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17 August 2012

ATM Market in CEE growing seven times faster than in western Europe

The central and eastern European (CEE) ATM market continued its recent trend of strong, but steady growth, last year, increasing by another 10% in 2011. 18,000 new machines were installed, bringing the total to 208,000. The global recession and the continuing maturation of the CEE market mean that growth rates seen in the mid- 2000s – often 30% or more – have fallen in recent years. This level of growth is still impressive, however, and seven times higher than in western Europe. These are some of the main findings of a new report, “ATMs and Cash Dispensers Central and Eastern Europe 2012”, published by RBR and covering 15 countries.
Number of ATMs in Central & Eastern Europe, 2007-2011
Source: ATMs and Cash Dispensers Central and Eastern Europe 2012 (RBR)

Russia growth drive not letting up                                                                                                                                                                  

83% of the growth in the region as a whole came from Russia where 15,000 new ATMs were added, an increase of 15%. Neighbouring Belarus recorded growth of 8%, while Kazakhstan and the Czech Republic saw increases of 7% and 6% respectively. At the other end of the scale, Latvia’s ATM base shrank by 13%, and a full 20% of Lithuania’s ATMs were withdrawn, as a result of the bankruptcy of Bankas Snoras, the country’s third largest deployer. In general, growth was strongest in the far east of the CEE region, and slower in the Baltics, and central and south-eastern Europe.

New momentum for automated cash deposit technology

The market for ATMs which accept automated note deposits was particularly strong in 2011, with the number of automated deposit ATMs rising by 37% to reach nearly 26,000. The majority of these are in Russia, with the Ukraine, Kazakhstan, Poland and the Czech Republic the next largest markets. Despite almost trebling in number during 2011, cash recyclers remain rare, with fewer than 500 installed across the entire region.
Cash withdrawal volumes growing faster in larger markets
5.3 billion ATM cash withdrawals were made in CEE during 2011, an increase of 12% on 2010. This is the fastest growth recorded since 2008, and contrasts with western Europe, where growth is flat. The number of withdrawals in Russia grew by 18%, in Ukraine by 16% and in Kazakhstan by 14%. Not all markets saw a growth in cash withdrawal volumes however. Several smaller markets, including Lithuania, Bulgaria and Croatia, actually reported falling volumes.

The average value of a cash withdrawal in 2011 was EUR 114 – the highest in the region for several years, and close to the western European average. The highest average value (EUR 150) was recorded in the Czech Republic, and the lowest (EUR 28) in Bulgaria.

Security cameras at forefront of CEE security drive
ATMs in the CEE region are notable for their use of security hardware. Deployers have now installed security cameras at 73% of their ATMs to fight card fraud and deter physical attacks. Belarus has the highest share of ATMs covered by security cameras, with 98% of terminals equipped. There are only three markets – Hungary, Slovenia and Croatia – where fewer than 40% of ATMs have cameras.
Share of ATMs Equipped with Security Cameras, 2011 (Top 5)
Source: ATMs and Cash Dispensers Central and Eastern Europe 2012 (RBR)

Other security measures are increasingly being implemented by ATM deployers. 96% of the region’s ATMs are now EMV-compliant, while 99% comply with 3DES security requirements. Over half of ATMs have been fitted with anti-skimming devices, with Slovakia, Russia and Croatia the most advanced markets for this technology. Newer security features include banknote degradation (e.g. ink staining), which is now present in seven CEE markets, and biometric identification, which has been introduced by BPS Bank in Poland.


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