The ATM machine that slowly "disappeared"
The performance of ATM equipment manufacturers has shrunk significantly, and Royal Silver shares may be *ST
Text / table Guangzhou Daily all media reporter Wang Chuhan
How long has it been since you used an ATM machine?
"I seldom use ATMs to deposit and withdraw money now. The red envelopes for New Year's greetings are all sent by mobile phones. There used to be 4 ATMs in the bank branch downstairs of my house. Recently, it was discovered that two ATMs have been withdrawn." said Mr. Xu, a resident of Guangzhou.
During the visit, the reporter found that the ATM machine area of the bank branch is quite deserted, and at the same time, non-cash payment is gradually becoming popular.
ATM equipment manufacturers and bank branches that feel the "chill" in the market are actively seeking intelligent transformation.
Some people in the financial industry have analyzed that as financial institutions accelerate the digital transformation of financial services and the online development of financial services, the overall number of ATMs will decrease in the future, and the layout, adjustment and upgrade of physical outlets will be inevitable in the future, but the intelligence of outlets will not. Change the nature of financial allocation of resources and risk management.
Concern 1 ATM machine market is deserted, bank branch machines are withdrawn
During the visit, the reporter noticed that in the ATM branch of a state-owned bank in Guangzhou near the subway station, there are 6 semi-open lattices, 4 positions are vacant, only 2 ATM machines are installed, and there are only sporadic ones. Citizens come to handle deposit and withdrawal business.
"Few people use ATM machines now. For banks, ATM machines are necessary, but not so many. Generally, one of our bank branches is equipped with 2 to 3 ATM machines. The ATM machines in our branches have been used for 10 years. It has not been replaced, but it is usually maintained and upgraded." The lobby manager of a joint-stock commercial bank in Guangzhou told reporters.
The reporter learned that it cost hundreds of thousands of yuan to buy an ATM machine 10 years ago.
"At present, the cost of a brand new ATM machine is about 30,000 yuan. If there is a hardware problem outside the warranty period, the customer needs to purchase accessories for maintenance." An ATM machine supplier in Guangzhou told reporters.
With the development of technology and Internet technology, "cashless" convenient payment methods are in the ascendant.
The reporter learned from the "General Situation of the Payment System Operation in the Third Quarter of 2021" released by the official website of the People's Bank of China. As of the end of the third quarter, there were 6,959,700 ATMs in the country, a decrease of 27,000 from the end of the previous quarter; the number of ATMs corresponding to every 10,000 people nationwide The number was 6.80 units, down 2.73% from the previous month.
In the third quarter of 2021, a total of 3,119.728 billion non-cash payment transactions were processed by banks across the country, with an amount of 1,109.19 trillion yuan, a year-on-year increase of 19.66% and 6.32% respectively.
"Among the services provided by ATM machines, the most commonly used are cash deposit and withdrawal, inquiry, transfer, etc. With the rapid development of mobile payment, people's demand for cash deposit and withdrawal transactions through ATM machines has been reduced; the digital transformation of financial services, various financial APPs Development, the trend of online financial business is obvious." Zhou Maohua, a macro researcher of the Financial Market Department of China Everbright Bank, said that while the overall financial service supply is not significantly affected, it is not ruled out that some financial institutions will moderately reduce the number of ATM machines to reduce operating costs. .
Concern 2 ATM equipment manufacturers' performance declines and business transformation begins
The decline in the number of ATM machines has also made ATM equipment manufacturers feel the cool "chill" in the market.
The 2021 annual performance forecast released by Guangzhou Royal Silver Technology Co., Ltd. (hereinafter referred to as Royal Silver) shows that the net profit attributable to shareholders of the listed company is -45 million yuan to -65 million yuan, and it is expected that after deducting non-recurring gains and losses The net profit ranged from -16 million yuan to -24 million yuan.
If the company's 2021 audited financial data meets relevant regulations, after the company's 2021 annual report is disclosed, the company's stock trading will be subject to a delisting risk warning (prefixed with "*ST" before the stock abbreviation).
Since 2016, the total operating income of Royal Silver has been declining for six consecutive years. Compared with 1.097 billion yuan in 2015, the operating income in 2021 is expected to be only 75 million yuan to 95 million yuan. In its third quarter of 2021 The report mentioned that its operating income decreased, mainly due to the decrease in ATM sales revenue and ATM technical service revenue.
The reporter noticed that the situation of other ATM equipment manufacturers is not optimistic, and they are actively seeking transformation.
For example, SVA Express, in 2016, the company experienced its first negative growth in net profit since its listing. Since 2017, the company has embarked on business transformation, focusing on four major areas: intelligent finance, intelligent transportation, intelligent security, and intelligent convenience.
However, in the four-year period from 2017 to 2020, the year-on-year growth rate of its net profit attributable to the parent was negative in both 2018 and 2020.
"The transformation and development of financial digitalization poses challenges to traditional ATMs, but ATMs themselves are part of digital information technology. ATMs can provide customers with more diversified financial services through innovation, upgrading and function expansion, and there is still a lot of room for future development. ." Zhou Maohua's analysis.
Concern 3 Bank outlets seeking intelligent transformation may focus on wealth management and other businesses
According to the "Consumer Financial Literacy Survey and Analysis Report (2021)" released by the People's Bank of China, from the perspective of financial behavior, although payment through mobile phones has become the first choice of financial consumers in my country's daily life, most people still use Experience with cash payments, mainly micropayments.
Specifically, in the past two years, 77.02% of the respondents have used mobile phones to pay, and 71.32% have used cash to pay.
"Many businesses in smart outlets can be operated by themselves, which reduces staff time and provides more opportunities for marketing, so we can focus on marketing." A staff member of a bank said that in fact, many people have no idea about the operation of mobile banking. There are concerns, but I still believe that the operation is carried out by bank staff.
It is expected that in the future, the personal business of banks will be dominated by financial management and other businesses, and other businesses can basically be replaced by machines.
Regarding the future development trend of bank outlets, a research report by iResearch Research Institute pointed out that in the era of open digital banking, bank outlets will be deeply integrated with various industries, resulting in more industrial cooperation scenarios and demand for digital financial services. It can connect the business flow of this scenario, and realize the deep interconnection of the value of the industry and the bank, such as bank outlets + tourism, bank outlets + transaction scenarios.
On the other hand, while bank outlets provide financial services, they also provide embedded industrial services, such as bank outlets + consumption scenarios.
Zhou Maohua also mentioned that with the rapid development of big data, artificial intelligence, information technology, etc., financial institutions are also actively digital transformation, improve operating efficiency, reduce operating costs, and create various scenarios to meet customers' personalized and diverse financial service needs In recent years, with the rapid development of online financial services, the layout, adjustment and upgrade of physical outlets in the future are inevitable.