Version ¹121 on 01/09/2014
As of September 01, 2014 actual origination of the payment cards were mainly realized by 26 banks and JSC “Kazpost”. These institutes issue and distribute payment cards of the international systems (their share consists of 95,2%) like Visa International, Master Card, American Express International and UnionPay International. Beside banks of Kazakhstan issue payment cards of the local systems like Altyn Card – JSC “Halyk Bank of Kazakhstan”; Smart Alem Card – JSC “BTA Bank” and local card of Citibank Kazakhstan – JSC “Citibank Kazakhstan”.
As of September 01, 2014 banks have issued 17,2 mln. payment cards and a number of card holders reached 14,8 mln. (comparing the situation with the same date of 2013, there is a growth of 20,3% and 16,0% respectively)1. The most widespread ones are the debit cards with the share of 71,9%, the share of credit cards - 20,5%. The share of debit cards with credit limit and share of prepaid cards is 1,4% and 6,3% respectively.
In August 2014 the volume of transactions with credit cards issued by the Kazakhstan originators was 670,2 bln. tenge (growth against August 2013 has totaled 22,6%). The number of transactions reached 19,6 mln. and increased by 12,4% versus August 2013. At that, the number of payments and amount of the cashless payments went up to 18,0% (number of transactions 5,1 mln. transactions) and 9,1% (the volume of transactions - 83,0 bln. tenge), operations with cash withdrawals 10,6% (number of transactions -14,5 mln. transactions) and 24,8%( the volume of transactions - 587,2 bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (56,5% and 74,4% out of the total number of payments and volume of cashless payments) and ATMs (25,9% and 16,5% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (96,6% and 84,0% out of the total number of payments and volume of cash withdrawal transactions).
More detailed data on development of the payment cards market in Kazakhstan are shown in Tables 1-5.
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Table 1 |
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|
Specifications |
As of 01.09.13 |
As of 01.09.14 |
|
Total number of cards in circulation (thousand), of which: |
14 291,4 |
17 185,9 |
|
local systems |
686,2 |
817,1 |
|
international systems, of which: |
13 605,2 |
16 368,7 |
|
Visa International, of which: |
11 743,9 |
14 482,9 |
|
debit |
8 638,2 |
9 832,4 |
|
credit |
2 787,2 |
3 414,3 |
|
Debit cards with credit limit and prepaid |
318,5 |
1 236,3 |
|
MasterCard Worldwide, of which: |
1 822,1 |
1 850,2 |
|
debit |
1 685,8 |
1 689,2 |
|
credit |
74,4 |
87,3 |
|
Debit cards with credit limit and prepaid |
61,9 |
73,8 |
|
Number of card holders (thousand), of which: |
12 803,7 |
14 846,4 |
|
local systems |
633,3 |
734,6 |
|
international systems, of which: |
12 170,4 |
14 111,8 |
|
Visa International, of which: |
10 459,6 |
12 371,8 |
|
debit |
7 889,0 |
8 929,2 |
|
credit |
2 372,2 |
2 893,9 |
|
Debit cards with credit limit and prepaid |
198,4 |
548,7 |
|
MasterCard Worldwide, of which: |
1 673,8 |
1 706,5 |
|
debit |
1 540,7 |
1 548,9 |
|
credit |
71,9 |
84,6 |
|
Debit cards with credit limit and prepaid |
61,1 |
73,0 |
|
Number of used cards (thousand), of which: |
5 925,8 |
6 855,2 |
|
local systems |
422,2 |
512,0 |
|
international systems, of which: |
5 503,6 |
6 343,2 |
|
Visa International, of which: |
4 606,4 |
5 494,6 |
|
debit |
4 064,2 |
4 383,5 |
|
credit |
341,3 |
331,9 |
|
Debit cards with credit limit and prepaid |
200,8 |
779,3 |
|
MasterCard Worldwide, of which: |
881,3 |
831,0 |
|
debit |
814,6 |
751,4 |
|
credit |
34,5 |
32,9 |
|
Debit cards with credit limit and prepaid |
32,2 |
46,7 |
|
Number of POS - terminals (units), of which: |
40 333 |
58 167 |
|
commercial enterprises |
34 186 |
51 647 |
|
banks |
6 147 |
6 520 |
|
Numbers of imprinters (units), of which: |
168 |
168 |
|
commercial enterprises |
60 |
60 |
|
banks |
108 |
108 |
|
Number of ATM (units) , of which: |
8 812 |
8 813 |
|
with cash distribution function |
7 724 |
7 667 |
|
with cash reception and distribution functions |
1 088 |
1 146 |
|
Number of commercial enterprises (units) |
18 622 |
32 576 |
|
Number of bank’s booths (units) |
2 727 |
12 380 |
|
Table 2 |
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|
Specifications |
As of 01.09.14 |
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|
Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of used payment cards (thousand |
|||||||
|
debit |
credit |
others2 |
debit |
credit |
others |
debit |
credit |
others |
|
|
Total, incl. |
12 356,5 |
3 519,2 |
1 310,2 |
11 228,6 |
2 996,0 |
621,9 |
5 652,7 |
376,5 |
826,0 |
|
Akmola region |
359,1 |
3,5 |
8,7 |
336,2 |
3,3 |
7,8 |
196,1 |
1,3 |
5,3 |
|
Aktobe region |
630,8 |
6,0 |
8,5 |
583,8 |
5,8 |
6,4 |
303,5 |
2,5 |
4,9 |
|
Almaty region |
547,4 |
7,2 |
22,4 |
508,8 |
7,0 |
20,0 |
289,4 |
1,7 |
13,0 |
|
Atyrau region |
565,6 |
8,9 |
15,1 |
510,9 |
8,7 |
13,6 |
250,3 |
3,5 |
8,7 |
|
East Kazakhstan reg. |
1 006,5 |
14,0 |
18,2 |
895,1 |
13,6 |
13,2 |
484,9 |
4,2 |
12,4 |
|
Jambul region |
496,1 |
4,0 |
5,9 |
461,1 |
3,9 |
4,1 |
279,5 |
1,1 |
3,9 |
|
West Kazakhstan reg. |
427,7 |
6,4 |
6,5 |
385,1 |
6,3 |
5,0 |
194,2 |
2,2 |
3,9 |
|
Karaganda region |
1 035,0 |
11,0 |
28,7 |
935,0 |
10,9 |
21,1 |
550,6 |
4,3 |
17,7 |
|
Kostanai region |
531,2 |
4,6 |
6,4 |
472,2 |
4,5 |
4,8 |
277,3 |
2,2 |
3,6 |
|
Kyzylorda region |
434,8 |
4,2 |
6,2 |
394,6 |
4,1 |
5,4 |
226,2 |
1,1 |
3,5 |
|
Mangistau region |
514,9 |
6,9 |
15,8 |
466,2 |
6,7 |
14,8 |
244,1 |
2,2 |
9,5 |
|
Pavlodar region |
630,2 |
9,9 |
18,2 |
559,2 |
9,6 |
15,4 |
299,1 |
4,2 |
12,0 |
|
North Kazakhstan reg. |
296,7 |
2,7 |
5,8 |
273,0 |
2,7 |
4,0 |
160,1 |
1,0 |
3,8 |
|
South Kazakhstan reg. |
1 046,2 |
9,7 |
29,7 |
973,4 |
9,4 |
26,5 |
534,5 |
2,1 |
19,4 |
|
Almaty city |
2 862,5 |
3 403,0 |
1 086,6 |
2 584,1 |
2 882,9 |
437,5 |
940,9 |
334,4 |
688,6 |
|
Astana city |
971,7 |
17,2 |
27,4 |
889,8 |
16,6 |
22,4 |
422,0 |
8,5 |
15,7 |
|
Table 3 |
|||||
|
Specifications |
As of 01.09.14 |
||||
|
Number of POS-terminals |
Number of imprinters |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
|
|
Total, incl. |
58 167 |
168 |
8 813 |
32 576 |
12 380 |
|
Akmola region |
1 308 |
- |
299 |
689 |
448 |
|
Aktobe region |
2 255 |
5 |
462 |
1 071 |
762 |
|
Almaty region |
1 496 |
3 |
326 |
819 |
337 |
|
Atyrau region |
2 349 |
4 |
514 |
1 012 |
505 |
|
East Kazakhstan reg. |
3 394 |
17 |
705 |
1 730 |
1 194 |
|
Jambul region |
1 056 |
4 |
308 |
576 |
466 |
|
West Kazakhstan reg. |
1 917 |
5 |
339 |
983 |
538 |
|
Karaganda region |
4 764 |
11 |
795 |
2 991 |
1 314 |
|
Kostanai region |
3 323 |
6 |
367 |
1 978 |
798 |
|
Kyzylorda region |
733 |
3 |
245 |
315 |
367 |
|
Mangistau region |
1 871 |
5 |
459 |
1 002 |
326 |
|
Pavlodar region |
2 812 |
6 |
532 |
1 559 |
763 |
|
North Kazakhstan reg. |
1 516 |
2 |
273 |
776 |
624 |
|
South Kazakhstan reg. |
2 634 |
6 |
554 |
1 371 |
1 003 |
|
Almaty city |
19 607 |
80 |
1 734 |
11 704 |
2 035 |
|
Astana city |
7 132 |
11 |
901 |
4 000 |
900 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the country (the transactions with American Express International, Visa International, and MasterCards Worldwide that were distributed by commercial banks of Kazakhstan are not included)
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Table 4 |
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|
Specifications |
August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2013 |
||
|
Number of transactions (thousand) of which; |
4 322,3 |
13 110,5 |
|
local systems |
80,3 |
709,2 |
|
international systems, of which: |
4 242,1 |
12 401,4 |
|
Visa International |
3 328,3 |
9 705,8 |
|
MasterCard Worldwide |
582,4 |
1 936,2 |
|
Volume (mln.tenge), of which; |
76 093,3 |
470 428,4 |
|
local systems |
1 062,7 |
20 445,5 |
|
international systems, of which: |
75 030,6 |
449 982,8 |
|
Visa International |
55 641,9 |
348 547,5 |
|
MasterCard Worldwide |
9 277,2 |
66 318,4 |
|
2014 |
||
|
Number of transactions (thousand) of which; |
5 099,4 |
14 500,7 |
|
local systems |
84,5 |
880,0 |
|
international systems, of which: |
5 014,9 |
13 620,6 |
|
Visa International |
3 614,6 |
10 327,8 |
|
MasterCard Worldwide |
588,8 |
2 077,6 |
|
Volume (mln.tenge), of which; |
83 013,6 |
587 181,2 |
|
local systems |
1 223,0 |
27 360,2 |
|
international systems, of which: |
81 790,6 |
559 820,9 |
|
Visa International |
53 663,6 |
427 958,4 |
|
MasterCard Worldwide |
7 644,5 |
81 995,2 |
|
Dynamics (%) |
||
|
Number |
18,0% |
10,6% |
|
local systems |
5,2% |
24,1% |
|
international systems, of which: |
18,2% |
9,8% |
|
Visa International |
8,6% |
6,4% |
|
MasterCard Worldwide |
1,1% |
7,3% |
|
Volume |
9,1% |
24,8% |
|
local systems |
15,1% |
33,8% |
|
international systems, of which: |
9,0% |
24,4% |
|
Visa International |
-3,6% |
22,8% |
|
MasterCard Worldwide |
-17,6% |
23,6% |
Use of payment cards, issued by banks of Kazakhstan and foreign banks, on the territory of Kazakhstan, by regions (the transactions with American Express International, Visa International and MasterCards Worldwide that are distributed by commercial banks of Kazakhstan are included)
|
Table 5 |
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|
Specifications |
August |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 587,7 |
70 121,1 |
14 554,6 |
584 793,2 |
|
Akmola region |
41,6 |
1 257,2 |
464,4 |
15 320,7 |
|
Aktobe region |
126,4 |
2 508,2 |
768,2 |
28 324,9 |
|
Almaty region |
97,2 |
3 563,0 |
659,2 |
23 922,0 |
|
Atyrau region |
141,9 |
2 799,8 |
744,1 |
30 389,1 |
|
East Kazakhstan reg. |
161,9 |
2 021,2 |
1 191,6 |
41 119,3 |
|
Jambul region |
76,3 |
1 495,8 |
627,8 |
21 732,9 |
|
West Kazakhstan reg. |
92,4 |
3 205,9 |
532,0 |
18 475,6 |
|
Karaganda region |
184,5 |
2 271,5 |
1 317,6 |
47 571,3 |
|
Kostanai region |
454,7 |
1 496,5 |
634,9 |
22 175,7 |
|
Kyzylorda region |
105,1 |
1 126,8 |
477,5 |
19 752,5 |
|
Mangistau region |
144,5 |
2 429,3 |
666,3 |
35 004,8 |
|
Pavlodar region |
117,0 |
1 286,6 |
714,1 |
25 312,9 |
|
North Kazakhstan reg. |
50,8 |
690,4 |
401,0 |
12 537,4 |
|
South Kazakhstan reg. |
118,4 |
4 268,0 |
1 140,4 |
42 242,9 |
|
Almaty city |
2 041,4 |
30 251,4 |
2 736,3 |
136 065,4 |
|
Astana city |
633,8 |
9 449,7 |
1 479,0 |
64 845,7 |
