Version ¹97 on 01/09/2012
As of September 01, 2012 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 95.7%) 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 Citybank Kazakhstan – JSC “Citybank Kazakhstan”.
As of September 01, 2012 Banks have issued 11.4mln payment cards and a number of card holders reached 10.4mln (comparing the situation with the same date of 2011, there is a growth of 25,1% and 22,4% respectively).
The most widespread ones are the debit cards with the share of 81,7%, the share of credit cards - 16,7%. The share of debit cards with credit limit and of prepaid cards is 1,4% and 0,2% respectively.
In August 2012 the volume of transactions with credit cards issued by the Kazakhstani originators was 484,8 bln.tenge (growth against August 2011 has totaled 38,5%). The number of transactions reached 15,9mln and increased by 28,9% versus August 2011. At that, the number of payments and amount of the cashless payments went up to 31,3% (3,4mln transactions) and 28,8% (66,7bln tenge), operations with cash withdrawals 28,2% (12,5mln transactions) and 40,2%(418,1bln tenge) respectively.
The main bulk of cashless payments has been made through POS-terminals (47,1% and 65,7% out of the total number of payments and volume of cashless payments) and ATMs (39,8% and 22,8% respectively). Transactions of cash withdrawals have been realized mainly through ATMs (98,0% and 89,3% 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.
|
Table 1 |
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|
Specifications |
As of 01.09.11 |
As of 01.09.12 |
|
Total number of cards in circulation (thousand), of which: |
9 107,8 |
11 392,6 |
|
Visa International, of which: |
7 535,4 |
9 492,5 |
|
debit |
6 519,8 |
7 535,1 |
|
credit |
913,8 |
1 835,9 |
|
Debit cards with credit limit and prepaid |
101,8 |
121,6 |
|
MasterCard Worldwide, of which: |
1 315,4 |
1 386,4 |
|
debit |
1 208,6 |
1 272,5 |
|
credit |
56,9 |
51,3 |
|
Debit cards with credit limit and prepaid |
50,0 |
62,7 |
|
Number of card holders (thousand), of which: |
8 456,0 |
10 353,4 |
|
Visa International, of which: |
6 984,9 |
8 608,1 |
|
debit |
6 085,0 |
6 922,5 |
|
credit |
804,5 |
1 570,0 |
|
Debit cards with credit limit and prepaid |
95,3 |
115,7 |
|
MasterCard Worldwide, of which: |
1 226,5 |
1 277,9 |
|
debit |
1 121,5 |
1 167,6 |
|
credit |
55,6 |
48,3 |
|
Debit cards with credit limit and prepaid |
49,4 |
62,0 |
|
Number of used cards (thousand), of which: |
3 730,8 |
5 800,4 |
|
Visa International, of which: |
3 011,4 |
4 686,6 |
|
debit |
2 763,2 |
4 380,4 |
|
credit |
196,9 |
236,6 |
|
Debit cards with credit limit and prepaid |
51,3 |
69,7 |
|
MasterCard Worldwide, of which: |
602,4 |
752,2 |
|
debit |
537,9 |
694,8 |
|
credit |
33,0 |
25,7 |
|
Debit cards with credit limit and prepaid |
31,5 |
31,7 |
|
Number of POS - terminals (units), of which; |
27 409 |
30 420 |
|
commercial enterprises |
22 554 |
25 368 |
|
banks |
4 855 |
5 052 |
|
Numbers of imprinters (units), of which; |
615 |
222 |
|
commercial enterprises |
387 |
98 |
|
banks |
228 |
124 |
|
Number of ATM (units) , of which; |
7 873 |
8 458 |
|
with cash distribution function |
7 043 |
7 457 |
|
with cash reception and distribution functions |
830 |
1 001 |
|
Number of commercial enterprises (units) |
11 491 |
12 794 |
|
Number of bank’s booths (units) |
1 263 |
1 567 |
|
Table 2 |
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|
Specifications |
As of 01.09.12 |
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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. |
9 309,5 |
1 898,3 |
184,7 |
8 546,0 |
1 629,2 |
178,1 |
5 429,3 |
269,5 |
101,6 |
|
Akmola region |
303,2 |
2,2 |
6,7 |
284,6 |
2,0 |
6,6 |
212,6 |
0,7 |
3,8 |
|
Aktobe region |
539,1 |
4,4 |
5,0 |
509,2 |
4,3 |
4,9 |
305,8 |
1,5 |
2,3 |
|
Almaty region |
395,4 |
4,3 |
13,5 |
369,5 |
4,0 |
13,3 |
259,5 |
0,6 |
8,5 |
|
Atyrau region |
449,2 |
8,0 |
10,3 |
413,3 |
7,6 |
10,0 |
239,0 |
2,6 |
5,3 |
|
East Kazakhstan reg. |
798,4 |
11,7 |
10,6 |
716,8 |
11,1 |
10,0 |
468,3 |
2,5 |
6,6 |
|
Jambul region |
386,0 |
1,6 |
3,1 |
363,2 |
1,6 |
3,1 |
277,3 |
0,4 |
2,0 |
|
West Kazakhstan reg. |
339,1 |
5,0 |
4,8 |
309,8 |
4,8 |
4,7 |
196,0 |
1,4 |
2,1 |
|
Karaganda region |
882,4 |
9,8 |
16,6 |
800,8 |
9,5 |
15,4 |
547,3 |
2,6 |
9,0 |
|
Kostanai region |
408,4 |
3,1 |
3,8 |
386,5 |
3,0 |
3,8 |
263,6 |
1,0 |
1,7 |
|
Kyzylorda region |
347,1 |
1,4 |
5,2 |
321,3 |
1,3 |
5,1 |
230,1 |
0,6 |
2,7 |
|
Mangistau region |
421,3 |
5,7 |
14,4 |
384,2 |
5,5 |
14,2 |
245,0 |
1,6 |
7,5 |
|
Pavlodar region |
511,3 |
5,7 |
12,2 |
466,0 |
5,4 |
12,0 |
314,7 |
1,8 |
7,7 |
|
North Kazakhstan reg. |
236,0 |
2,2 |
3,8 |
221,8 |
2,0 |
3,7 |
157,0 |
0,4 |
1,8 |
|
South Kazakhstan reg. |
744,7 |
6,4 |
14,8 |
698,5 |
6,2 |
14,6 |
449,7 |
1,3 |
9,2 |
|
Almaty city |
1 803,3 |
1 809,1 |
47,4 |
1 615,5 |
1 544,1 |
44,8 |
870,5 |
242,7 |
25,7 |
|
Astana city |
744,7 |
17,6 |
12,4 |
685,1 |
16,8 |
12,1 |
393,0 |
7,8 |
5,8 |
|
Table 3 |
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|
Specifications |
As of 01.09.12 |
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|
Number of POS-terminals |
Number of imprinters |
Number of ATMs |
Number of commercial enterprises |
Number of bank’s booths |
|
|
Total, incl. |
30 420 |
222 |
8 458 |
12 794 |
1 567 |
|
Akmola region |
713 |
- |
299 |
368 |
53 |
|
Aktobe region |
1 349 |
5 |
469 |
472 |
91 |
|
Almaty region |
738 |
3 |
345 |
222 |
78 |
|
Atyrau region |
1 500 |
8 |
481 |
601 |
67 |
|
East Kazakhstan reg. |
1 796 |
17 |
691 |
765 |
126 |
|
Jambul region |
654 |
4 |
298 |
291 |
77 |
|
West Kazakhstan reg. |
1 069 |
5 |
318 |
382 |
67 |
|
Karaganda region |
1 960 |
11 |
755 |
766 |
196 |
|
Kostanai region |
1 030 |
6 |
355 |
404 |
60 |
|
Kyzylorda region |
432 |
3 |
240 |
188 |
47 |
|
Mangistau region |
1 195 |
5 |
421 |
521 |
74 |
|
Pavlodar region |
1 551 |
6 |
524 |
691 |
98 |
|
North Kazakhstan reg. |
764 |
2 |
258 |
356 |
52 |
|
South Kazakhstan reg. |
1 149 |
6 |
515 |
437 |
90 |
|
Almaty city |
10 274 |
126 |
1 641 |
4 312 |
260 |
|
Astana city |
4 246 |
15 |
848 |
2 018 |
131 |
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)
|
Table 4 |
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|
Specifications |
August |
|
|
Cashless payments |
Cash withdrawals |
|
|
2011 |
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|
Number of transactions (thousand) of which; |
2 616.0 |
9 722.2 |
|
Visa International |
2 010.7 |
7 925.9 |
|
MasterCard Worldwide |
433.9 |
1 219.0 |
|
Volume (mln.tenge), of which; |
51 806.4 |
298 288.3 |
|
Visa International |
35 603.5 |
240 478.6 |
|
MasterCard Worldwide |
11 609.8 |
34 421.6 |
|
2012 |
||
|
Number of transactions (thousand) of which; |
3 434,8 |
12 466,4 |
|
Visa International |
2 620,5 |
9 847,6 |
|
MasterCard Worldwide |
605,1 |
1 722,1 |
|
Volume (mln.tenge), of which; |
66 703,2 |
418 111,6 |
|
Visa International |
50 400,3 |
327 845,3 |
|
MasterCard Worldwide |
9 610,4 |
56 135,9 |
|
Dynamics (%) |
||
|
Number |
31,3% |
28,2% |
|
Visa International |
30,3% |
24,2% |
|
MasterCard Worldwide |
39,5% |
41,3% |
|
Volume |
28,8% |
40,2% |
|
Visa International |
41,6% |
36,3% |
|
MasterCard Worldwide |
-17,2% |
63,1% |
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 MasterCardsWorldwide 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. |
2 883,7 |
54 236,3 |
12 452,0 |
415 172,8 |
|
Akmola region |
32,1 |
1 401,1 |
458,4 |
12 619,8 |
|
Aktobe region |
101,7 |
2 739,3 |
688,9 |
21 297,5 |
|
Almaty region |
80,7 |
3 379,0 |
557,9 |
17 792,2 |
|
Atyrau region |
85,0 |
2 587,8 |
666,2 |
22 518,7 |
|
East Kazakhstan reg. |
146,8 |
1 425,5 |
1 069,0 |
31 920,1 |
|
Jambul region |
61,4 |
1 271,6 |
519,7 |
16 026,1 |
|
West Kazakhstan reg. |
76,4 |
1 735,3 |
462,6 |
13 600,7 |
|
Karaganda region |
130,9 |
1 947,7 |
1 224,0 |
37 183,2 |
|
Kostanai region |
450,7 |
1 374,2 |
546,2 |
16 425,4 |
|
Kyzylorda region |
93,1 |
1 787,5 |
435,7 |
15 195,0 |
|
Mangistau region |
107,9 |
3 551,5 |
625,9 |
25 335,7 |
|
Pavlodar region |
100,4 |
2 146,5 |
656,0 |
19 923,0 |
|
North Kazakhstan reg. |
32,0 |
513,2 |
351,7 |
9 361,5 |
|
South Kazakhstan reg. |
62,4 |
2 929,0 |
860,3 |
27 483,6 |
|
Almaty city |
986,7 |
19 241,5 |
2 168,6 |
87 501,8 |
|
Astana city |
335,4 |
6 205,7 |
1 160,9 |
40 988,8 |
