FINANCIAL CARDS AND PAYMENTS IN ROMANIA Euromonitor International October 2017 LIST OF CONTENTS AND TABLES Executive Summary Financial Cards and Payments Records Strong Growth in 2017 Legislative Measures Aim To Increase Usage of Financial Cards Technology Stimulates Card Payment Transaction Growth Banks Make Significant Contribution To Increased Card Usage Financial Cards and Payments Offer Strong Growth Potential Market Indicators Table 1 Number of POS Terminals: Units 2012-2017 Table 2 Number of ATMs: Units 2012-2017 Table 3 Value Lost to Fraud 2012-2017 Table 4 Card Expenditure by Location 2017 Table 5 Financial Cards in Circulation by Type: % Number of Cards 2012-2017 Table 6 Domestic versus Foreign Spend 2017 Market Data Table 7 Financial Cards by Category: Number of Cards in Circulation 2012-2017 Table 8 Financial Cards by Category: Number of Accounts 2012-2017 Table 9 Financial Cards Transactions by Category: Value 2012-2017 Table 10 Financial Cards by Category: Number of Transactions 2012-2017 Table 11 Consumer Payments by Category: Value 2012-2017 Table 12 Consumer Payments by Category: Number of Transactions 2012-2017 Table 13 M-Commerce by Category: Value 2013-2017 Table 14 M-Commerce by Category: % Value Growth 2013-2017 Table 15 Financial Cards: Number of Cards by Issuer 2012-2016 Table 16 Financial Cards: Number of Cards by Operator 2012-2016 Table 17 Financial Cards: Card Payment Transactions Value by Operator 2012-2016 Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2012-2016 Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2017-2022 Table 20 Forecast Financial Cards by Category: Number of Accounts 2017-2022 Table 21 Forecast Financial Cards Transactions by Category: Value 2017-2022 Table 22 Forecast Financial Cards by Category: Number of Transactions 2017-2022 Table 23 Forecast Consumer Payments by Category: Value 2017-2022 Table 24 Forecast Consumer Payments by Category: Number of Transactions 2017-2022 Table 25 Forecast M-Commerce by Category: Value 2017-2022 Table 26 Forecast M-Commerce by Category: % Value Growth 2017-2022 Sources Summary 1 Research Sources Headlines Prospects Charge Cards Remain Minor Category Strong Competition From Credit Cards Demand To Remain Limited Over Forecast Period Competitive Landscape Brd-groupe Société Générale Continues To Dominate Charge Cards Advertising Remains Limited Low Demand and Growth Projected for Forecast Period Category Data Table 27 Charge Cards: Number of Cards in Circulation 2012-2017 Table 28 Charge Cards Transactions 2012-2017 Table 29 Charge Cards in Circulation: % Growth 2012-2017 Table 30 Charge Cards Transactions: % Growth 2012-2017 Table 31 Commercial Charge Cards: Number of Cards in Circulation 2012-2017 Table 32 Commercial Charge Cards Transactions 2012-2017 Table 33 Commercial Charge Cards in Circulation: % Growth 2012-2017 Table 34 Commercial Charge Cards Transactions: % Growth 2012-2017 Table 35 Charge Cards: Number of Cards by Issuer 2012-2016 Table 36 Charge Cards: Number of Cards by Operator 2012-2016 Table 37 Charge Cards Payment Transaction Value by Issuer 2012-2016 Table 38 Charge Cards Payment Transaction Value by Operator 2012-2016 Table 39 Commercial Charge Cards: Number of Cards by Issuer 2012-2016 Table 40 Commercial Charge Cards: Number of Cards by Operator 2012-2016 Table 41 Commercial Charge Cards Payment Transaction Value by Issuer 2012-2016 Table 42 Commercial Charge Cards Payment Transaction Value by Operator 2012-2016 Table 43 Forecast Charge Cards: Number of Cards in Circulation 2017-2022 Table 44 Forecast Charge Cards Transactions 2017-2022 Table 45 Forecast Charge Cards in Circulation: % Growth 2017-2022 Table 46 Forecast Charge Cards Transactions: % Growth 2017-2022 Table 47 Forecast Commercial Charge Cards: Number of Cards in Circulation 2017-2022 Table 48 Forecast Commercial Charge Cards Transactions 2017-2022 Table 49 Forecast Commercial Charge Cards in Circulation: % Growth 2017-2022 Table 50 Forecast Commercial Charge Cards Transactions: % Growth 2017-2022 Headlines Prospects Credit Card Growth Fuelled by Expanding Economy and Recovering Incomes Healthy Evolution of Credit Cards Fuelled by Rising Consumer Awareness Still Significant Scope for Further Growth Competitive Landscape Transactions Dominated by Banks Offering Shopping Cards Penetration Among Retailers Key To Success Zero Commission Offers Attracting Consumers Category Data Table 51 Credit Cards: Number of Cards in Circulation 2012-2017 Table 52 Credit Cards Transactions 2012-2017 Table 53 Credit Cards in Circulation: % Growth 2012-2017 Table 54 Credit Cards Transactions: % Growth 2012-2017 Table 55 Commercial Credit Cards: Number of Cards in Circulation 2012-2017 Table 56 Commercial Credit Cards Transactions 2012-2017 Table 57 Commercial Credit Cards in Circulation: % Growth 2012-2017 Table 58 Commercial Credit Cards Transactions: % Growth 2012-2017 Table 59 Personal Credit Cards: Number of Cards in Circulation 2012-2017 Table 60 Personal Credit Cards Transactions 2012-2017 Table 61 Personal Credit Cards in Circulation: % Growth 2012-2017 Table 62 Personal Credit Cards Transactions: % Growth 2012-2017 Table 63 Credit Cards: Number of Cards by Issuer 2012-2016 Table 64 Credit Cards: Number of Cards by Operator 2012-2016 Table 65 Credit Cards Payment Transaction Value by Issuer 2012-2016 Table 66 Credit Cards Payment Transaction Value by Operator 2012-2016 Table 67 Commercial Credit Cards: Number of Cards by Issuer 2012-2016 Table 68 Commercial Credit Cards: Number of Cards by Operator 2012-2016 Table 69 Commercial Credit Cards Payment Transaction Value by Issuer 2012-2016 Table 70 Commercial Credit Cards Payment Transaction Value by Operator 2012-2016 Table 71 Personal Credit Cards: Number of Cards by Issuer 2012-2016 Table 72 Personal Credit Cards: Number of Cards by Operator 2012-2016 Table 73 Personal Credit Cards Payment Transaction Value by Issuer 2012-2016 Table 74 Personal Credit Cards Payment Transaction Value by Operator 2012-2016 Table 75 Forecast Credit Cards: Number of Cards in Circulation 2017-2022 Table 76 Forecast Credit Cards Transactions 2017-2022 Table 77 Forecast Credit Cards in Circulation: % Growth 2017-2022 Table 78 Forecast Credit Cards Transactions: % Growth 2017-2022 Table 79 Forecast Commercial Credit Cards: Number of Cards in Circulation 2017-2022 Table 80 Forecast Commercial Credit Cards Transactions 2017-2022 Table 81 Forecast Commercial Credit Cards in Circulation: % Growth 2017-2022 Table 82 Forecast Commercial Credit Cards Transactions: % Growth 2017-2022 Table 83 Forecast Personal Credit Cards: Number of Cards in Circulation 2017-2022 Table 84 Forecast Personal Credit Cards Transactions 2017-2022 Table 85 Forecast Personal Credit Cards in Circulation: % Growth 2017-2022 Table 86 Forecast Personal Credit Cards Transactions: % Growth 2017-2022 Headlines Prospects Payment of Wages and Pensions Into Debit Card Accounts Supports Growth Development of Debit Cards Follows Growth of Contactless Technology Demand for Debit Cards Fuelled by Rising Need for Convenience Competitive Landscape Top Six Banks Dominate Competitive Landscape Investment in Advertising in Response To Increased Competition Zero Commission Deals Proving Popular Among Consumers Category Data Table 87 Debit Cards: Number of Cards in Circulation 2012-2017 Table 88 Debit Cards Transactions 2012-2017 Table 89 Debit Cards in Circulation: % Growth 2012-2017 Table 90 Debit Cards Transactions: % Growth 2012-2017 Table 91 Debit Cards: Number of Cards by Issuer 2012-2016 Table 92 Debit Cards: Number of Cards by Operator 2012-2016 Table 93 Debit Cards Payment Transaction Value by Issuer 2012-2016 Table 94 Debit Cards Payment Transaction Value by Operator 2012-2016 Table 95 Forecast Debit Cards: Number of Cards in Circulation 2017-2022 Table 96 Forecast Debit Cards Transactions 2017-2022 Table 97 Forecast Debit Cards in Circulation: % Growth 2017-2022 Table 98 Forecast Debit Cards Transactions: % Growth 2017-2022 Headlines Prospects Open Loop Pre-paid Cards Remains Largest and Most Dynamic Area Shift Away From Vouchers Fuels Growth Growth To Remain Strong Over Forecast Period Competitive Landscape Competition Concentrated Around Employee Benefits Interest Among Banks Remains Limited Contactless Cards Set To Boost Demand Category Data Table 99 Pre-paid Cards: Number of Cards in Circulation 2012-2017 Table 100 Pre-paid Cards Transactions 2012-2017 Table 101 Pre-paid Cards in Circulation: % Growth 2012-2017 Table 102 Pre-paid Cards Transactions: % Growth 2012-2017 Table 103 Closed Loop Pre-paid Cards Transactions 2012-2017 Table 104 Closed Loop Pre-paid Cards Transactions: % Growth 2012-2017 Table 105 Open Loop Pre-paid Cards Transactions 2012-2017 Table 106 Open Loop Pre-paid Cards Transactions: % Growth 2012-2017 Table 107 Pre-paid Cards: Number of Cards by Issuer 2012-2016 Table 108 Pre-paid Cards: Number of Cards by Operator 2012-2016 Table 109 Pre-paid Cards Transaction Value by Issuer 2012-2016 Table 110 Pre-paid Cards Transaction Value by Operator 2012-2016 Table 111 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016 Table 112 Closed Loop Pre-paid Cards: Number of Cards by Operator 2012-2016 Table 113 Closed Loop Pre-paid Cards Transaction Value by Issuer 2012-2016 Table 114 Closed Loop Pre-paid Cards Transaction Value by Operator 2012-2016 Table 115 Open Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016 Table 116 Open Loop Pre-paid Cards: Number of Cards by Operator 2012-2016 Table 117 Open Loop Pre-paid Cards Transaction Value by Issuer 2012-2016 Table 118 Open Loop Pre-paid Cards Transaction Value by Operator 2012-2016 Table 119 Forecast Pre-paid Cards: Number of Cards in Circulation 2017-2022 Table 120 Forecast Pre-paid Cards Transactions 2017-2022 Table 121 Forecast Pre-paid Cards in Circulation: % Growth 2017-2022 Table 122 Forecast Pre-paid Cards Transactions: % Growth 2017-2022 Table 123 Forecast Closed Loop Pre-paid Cards Transactions 2017-2022 Table 124 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022 Table 125 Forecast Open Loop Pre-paid Cards Transactions 2017-2022 Table 126 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2017-2022 Prospects