Lisbon, November 9th 2011
The Successful Coopetitive Model Challenges as Opportunities                                    2
 The Successful Coopetitive Model Challenges as Opportunities                                     3
SIBS Origin                         SIBS Today                        SIBS Mission Created in 1983                       ...
FINAL CLIENTS                                                      COMPETITIVE                                            ...
International Schemes                                                               STEP2                                T...
 “MULTIBANCO system is one of   the most  advanced networks                  “Portugal’s MULTIBANCO  in the world (…) ena...
Millions of  operations per year                                                                                          ...
9
Channels       Number of transactions (millions)         Total value (billion euros)~14.400 ATM (all major vendors ‐ 20+  ...
>2,3 billion operations   >19 million cards>200 million documents
200 OPERATIONS    PER SECOND
76 million € / withdrawals/ day79 million € / purchases/ day                     15€ from every               Portuguese, ...
More than 2 airports per day   17 bilions € / SICOI / dayMore than 40x  Portugal’s PIB   7 trilions euros in 2010
The Successful Coopetitive Model Challenges as Opportunities                                    15
Continuous growth                                   Non coopetitive                                      services         ...
Contactless   Instant IssuingBusiness Activity Monitoring
On-going operations in:                                           • Europe                                                ...
Lisbon, November 9th 2011                      Maria Antónia SaldanhaCommunication Manager ‐ Corporate Office ‐ SIBS:     ...
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha
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VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha

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VIII Lisbon EACD Debate focused on "Financial communications: rebuilding trust and confidence", sponsored by Hotel Altis and Optimus, 9th november, 2011

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VIII Lisbon Debate Comunicaçao Maria Antonia Saldanha

  1. 1. Lisbon, November 9th 2011
  2. 2. The Successful Coopetitive Model Challenges as Opportunities 2
  3. 3.  The Successful Coopetitive Model Challenges as Opportunities 3
  4. 4. SIBS Origin SIBS Today SIBS Mission Created in 1983 • 26 shareholder (99% of bank  Contribute to social welfare,  market share) promoting and efficiency in  Financial services, namely  Fully nationalized  • Owner of the “MULTIBANCO”  payments, through the  banking sector network (single ATM and  provision of technological  EFTPOS operator in Portugal)  solutions and processes that  12 shareholder (banks) and card scheme  combine security,  convenience and innovation  Designed to be an  • Global ACH in Portugal for all  at the lowest possible cost instrument for  payment systems interbank cooperation  in the payments arena • Provider of backoffice & Item  Processing services for the  banking community SIBS aim to be an international reference as payment systems technological operator 4
  5. 5. FINAL CLIENTS COMPETITIVE  PLATFORMBANK A BANK B BANK C BANK D ... BANK Z (operational  economies  distributed) COOPERATIVE  PLATFORM (network and scale  economies) TECHNOLOGICAL INFRASTRUCTURE 5
  6. 6. International Schemes  STEP2 TARGET2 International Systems Interface CREDIT  CARDS CHEQUES DRAFTS DIRECT DEBITS RTGS TRANSFERS Channel Interface ATM POS Internet banking Internet secure  Mobile Banking Contactless road toll  payments  payments OthersSIBS plays a transversal role in the payment system, presenting a  one‐stop‐shop offer with unique innovative services
  7. 7.  “MULTIBANCO system is one of  the most  advanced networks  “Portugal’s MULTIBANCO in the world (…) enabling  innovative services such as the  system is acknowledged to be  the most sophisticated and  “The significant increase in the  pre‐paid mobile phone calls  and the electronic motorway  comprehensive in the world.”  use of debit cards in Portugal,  toll system.”  In Eurobusiness, June 2003 over the last decade, is linked to   In Financial Times, June 2003 the creation of SIBS (…).”  In ECB, “ECB Blue Book”, Vol. I,  August 2007 “... the example of the Portuguese  system, SIBS, suggests that  greater innovation may arise out  of a system where all the  “A survey conducted for this report looked at the availability  processing for a number of  and use of a non‐cash functions at cash machines in other  payment methods is carried out  countries. Of the survey respondents, the Portuguese were  centrally.”  the leaders in the cash machine functionality.”  In OFT, April 2006 In APACS’ Report UK Cash & Cask Machines, May 2008 The Portuguese payment system is internationally recognized  as a case of success and innovation 7
  8. 8. Millions of operations per year SWIFT Law interface2.200 Payments Car Park contactless MB DOX2.000 Welfare payments First network in the world to Payments TARGET 21.800 offer Bill Payments and SEPA CT Mobile Phone Top-Up. Tax Payments Direct PE-ACH1.600 interface Debits (for credit SET Protocol transfers)1.400 RTGS Road Toll (e-commerce) Gas stations Contactless payments contactless Payments1.200 Direct payments (card) Mobile phone e-authentication Credits top-up Draft’s1.000 Clearing Public 800 Cheques’ phones’ Clearing payments 600 Road toll POS Network contactless ~2,3 Billion Bill payments 400 ATM payment at transactions in Network ATM 2010. 200 1986 1988 1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 Managed Cards 766 1.240 2.377 4.205 5.291 7.024 9.315 11.756 14.574 16.189 17.642 19.768 18.876(thousands) 8
  9. 9. 9
  10. 10. Channels Number of transactions (millions) Total value (billion euros)~14.400 ATM (all major vendors ‐ 20+  ATM 883 52models) POS 748 30~278.000 POS  Other:(multi‐acquirer – all  major  •Home Bankvendors ‐ 70+  •Road Toll 363 15models) •Mobile banking •Internet banking •… •Cheques •Direct Debits •Credits Transfer 312 7.888 •Drafts  •RTGS Total ACH 2.342 7.988 SIBS’ ACH processes 2,3 billion transaction per year with a total value of almost 8 trillion €. 10Source: SIBS statistics ‐ 2011.
  11. 11. >2,3 billion operations >19 million cards>200 million documents
  12. 12. 200 OPERATIONS PER SECOND
  13. 13. 76 million € / withdrawals/ day79 million € / purchases/ day 15€ from every Portuguese, every day
  14. 14. More than 2 airports per day 17 bilions € / SICOI / dayMore than 40x  Portugal’s PIB 7 trilions euros in 2010
  15. 15. The Successful Coopetitive Model Challenges as Opportunities 15
  16. 16. Continuous growth Non coopetitive services Grow with shareholders International  markets
  17. 17. Contactless Instant IssuingBusiness Activity Monitoring
  18. 18. On-going operations in: • Europe • Poland • Greece • Romania • Spain • Malta • UK • Africa • Angola • Algeria • Mozambique and SWIFT services to customers based in such diverse overseas locations as New York, Panama and Southeast China.SIBS is one of the biggest European processors with on‐going  operations in different business fields on several countries. 30
  19. 19. Lisbon, November 9th 2011 Maria Antónia SaldanhaCommunication Manager ‐ Corporate Office ‐ SIBS: m.antonia.saldanha@sibs.pt http://pt.linkedin.com/in/masaldanha

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