Statistical data on the banks’ payment systems in Finland2001-2010

1 April 2011

PAYMENT TRANSMISSIONGiros

Cheque and Urgent Giro Payments

Card Payments

PAYMENT CARDS

BANKS’ DISTRIBUTION NETWORK

1 Credit Transfers and Automation Rate2 Electronic transfers

3 Cheque Payments4 Urgent Transfers

5 Terminals and Card Payments6 Value of Debit Card Payments

7 Cards Distributed via Banks8 Number of Cards by Feature9 Number of Payment Card Transactions10 Value of Payment Card Transactions11 Card Payments per a Card a Year12 Total Value of Card Payments per a Payment Card

13 Number of Net Bank Customers and Transactions14 Tupas Identification Service and Online Payments15 Finvoice Intermediation Service16 Number of Bank Branches and Employees17 Number of Banks’ ATMs18 Number of ATM Transactions19 Amount of ATM Withdrawals

STATISTICAL DATA ON THE BANKS’ PAYMENT SYSTEMS AND DISTRIBUTION NETWORKS IN FINLAND 2001-2010

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

400

800

1,200

1,600

2,000

0.0

20.0

40.0

60.0

80.0

100.0

70 69 58 52 51 49 47 46 33 3912 9 6 6 5 5 4 3 2 1

313 395 439 508 570 591760

896 8971,040

483515

572603

640 676

726

780 818

835

90.6 92.1 94.0 95.0 95.5 96.0 96.7 97.2 98.0 97.9

Paper-based giros

Sales slips and cheques

EFTPOS transactions

Electronic transfers

Millions %Credit Transfers and Automation Rate

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

100

200

300

400

500

600

700

800

900

101 110 139 149 168 186 210 218 226 252

251 266282 299

314333

351398 418

424

4854

6469

7272

7682

8484

8484

8685

8586

8883

91 75

483515

572603

640676

726780

818 835

Message transfers

Reference transfers

Direct debits

Recurrent payments

Total

Mill. transfersElectronic transfers

2001 2002 2003 2004 2005 2006 2007 2008 20090

50

100

150

0

3

5

8

108

77

62

50

30 28 3026

21151.0 0.8 0.8 0.6 0.7 0.6 0.6 0.6 0.5 0.4

114

93

79 81

46 4551

46 4436

Cheques (€ bn)

Cheques (mill. pcs, right-hand scale)

Average cheque amount (1,000 €)

Mill. chequesCheque Payments€ bn

2001 2002 2003 2004 2005 2006 2007 2008 20090

500

1,000

1,500

2,000

2,500

0

500

1,000

1,500

2,000

2,500

275 285 331416 433 439 445 378 327 283

176 183 184 195 215 228 251 234 245 220

1,560 1,556

1,797

2,1352,015

1,9251,772

1,615

1,333 1,284

Urgent transfers (€ bn)

Urgent transfers (1,000 pcs,right-hand scale)

Average amount of urgent transfer (1,000 €)

1,000 girosUrgent Transfers

€

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

20

40

60

80

100

120

140

160

180

200

220

0

200

400

600

800

1,000

1,200

72 7992 96 98 97 95 85 79

37

5.169 17.56240.17 68.34

97163.545

103.169

114.562135.381

152.92176.41

200.64

20 26 54 90143

229284

374412

471

313395

439508

570591

760

896 897

1040

Number of EMV-terminals

Number of Mg-stripe terminals

Total number ofEFTPOS terminals

EFTPOS authorizations(right-hand scale)

Mill. trans.

1 000 kpl

1,000 units

Payment Terminals and Card Payments

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

10

20

30

40

50

0.0

10.0

20.0

30.0

40.0

50.0

12.2 13.8 14.8 16.2 17.820.8 22.5 19.9 17.2

11.8

0.4 2.8 11.7

41.9

38.135.7 36.5 35.7 36.1 35.9 35.7 36.1 37.2

Domestic Bank Card payments (€ bn)

Offline Debit Card payments (€ bn)

Average amount of Offline Debit Card and Domestic Bank Card payments (€, right-hand scale)

€ bn

Value of Bank Card- and Debit Card Payments €

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

1,982 2,036 1,961 1,845 1,668 1,442 1,185 1,020 844201

566 814 1,058 1,318 1,525 1,727 1,915 2,1272,309 2,484

9701,054 1,117

1,311 1,551 1,779 2,0852,214 1,311

292225

265469

507570

785989

1,152899 1,009

2,4262,162

1,930 1,556 1,139830

622367 159

112

2.23842.982 170.394508.284

1192.503

106 1,1972,157

6184 6331 6535 6537 6453 65656840

7157 7228 7448

1,000 cards

General purpose- and ATM Cards Distributed via Banks

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

2

4

6

8

10

12

14

2.9 3.1 3.1 3.2 3.2 3.2 3.3 3.22.2

0.5

0.6 0.8 1.1 1.3 1.5 1.7 1.9 2.12.3 2.5

2.02.1

2.42.7

3.1 3.43.9

4.64.4 4.1

2.32.5

2.72.7

3.13.5

3.42.6 2.5 2.0

0.3 1.73.3

7.88.5

9.29.9

10.911.8

12.5 12.8 13.012.4

Domestic Bank Cards

Offline DebitCards

Online DebitCards

Credit and Charge Cards

Retail Cards

Mill. cards

Payment Cards by Feature

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

200

400

600

800

1,000

1,200

291362 415 445 498

576 628557

479322

2

1433

61100

151200

251 279

321

65

6870

73

76

88

90 115 120

126

55

5960

62

66

68

69 67 45

37

412

502577

640

740

884

988 1002 1000

1116

12.26977.555

310.437

Domestic Bank Cards

Offline DebitCards

Online Debit Cards

Credit and Charge Cards

Retail Cards

Mill. transactions

Number of Payment Card Transactions

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

5

10

15

20

25

30

35

40

45

12.2 13.8 14.8 16.2 17.820.8 22.5

19.917.2

11.8

0.10.3

0.71.3

2.0

2.94.0

5.2 5.6

6.5

4.04.1

4.24.3

4.5

5.3

5.7 7.7 7.8

8.4

2.42.5

2.52.6

2.9

3.0

3.0 3.2 2.5

2.3

18.620.7

22.324.4

27.2

32.0

35.3 36.4 36.0

40.7

0.39612.813511.6683

Domestic Bank Cards

Offline DebitCards

Online DebitCards

Credit and Charge Cards

Retail Cards

€ bnValue of Card Payments (€ bn)

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

20

40

60

80

100

120

140

160

180

200

220

100

118

135141

155

179191

162

144

165

3

17

3146

66

87

104

118121

129

32 32 29 27 25 26 2325 27 31

24 24 23 23 21 20 20 2618 19

Offline Debit- and Domestic Bank Cards

Online DebitCards

Credit and Charge Cards

Retail Cards

Payment / yearCard Payments per a Card a Year

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,0004175

4498

4819

5146

5531

6457

6865

5785

5196 6

114

95 383 680 956

1291

1678

2103

2442

2432

2620

1,9

67

1,9

46

1,7

68

1,5

88

1,4

85

1,5

77

1,4

66

1,6

93

1,7

96

2,0

51

1,0

18

1,0

06

946

963

932

854

883

1,2

21

991

1,1

75

Offline Debit- and Domestic Bank Cards

Online DebitCards

Credit and Charge Cards

Retail Cards

Total Value of Card Payments per a Card€ / year

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

1,000

2,000

3,000

4,000

5,000

6,000

0

100

200

300

400

500

600

212 210 213 213 220 232 226 232 232 233

2,5762,791 2,923

3,2393,579

3,856

4,2824,685

4,9285,238

110.4145.3 160.1

205.2

283.7 287.5309.6

329.6354.1 390.6

Web bankagreements

Batch file agreements

Web bank transactions(millions, right-hand scale)

1,000 agreements

Mill. trans.

Net Bank Customers and Transactions

2003 2004 2005 2006 2007 2008 2009 20100

5

10

15

20

25

30

0.01.0

2.54.0

6.5

10.6

13.5

21.7

2.8

5.2

7.7

11.4

15.6

19.2

23.1

29.9

Identifications Online Payments

Tupas Identifications and Online Payments(Service Providers)Millions

2005 2006 2007 2008 2009 20100

200

400

600

800

1,000

1,200

0

2

4

6

8

10

12

14

59 76 95 110 135182

97

276

666

1,092

0.31.1

2.7

5.2

8.4

14.4

Sender and Receipient agreements (Companies)

Recieving-infomessages(Consumers)

Finvoice Intermediation Service1,000 pcs Millions

2001 2002 2003 2004 2005*)

2006 2007 2008 2009 20100

500

1,000

1,500

2,000

2,500

3,000

3,500

0.0

5.0

10.0

15.0

20.0

25.0

30.0

1,571 1,573 1,564 1,5831,783 1,756 1,693 1,672 1,606 1,605

24.8 24.523.4 22.8 23.0

24.8 25.0 25.7 24.9 24.7

Branches(left-hand scale)

Employees(1000 persons, right-hand scale)

*) Branches of Pohjola included since 2005

Branch offices

Branches and Employees of Deposit-taking Banks

operating in Finland1,000 persons

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

500

1,000

1,500

2,000

2,500

2,1

32

2,1

10

2,0

01

1,7

29

1,6

89

1,6

69

1,6

58

1,6

52

1,6

53

1,6

49

2,2

00

2,1

07

1,9

54

1,7

41

1,6

96

1,6

10

1,5

60

1,5

09

1,2

23

1,1

73

1,1

12

1,1

60

1,2

20

1,3

28

1,2

93

1,2

49

1,2

37

1,2

12

1,1

64

1,0

38

Cash dispensing ATMs Giro ATMs Multipurpose Terminals

Units

ATMs and Self Service Terminals

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

50

100

150

200

250

300

350

400

450

500

248 241 230 221 209 197 190 186 180 172

76 6960 54

4235 29 24 21 16

123123

10998

8967

6153 55

50

Withdrawals Giro transfers Withdrawal and Giro enquiries

Mill. transactions

ATM Transactions

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

5

10

15

20

0

40

80

120

160

17.4 17.3 17.4 17.2 16.9 16.6 16.4 16.6 16.415.7

70.2 71.7 75.4 77.8 81.0 84.1 86.5 89.4 91.5 91.1

ATM withdrawals

Average withdrawal amount (€, right-hand scale)

€ bn €

ATM Withdrawals (€ bn)

The Federation of Finnish Financial Services publishes payment statistics on payment traffic in Finland categorised according to payment method. The statistics do not include cash payments or international payments. Since 2008, the collection of card transactions is issuer-based, that is, the data is collected from card issuers.

Figure 1 Paper-based giros include cash payments made at bank offices or payments that are sent to the bank using the payment service and that a bank employee enters into the bank's systems

Card sales slips are used with card transactions processed by a manual imprinter.

EFTPOS transactions are transactions that include all card payment transactions made by payment terminal where the card data is read from the card’s magnetic stripe or chip.

Electronic transfers are payments transferred to the bank in electronic format, such as payments made in the Web bank or using banking software or a payment terminal.

Automation rate is the share of payments transmitted to the bank in electronic format of all payment transactions.

Figure 2 Message giros are transfers that include a message entered in the payment data by the payer.

Reference giros are transfers that include a reference, given by the invoicer, which is used to identify the payment.

Direct debiting is a means of payment whereby the payer has authorized the invoicer to debit a recurrent payment from his or her account.

Recurrent payments are payments made on a recurring basis (typically salaries, pensions or benefits) using a specific service provided by banks for this purpose. Figure 4 Urgent transfers are payments made using a specific service for making urgent payments and they are transmitted between banks faster than ordinary payments.

The Federation of Finnish Financial Services publishes payment statistics on payment traffic in Finland categorised according to payment method. The statistics do not include cash payments or international payments. Since 2008, the collection of card transactions is issuer-based, that is, the data is collected from card issuers.

Figure 5 In this context, payment terminals (EFTPOS) also include all the card readers at the shop. There may be several card readers in one shop.

Figure 6 Pankkikortti (domestic debit) is a payment card individually granted by a bank to one of its customers. It is intended for domestic use and linked to a bank account.

Offline Debit Cards are international payment cards individually granted by a bank to its customers. Offline debit cards are linked to the customer’s bank account.

Figure 7 Online Debit Cards are international payment cards individually granted by a bank to its customers. Offline debit cards are linked to the customer’s bank account. All payment transactions made using an Online Debit card will always be authorized.

A combination card carries features from one or several payment cards.

An ATM card is a card issued by a bank to a customer for the purpose of accessing his or her account. It is intended for domestic use and can only be used in Otto ATMs managed by Automatia.

Figures 8–12 A Credit Card or a Charge Card is a card that the cardholder can use at points of sale which accept the card; the line of business of the points of sale is not limited to one specific area.

Retail Cards are credit cards that are only accepted at certain points of sale or retail chains.

The Federation of Finnish Financial Services publishes payment statistics on payment traffic in Finland categorised according to payment method. The statistics do not include cash payments or international payments. Since 2008, the collection of card transactions is issuer-based, that is, the data is collected from card issuers.

Figure 13 Data Connection Agreements are agreements made between the bank and the customer concerning how the customer can make payments or use other electronic services provided by the bank. As regards consumers, agreements usually concern Web banks; agreements with corporate customers usually concern data connections.

Web bank transactions are payments made using a Web bank. Customers use online identifiers granted by the bank to access the Web bank service.

Figure 14 Tupas identifications are electronic identifications in non-bank online services using Web bank identifiers.

Online payments are payment transactions made in online shops without any card, in which funds are transferred from the customer's account into the online shop's account; that is, the customer has paid for the online purchase using the click-and-pay system.

Figure 15 The Finvoice Intermediation Service includes the service providers who have signed the Finvoice intermediation agreement. The compilation of statistics has been agreed on with the service providers.

Sender and Recipient Agreements are service agreements between a company and a service provider concerning the sending or reception of Finvoice messages.

Receiving-Infomessages (Consumers) include notifications of receipt of an e-invoice by the consumer for a given invoicing issue.

Finvoice messages refer to electronic invoices.

Figures 17–19 The number of cash dispensing ATMs only includes Otto ATMs managed by Automatia. In Finland, there are also other cash dispensing ATMs which are not connected to the banks’ ATM network. Cash dispensing ATMs and giro ATMs are used with cards and the banks’ multi-services terminals with Web bank identifiers.