Friday, January 3, 2014

Banks start shutting ATMs at night

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Dinamalar ePaper

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Banks may go for partial closing of ATMs at night

Mayur Shetty, TNN | Dec 28, 2013, 01.31AM IST

MUMBAI: Banks may go for partial shutdown of ATMs with low transactions as a security measure from next month. This was the outcome of a recent meeting of the Indian Banks' Association over the issue of providing security to ATMs, where banks decided that shutting down of machines, which get low traffic at night, was an option.

IBA has written to RBI, communicating its decision that banks will take a call on which low-traffic ATMs will be closed at night and will identify the machines where guards will be deployed, in addition to e-surveillance, depending on the risk perception. A night shut-down will lower labour costs as well as operating costs and reduce revenues marginally. IBA had called the meeting of member banks in light of the incident in Bangalore, where a woman was assaulted and seriously injured inside an unguarded ATM.

In the meeting, banks had considered various options and the cost impact of these measures. Some banks were of the opinion that e-surveillance, where the kiosk is monitored through a CCTV, is a good alternative. Banks also discussed sharing of guards in places where ATMs of different banks are located next to each other. "We have issued guidelines to banks and have also confirmed this to Reserve Bank of India that banks will take a decision on partial shutdown or the deployment of guards in addition to e-surveillance, depending on risk perception. The final decision will be taken by each bank, depending on its risk perception," said M V Tanksale, chief executive, Indian Banks' Association.

According to Rituraj Sinha, co-chair , Ficommittee on private security industry, "It is not a question of choosing between guards and CCTVs. For deterrence of a crime it is essential that a guard should be physically present. Today the private security industry is in a position to meet all the manpower requirements of the banking sector".

Some feel that ATMs will get increasingly susceptible to attacks with the growth of 'white-label' and 'brown-label' ATMs where third-party agencies deploy machines away from branches to increase reach of financial services. "Our recommendation has always been that ATMs need a combination of both electronic and physical security. The cost of putting guards on an ATM is much lower than moving cash withdrawal transaction into bank branches" said a spokesperson for the Confederation of ATM Industry (CATMi). He added that if ATMs are closed because of security customers will start moving to branches.

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Banks start shutting ATMs at night

M Allirajan & Aparna Ramalingam, TNN | Jan 1, 2014, 06.05AM IST

COIMBATORE/CHENNAI: Many bank ATMs will no longer dispense cash round-the-clock. Banks have started shutting down ATMs at night where usage is low at night. While old-generation private sector banks such as Karur Vysya Bank and City Union Bank have started shuttting several ATMs in the night, others said they will take a call after studying usage patterns.

KVB shuts about 200 of its more than 1,500 ATMs at night. "We had a re-look at their usage. It is not worthwhile to operate ATMs when there are only 4-5 hits in the night," said V Krishnaswamy, president and chief operating officer, KVB. 

The bank shuts 200-odd ATMs between 10pm and 6am. It put up notices outside the ATMs saying they were being shut due to security reasons. "Some ATMs, which do not have much to show in terms of transactions, would have to be closed at night," said a top official with a leading south-based public sector bank. 

Kumbakonam-based CUB has identified around 60 ATMs, out of 900 in Tamil Nadu, for closure between 10pm and 6am. "We found that these ATMs were getting less than three hits at night," N Kamakodi, managing director and chief executive officer, CUB, said. 

The break-even for ATM operations of the bank is 100 hits per day. "In case of ATMs which don't achieve the break-even target within one-and-a-half years of installation, we either close it or shift operations or resort to partial closure," Kamakodi said. 

Senior officials from IBA (Indian Banks' Association) said at a recent meeting, some banks had suggested a partial closure (11pm to 6am) of ATMs located in isolated areas and those that did not have too many walk-ins. "It was endorsed by the managing committee. Many such ATMs hardly get 1-2 footfalls between 11pm and 6am," a senior official from IBA who did not want to be named said. 

Bankers said the cost of maintaining an ATM comes to around Rs 40,000-50,000 a month, of which salary of a round-the-clock security guard is around 15,000, electricity charges around 3,000 and machine depreciation accounting for other expenses."While rent is fixed, we can achieve cost savings in power and security through partial closure," Kamakodi said. In case of CUB, cost savings due to partial ATM closure is around Rs 10,000 per ATM per month. 

Some like Federal Bank have commissioned a study while others such as South Indian Bank are on a wait-and-watch mode. "We have set a benchmark with respect to the number of footfalls. A decision will be taken during a high-level meeting that is expected to be convened in the first week of January," A Surendran, general manager and head-retail, Federal Bank, said."Since we have a full surveillance camera in all our ATMs and monitoring is done on a 24-hour basis at a centralized location, we have decided now not to shut ATMs at night," said C P Gireesh, chief financial officer, South Indian Bank. But if security agencies insist that surveillance alone is not enough, the bank would have to look at shutting ATMs in the night, he said. 

IBA had written to the RBI stating that banks will take a call on which low-traffic ATMs will be closed at night. It said banks will identify machines where guards will be deployed, in addition to e-surveillance, depending on the risk perception. 

IBA had called a meeting of member banks in light of the Bangalore incident, where a woman was assaulted and seriously injured inside an unguarded ATM. 

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