2018
Diagram 117. Structure of payment options for installment cards, December 2018
Diagram 118. Structure of supply of installment cards by cash back availability, December 2018
Diagram 119. Structure of answers to the question: “Do you consider yourself a financially literate person?”, 2018
Diagram 120. Distribution of answers to the question: “What services of financial organizations do you use?”, 2018
Diagram 121. Dynamics of the share of bank card holders, 2015, 2017—2018
Diagram 122. Distribution of answers to the question “How do you usually pay for goods and services on a daily basis?”, 2013, 2015, 2017---2018
Diagram 123. Distribution of rural residents’ answers to the question: “Which of the following financial products (services) do you personally currently use?”, November 2017
Diagram 124. Structure of reasons for non-use of bank cards by rural residents, November 2017
Diagram 125. Structure of Russians according to preferred payment methods, December 2017
Diagram 126. Structure of the share of bank card holders in Russia, December 2017
Diagram 127. Distribution structure of answers to the question: “What do you see as the advantages of non-cash payment?”, December 2017
Diagram 128. Top 5 categories of payments by bank cards in POS terminals, December 2017
Chart 129. Top 5 categories of online payments by bank cards, December 2017
Diagram 130. Dynamics of awareness of Russians about contactless payment methods, 2015, 2017
Diagram 131. Level of awareness of contactless payment methods, December 2017
Diagram 132. Structure of Russians by knowledge and use of contactless cards, May 2018
Diagram 133. Structure of Russians by knowledge and use of the contactless payment service using a mobile phone, May 2018
Diagram 134. Structure of Russians by knowledge and use of the contactless payment service using a mobile phone, depending on age, May 2018
Diagram 135. Structure of Russians by knowledge and use of the contactless payment service using wristwatches or bracelets, May 2018
Diagram 136. Russians’ opinions on the safety of contactless payment methods, May 2018
Diagram 137. Russians’ opinions on the convenience of contactless payment methods, May 2018
Diagram 138. Dynamics of using a bank card when traveling abroad, January 2017
Diagram 139. Structure of the main reasons for not using bank cards abroad, January 2017
Diagram 140. Dynamics of the share of credit card holders, 2013--1015, 2017
Diagram 141. Structure of credit card holders by their use, 2013, 2017
Diagram 142. Structure of reasons for the appearance of credit cards by their holders, 2013, 2017
Diagram 143. Structure of reasons for issuing credit cards, 2013, 2017
Diagram 144. Distribution of Halva card holders by gender and marital status, December 2018
Diagram 145. Share of Halva card holders by age, December 2018
Diagram 146. Average income of Halva card holders, December 2018
Diagram 147. Share of “Installment for everything” card holders by gender, 2018
Diagram 148. Share of “Installment for everything” card holders by age, 2018
Diagram 149. Distribution of answers to the question: “Are existing means of protecting bank cards sufficient, or are new measures needed,” 2017
Diagram 150. Dynamics of the number and volume of Internet thefts from plastic cards, 2015-2017 Table 8. Indicators of the market for plastic cards issued in the Southern Federal District (individuals), 1-3q2018
Table 9. Market indicators for plastic cards used in the Southern Federal District, 1-3q2018
Table 10. Indicators of the plastic card market in the North Caucasus Federal District (individuals), 1-3q2018
Table 11. Market indicators for plastic cards used in the North Caucasus Federal District, 1-3q2018
Table 12. Indicators of the plastic card market in the Volga Federal District (individuals), 1-3q2018
Table 13. Market indicators for plastic cards used in the Volga Federal District, 1-3q2018
Table 14. Indicators of the plastic card market in the Ural Federal District (individuals), 1-3q2018
Table 15. Market indicators for plastic cards used in the Ural Federal District, 1-3q2018
Table 16. Indicators of the plastic card market in the Siberian Federal District (individuals), 1-3q2018
Table 17. Market indicators for plastic cards used in the Siberian Federal District, 1-3q2018
Table 18. Indicators of the plastic card market in the Far Eastern Federal District (individuals), 1-3q2018
Table 19. Market indicators for plastic cards used in the Far Eastern Federal District, 1-3q2018
Table 20. Avangard credit cards, November 2018
Table 21. Vostochny Bank credit cards, November-December 2018
Table 22. Alfa-Bank credit cards, November 2018
Table 23. Credit cards of Otkritie Bank, November 2018
Table 24. Credit cards of Russian Standard Bank, November 2018
Table 25. Credit cards of Bank St. Petersburg, November 2018
Table 26. VTB credit cards, October 2018
Table 27. Credit cards of CREDIT BANK OF MOSCOW, November 2018
Table 28. Credit cards of MTS Bank, November 2018
Table 29. Post Bank credit cards, November 2018
Table 30. Credit cards of Promsvyazbank, November 2018
Table 31. Raiffeisenbank credit cards, November 2018
Table 32. Rosbank credit cards, November 2018
Table 33. Credit cards of Rosselkhozbank, November 2018
Table 34. Sberbank credit cards, October-November 2018
Table 35. Citibank credit cards, November 2018
Table 36. Credit cards of Tinkoff Bank, November 2018
Table 37. Credit cards of URALSIB, November 2018
Table 38. Credit cards of Home Credit Bank, November 2018
Table 39. Credit cards of UniCredit Bank, November 2018
Table 40. Offer of co-branded credit cards with bonus points or miles, October-December 2018
Table 41. Offer of co-branded credit cards with discounts, October-December 2018
Table 42. TOP 10 regions by distribution of “Instalment for everything” cards, 2018
Table 43. Volume and characteristics of transactions on plastic cards (individuals), 1q2011—3q2018
Table 44. Volume and characteristics of transactions on plastic cards of individuals by regions of card issue, 1-3q2018
Table 45. Volume and characteristics of plastic card transactions by regions of card use, 1-3q2018
Table 46. Top 100 Russian banks by credit card portfolio volume, 10/01/2018
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