FINANCIAL CARDS AND PAYMENTS IN RUSSIA Euromonitor International February 2018 LIST OF CONTENTS AND TABLES Executive Summary Financial Cards and Payments Continues To Experience A Positive Performance Cash Loses Ground To Financial Cards Contactless Technology Gains in Popularity the Introduction of Pay-later Card Products Positive Performance Expected for Financial Cards and Payments Over the Forecast Period 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 Consumer Access To Credit Cards Is Still Limited in Russia Current Trends in Commercial Credit Cards Show A Negative Picture Personal Credit Cards Remains Unstable Competitive Landscape the Ongoing Concentration of Category Leaders Loyalty and Reward Programmes Are Key To Success Category Data Table 27 Credit Cards: Number of Cards in Circulation 2012-2017 Table 28 Credit Cards Transactions 2012-2017 Table 29 Credit Cards in Circulation: % Growth 2012-2017 Table 30 Credit Cards Transactions: % Growth 2012-2017 Table 31 Commercial Credit Cards: Number of Cards in Circulation 2012-2017 Table 32 Commercial Credit Cards Transactions 2012-2017 Table 33 Commercial Credit Cards in Circulation: % Growth 2012-2017 Table 34 Commercial Credit Cards Transactions: % Growth 2012-2017 Table 35 Personal Credit Cards: Number of Cards in Circulation 2012-2017 Table 36 Personal Credit Cards Transactions 2012-2017 Table 37 Personal Credit Cards in Circulation: % Growth 2012-2017 Table 38 Personal Credit Cards Transactions: % Growth 2012-2017 Table 39 Credit Cards: Number of Cards by Issuer 2012-2016 Table 40 Credit Cards: Number of Cards by Operator 2012-2016 Table 41 Credit Cards Payment Transaction Value by Issuer 2012-2016 Table 42 Credit Cards Payment Transaction Value by Operator 2012-2016 Table 43 Commercial Credit Cards: Number of Cards by Issuer 2012-2016 Table 44 Commercial Credit Cards: Number of Cards by Operator 2012-2016 Table 45 Commercial Credit Cards Payment Transaction Value by Issuer 2012-2016 Table 46 Commercial Credit Cards Payment Transaction Value by Operator 2012-2016 Table 47 Personal Credit Cards: Number of Cards by Issuer 2012-2016 Table 48 Personal Credit Cards: Number of Cards by Operator 2012-2016 Table 49 Personal Credit Cards Payment Transaction Value by Issuer 2012-2016 Table 50 Personal Credit Cards Payment Transaction Value by Operator 2012-2016 Table 51 Forecast Credit Cards: Number of Cards in Circulation 2017-2022 Table 52 Forecast Credit Cards Transactions 2017-2022 Table 53 Forecast Credit Cards in Circulation: % Growth 2017-2022 Table 54 Forecast Credit Cards Transactions: % Growth 2017-2022 Table 55 Forecast Commercial Credit Cards: Number of Cards in Circulation 2017-2022 Table 56 Forecast Commercial Credit Cards Transactions 2017-2022 Table 57 Forecast Commercial Credit Cards in Circulation: % Growth 2017-2022 Table 58 Forecast Commercial Credit Cards Transactions: % Growth 2017-2022 Table 59 Forecast Personal Credit Cards: Number of Cards in Circulation 2017-2022 Table 60 Forecast Personal Credit Cards Transactions 2017-2022 Table 61 Forecast Personal Credit Cards in Circulation: % Growth 2017-2022 Table 62 Forecast Personal Credit Cards Transactions: % Growth 2017-2022 Headlines Prospects Debit Cards Continues To Dominate Financial Cards in Russia Debit Cards To Continue Growing Competitive Landscape Sberbank Oao Is the Undisputed Leader in Debit Cards Category Players Benefit From Loyalty Programmes Innovations Are Another Key Aspect in the Category Category Data Table 63 Debit Cards: Number of Cards in Circulation 2012-2017 Table 64 Debit Cards Transactions 2012-2017 Table 65 Debit Cards in Circulation: % Growth 2012-2017 Table 66 Debit Cards Transactions: % Growth 2012-2017 Table 67 Debit Cards: Number of Cards by Issuer 2012-2016 Table 68 Debit Cards: Number of Cards by Operator 2012-2016 Table 69 Debit Cards Payment Transaction Value by Issuer 2012-2016 Table 70 Debit Cards Payment Transaction Value by Operator 2012-2016 Table 71 Forecast Debit Cards: Number of Cards in Circulation 2017-2022 Table 72 Forecast Debit Cards Transactions 2017-2022 Table 73 Forecast Debit Cards in Circulation: % Growth 2017-2022 Table 74 Forecast Debit Cards Transactions: % Growth 2017-2022 Headlines Prospects Pre-paid Cards Continues To Perform Well Within Financial Cards in Russia Transportation Cards Dominates Pre-paid Cards in Russia Two Transportation Cards Merge Competitive Landscape Zolotaya Korona Zao Is the Undisputed Leader in Russian Pre-paid Cards Category Data Table 75 Pre-paid Cards: Number of Cards in Circulation 2012-2017 Table 76 Pre-paid Cards Transactions 2012-2017 Table 77 Pre-paid Cards in Circulation: % Growth 2012-2017 Table 78 Pre-paid Cards Transactions: % Growth 2012-2017 Table 79 Closed Loop Pre-paid Cards Transactions 2012-2017 Table 80 Closed Loop Pre-paid Cards Transactions: % Growth 2012-2017 Table 81 Open Loop Pre-paid Cards Transactions 2012-2017 Table 82 Open Loop Pre-paid Cards Transactions: % Growth 2012-2017 Table 83 Pre-paid Cards: Number of Cards by Issuer 2012-2016 Table 84 Pre-paid Cards: Number of Cards by Operator 2012-2016 Table 85 Pre-paid Cards Transaction Value by Issuer 2012-2016 Table 86 Pre-paid Cards Transaction Value by Operator 2012-2016 Table 87 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016 Table 88 Closed Loop Pre-paid Cards: Number of Cards by Operator 2012-2016 Table 89 Closed Loop Pre-paid Cards Transaction Value by Issuer 2012-2016 Table 90 Closed Loop Pre-paid Cards Transaction Value by Operator 2012-2016 Table 91 Open Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016 Table 92 Open Loop Pre-paid Cards: Number of Cards by Operator 2012-2016 Table 93 Open Loop Pre-paid Cards Transaction Value by Issuer 2012-2016 Table 94 Open Loop Pre-paid Cards Transaction Value by Operator 2012-2016 Table 95 Forecast Pre-paid Cards: Number of Cards in Circulation 2017-2022 Table 96 Forecast Pre-paid Cards Transactions 2017-2022 Table 97 Forecast Pre-paid Cards in Circulation: % Growth 2017-2022 Table 98 Forecast Pre-paid Cards Transactions: % Growth 2017-2022 Table 99 Forecast Closed Loop Pre-paid Cards Transactions 2017-2022 Table 100 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022 Table 101 Forecast Open Loop Pre-paid Cards Transactions 2017-2022 Table 102 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2017-2022 Headlines Prospects Store Cards Is A Very Niche Product Category Within Financial Cards in Russia Retailers Prefer Co-branded Financial Cards To Store Cards Other Cards Categories Will Continue To Restrict Store Cards Competitive Landscape Store Cards Is Run by Credit Europe Bank Category Data Table 103 Store Cards: Number of Cards in Circulation 2012-2017 Table 104 Store Cards Transactions 2012-2017 Table 105 Store Cards in Circulation: % Growth 2012-2017 Table 106 Store Cards Transactions: % Growth 2012-2017 Table 107 Store Cards: Number of Cards by Issuer 2012-2016 Table 108 Store Cards: Payment Transaction Value by Issuer 2012-2016 Table 109 Forecast Store Cards: Number of Cards in Circulation 2017-2022 Table 110 Forecast Store Cards Transactions 2017-2022 Table 111 Forecast Store Cards in Circulation: % Growth 2017-2022 Table 112 Forecast Store Cards Transactions: % Growth 2017-2022