Version ¹113 on 01/01/2014
As of January 01, 2014 actual origination of the payment cards were mainly realized by 24 banks and JSC “Kazpost”. These institutes issue and distribute payment cards of the international systems (their share consists of 95,6%) like Visa International, Master Card, American Express International and China Union Pay. Beside Kazakhstani Banks 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 January 01, 2014 Banks have issued 16,5mln payment cards and a number of card holders reached 14,4mln (comparing the situation with the same date of 2013, there is a growth of 36,3% and 29,8% respectively).
The most widespread ones are the debit cards with the share of 69,2%, the share of credit cards - 21,0%. The share of debit cards with credit limit and of prepaid cards is 1,2% and 8,5% respectively.
In December 2013 the volume of transactions with credit cards issued by the Kazakhstani originators was 700,5bln. tenge (growth against December 2012 has totaled 18,8%). The number of transactions reached 22,0mln and increased by 17,1% versus December 2012. At that, the number of payments and amount of the cashless payments went up to 28,4% (number of transactions -5,56mln transactions) and 17,1% (the volume of transactions - 91,6bln. tenge), operations with cash withdrawals 13,8% (number of transactions -16,5mln transactions) and 19,0%( the volume of transactions - 609,0bln. tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (55,9% and 68,3% out of the total number of payments and volume of cashless payments) and ATMs (29,4% and 22,9% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (97,4% and 88,4% 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 01.01.13 |
As of 01.01.14 |
|
Total number of cards in circulation (thousand), of which: |
12 139,8 |
16 544,1 |
|
local systems |
558,0 |
732,8 |
|
international systems, of which: |
11 581,8 |
15 811,4 |
|
Visa International, of which: |
10 105,0 |
13 935,6 |
|
debit |
7 796,8 |
9 016,5 |
|
credit |
2 075,1 |
3 375,0 |
|
Debit cards with credit limit and prepaid |
233,1 |
1 544,1 |
|
MasterCard Worldwide, of which: |
1 449,7 |
1 834,9 |
|
debit |
1 341,3 |
1 682,4 |
|
credit |
49,5 |
85,0 |
|
Debit cards with credit limit and prepaid |
58,9 |
67,6 |
|
Number of card holders (thousand), of which: |
11 081,2 |
14 378,0 |
|
local systems |
516,2 |
680,6 |
|
international systems, of which: |
10 565,1 |
13 697,5 |
|
Visa International, of which: |
9 197,7 |
11 962,6 |
|
debit |
7 146,4 |
8 291,6 |
|
credit |
1 890,3 |
2 756,2 |
|
Debit cards with credit limit and prepaid |
161,0 |
914,8 |
|
MasterCard Worldwide, of which: |
1 341,8 |
1 695,9 |
|
debit |
1 237,0 |
1 546,6 |
|
credit |
46,5 |
82,4 |
|
Debit cards with credit limit and prepaid |
58,3 |
66,9 |
|
Number of used cards (thousand), of which: |
6 346,3 |
6 891,9 |
|
local systems |
430,7 |
477,1 |
|
international systems, of which: |
5 915,6 |
6 414,8 |
|
Visa International, of which: |
5 091,2 |
5 453,2 |
|
debit |
4 654,2 |
4 381,2 |
|
credit |
261,5 |
351,3 |
|
Debit cards with credit limit and prepaid |
175,5 |
720,7 |
|
MasterCard Worldwide, of which: |
807,8 |
943,1 |
|
debit |
755,8 |
872,0 |
|
credit |
25,0 |
33,9 |
|
Debit cards with credit limit and prepaid |
27,0 |
37,2 |
|
Number of POS - terminals (units), of which; |
33 318 |
46 432 |
|
commercial enterprises |
27 325 |
40 117 |
|
banks |
5 993 |
6 315 |
|
Numbers of imprinters (units), of which; |
202 |
168 |
|
commercial enterprises |
82 |
60 |
|
banks |
120 |
108 |
|
Number of ATM (units) , of which; |
8 652 |
8 965 |
|
with cash distribution function |
7 612 |
7 816 |
|
with cash reception and distribution functions |
1 040 |
1 149 |
|
Number of commercial enterprises (units) |
14 173 |
22 904 |
|
Number of bank’s booths (units) |
1 678 |
3 982 |
|
Table 2 |
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|
Specifications |
As of 01.01.14 |
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|
Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of used payment cards (thousand |
|||||||
|
debit |
credit |
others[1] |
debit |
credit |
others |
debit |
credit |
others |
|
|
Total, incl. |
11 455,2 |
3 477,1 |
1 611,8 |
10 540,6 |
2 855,5 |
981,9 |
5 737,7 |
396,2 |
758,0 |
|
Akmola region |
346,6 |
3,9 |
7,5 |
329,3 |
3,6 |
7,1 |
206,1 |
1,2 |
4,6 |
|
Aktobe region |
601,9 |
7,5 |
5,8 |
565,2 |
7,1 |
5,1 |
314,8 |
2,4 |
3,3 |
|
Almaty region |
495,4 |
8,1 |
17,3 |
465,9 |
7,5 |
16,6 |
283,7 |
2,2 |
10,8 |
|
Atyrau region |
530,0 |
11,7 |
12,7 |
486,6 |
11,0 |
12,2 |
251,4 |
3,8 |
6,7 |
|
East Kazakhstan reg. |
937,2 |
17,5 |
12,3 |
844,1 |
15,8 |
10,4 |
489,0 |
4,3 |
8,1 |
|
Jambul region |
460,1 |
5,4 |
3,7 |
434,9 |
5,1 |
3,4 |
281,4 |
1,3 |
2,4 |
|
West Kazakhstan reg. |
402,2 |
8,0 |
5,2 |
366,6 |
7,6 |
4,6 |
203,9 |
2,5 |
2,8 |
|
Karaganda region |
987,2 |
12,9 |
21,6 |
894,9 |
11,9 |
17,7 |
555,3 |
4,0 |
13,2 |
|
Kostanai region |
498,5 |
4,9 |
4,6 |
451,2 |
4,6 |
4,0 |
281,2 |
1,6 |
2,4 |
|
Kyzylorda region |
410,1 |
5,3 |
5,2 |
377,5 |
5,0 |
4,9 |
234,6 |
1,3 |
3,0 |
|
Mangistau region |
480,2 |
8,1 |
14,9 |
441,8 |
7,8 |
14,5 |
246,7 |
2,7 |
8,4 |
|
Pavlodar region |
592,7 |
10,1 |
15,2 |
537,7 |
9,2 |
13,9 |
306,5 |
3,4 |
9,5 |
|
North Kazakhstan reg. |
279,7 |
3,2 |
4,2 |
260,4 |
3,0 |
3,6 |
161,2 |
0,9 |
2,4 |
|
South Kazakhstan reg. |
963,5 |
10,9 |
21,7 |
902,5 |
10,4 |
21,0 |
532,1 |
2,7 |
14,0 |
|
Almaty city |
2 579,7 |
3 340,2 |
1 440,1 |
2 358,3 |
2 727,8 |
825,3 |
979,4 |
353,4 |
656,2 |
|
Astana city |
890,2 |
19,3 |
19,7 |
823,8 |
18,3 |
17,6 |
410,3 |
8,6 |
10,1 |
|
Table 3 |
|||||
|
Specifications |
As of 01.01.14 |
||||
|
Number of POS-terminals |
Number of imprinters |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
|
|
Total, incl. |
46 432 |
168 |
8 965 |
22 904 |
3 982 |
|
Akmola region |
1 119 |
- |
312 |
572 |
119 |
|
Aktobe region |
1 863 |
5 |
478 |
811 |
122 |
|
Almaty region |
1 361 |
3 |
355 |
654 |
184 |
|
Atyrau region |
2 115 |
4 |
521 |
871 |
94 |
|
East Kazakhstan reg. |
2 842 |
17 |
711 |
1 308 |
231 |
|
Jambul region |
881 |
4 |
319 |
433 |
89 |
|
West Kazakhstan reg. |
1 604 |
5 |
347 |
727 |
139 |
|
Karaganda region |
3 551 |
11 |
777 |
1 795 |
601 |
|
Kostanai region |
2 555 |
6 |
369 |
1 331 |
284 |
|
Kyzylorda region |
668 |
3 |
245 |
288 |
57 |
|
Mangistau region |
1 635 |
5 |
443 |
829 |
105 |
|
Pavlodar region |
2 216 |
6 |
555 |
1 091 |
270 |
|
North Kazakhstan reg. |
1 204 |
2 |
275 |
582 |
62 |
|
South Kazakhstan reg. |
2 367 |
6 |
560 |
1 156 |
487 |
|
Almaty city |
14 577 |
80 |
1 788 |
7 350 |
793 |
|
Astana city |
5 874 |
11 |
910 |
3 106 |
345 |
Use of payment cards, issued by the Kazakhstani banks, 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 |
December |
|
|
Cashless payments |
Cash withdrawals |
|
|
2012 |
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|
Number of transactions (thousand) of which; |
4 279,0 |
14 524,2 |
|
local systems |
83,6 |
601,9 |
|
international systems, of which: |
3 750,0 |
11 884,5 |
|
Visa International |
3 217,0 |
11 460,2 |
|
MasterCard Worldwide |
740,3 |
1 987,9 |
|
Volume (mln.tenge), of which; |
78 173,3 |
511 578,5 |
|
local systems |
1 619,1 |
16 611,9 |
|
international systems, of which: |
70 397,6 |
402 605,4 |
|
Visa International |
58 168,2 |
401 580,3 |
|
MasterCard Worldwide |
11 353,1 |
68 525,4 |
|
2013 |
||
|
Number of transactions (thousand) of which; |
5 493,6 |
16 523,6 |
|
local systems |
104,9 |
871,9 |
|
international systems, of which: |
5 388,7 |
15 651,6 |
|
Visa International |
4 274,1 |
12 365,8 |
|
MasterCard Worldwide |
717,5 |
2 335,8 |
|
Volume (mln.tenge), of which; |
91 572,6 |
608 972,4 |
|
local systems |
2 025,8 |
27 390,7 |
|
international systems, of which: |
89 546,9 |
581 581,6 |
|
Visa International |
70 277,6 |
457 059,3 |
|
MasterCard Worldwide |
9 906,1 |
81 587,3 |
|
Dynamics (%) |
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|
Number |
28,4% |
13,8% |
|
local systems |
25,5% |
44,9% |
|
international systems, of which: |
43,7% |
31,7% |
|
Visa International |
32,9% |
7,9% |
|
MasterCard Worldwide |
-3,1% |
17,5% |
|
Volume |
17,1% |
19,0% |
|
local systems |
25,1% |
64,9% |
|
international systems, of which: |
27,2% |
44,5% |
|
Visa International |
20,8% |
13,8% |
|
MasterCard Worldwide |
-12,7% |
19,1% |
Use of payment cards, issued by Kazakhstani 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 |
December |
|||
|
Cashless payments |
Cash withdrawals |
|||
|
Number of transactions (thousand) |
Amount (mln.tenge) |
Number of transactions (thousand) |
Amount (mln.tenge) |
|
|
Total, incl. |
4 823,2 |
80 271,3 |
16 424,8 |
603 882,4 |
|
Akmola region |
47,3 |
1 237,0 |
561,1 |
17 481,6 |
|
Aktobe region |
157,4 |
4 309,0 |
913,2 |
33 425,8 |
|
Almaty region |
101,8 |
3 265,8 |
713,0 |
24 569,7 |
|
Atyrau region |
142,8 |
3 625,4 |
814,5 |
30 201,9 |
|
East Kazakhstan reg. |
182,7 |
2 514,3 |
1 324,6 |
43 059,3 |
|
Jambul region |
85,9 |
2 082,1 |
704,0 |
22 667,6 |
|
West Kazakhstan reg. |
111,9 |
1 975,2 |
617,5 |
19 701,7 |
|
Karaganda region |
202,1 |
2 730,1 |
1 498,7 |
49 081,4 |
|
Kostanai region |
477,5 |
2 022,5 |
715,0 |
23 452,5 |
|
Kyzylorda region |
128,7 |
2 034,2 |
575,8 |
21 322,3 |
|
Mangistau region |
170,3 |
3 838,3 |
748,1 |
36 421,9 |
|
Pavlodar region |
127,7 |
3 134,3 |
811,8 |
27 778,0 |
|
North Kazakhstan reg. |
53,4 |
745,5 |
452,0 |
13 005,8 |
|
South Kazakhstan reg. |
127,7 |
4 723,3 |
1 222,9 |
41 672,0 |
|
Almaty city |
2 039,8 |
30 558,6 |
3 069,9 |
130 626,4 |
|
Astana city |
666,0 |
11 475,8 |
1 682,9 |
69 414,8 |
