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Encash for rbap may 2012

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Encash for rbap may 2012

  1. 1. 4th Floor, Citibank Center, Citibank PlazaPaseo de Roxas, Makati City, 1226Telephone Nos. (632) 892 5092 to 95Fax No. (632) 892 5091Email Address: www.encash-ph.com
  2. 2. PHILIPPINES’ ATM MARKET 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011Card Holders 10.024M 11.930M 13.470M 14.922M 18.194M 20.620M 21.629M 24.660M 25.470M 31.640M 37.550MATMs 3,949 4,360 4,904 5,092 6,038 7,057 7,611 8,029 8,185 9,939 11,532CH/ATM Ratio 2,538 2,747 2,746 2,936 3,013 2,922 2,842 3,072 3,112 3,183 3,256
  3. 3. THEN…
  4. 4. NOW…
  5. 5. GLOBAL PERSPECTIVECH/ATM ratio: 2,000ATM Network Sizes◦ Small: 400◦ Medium: 2,000◦ Large: 5,000 to 30,000
  6. 6. RP: Small-Large ATM network(Only one ATM switch required )TIGHT CH/ATM ratio: 3,256◦ 8 Medium: Up to 2,000 ATMs◦ 16 Small: 50 to 400 ATMs◦ 44 Micro ATM Networks:1 - 49 ATMs
  7. 7. IS A COST CHANNEL: NO ROIMonthly COSTS:ATM Depreciation PhP14,000ATM Maintenance PhP 5,000Cash Management ???TOTAL >PhP19,000Revenue: PhP8 perACQUIRED withdrawal
  8. 8. IS A COST CHANNEL: NO ROIRevenue, PhP8 per ACQUIRED withdrawal2,375 withdrawals required or, 79 per dayADD:ATM Switch, Data Center, Consortium Membership,24/7 Operations & Staff, Back-Up, Software, HSM,Power, Communications, Settlement, Risk, Cost of Cash,etc.
  9. 9. IS A COST CHANNEL: NO ROIPhP45(per successful withdrawal)◦ Your Customers? MOST EXPENSIVE ACTIVITY◦ Other Bank Customers? PhP 8.00
  10. 10. ACQUIRED Transactions BancNet– MegaLink Members PSB 519 PNB 466 CBC 496 LBPRCBC 962668 ONB ALLENS 115 307337
  11. 11. “We are very excited with our investment in ENCASH, ayoung and very promising company. We stronglybelieve that ENCASH, by placing ATMs in remote areas,improves access to financial services in the ruralcommunity.” - Sara Vermier“We are excited about the opportunity to help ENCASHscale its business and broaden its reach in providingaccess to finance for rural and underserved Filipinos.” - Anand Chandani
  12. 12. 4th Floor, Citibank Center, Citibank PlazaPaseo de Roxas, Makati City, 1226Telephone Nos. (632) 892 5092 to 95Fax No. (632) 892 5091Email Address: www.encash-ph.com

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