Version ¹75 on 01/02/2010
As of February 1, 2010, 21 second-tier banks and JSC «Kazpost» realise issue of payment cards. Second-tier banks issue payment cards of local systems: Altyn card – by JSC «Halyk Bank of Kazakhstan»; SmartAlemCard – by JSC «ВТА Bank»; TemirCard – by JSC «Темirbаnк»; SityCard - by JSC «Citybank Kazakhstan». Also commercial banks of Kazakhstan issue and distribute payment cards of international systems: VISA International, Europay International, American Express International, China Union Pay and Diners Club International.
As of February 1, 2010, the number of cards, issued by banks of Kazakhstan, was 7.7 million, the number of card holders was 7.2 million (growth - by 7.9% and 8.1% respectively, in comparison with the same period of the last year)[1]. As the most widespread cards, the cards of international payment systems have the share of 97.9% and the local cards – 2.1% respectively. As of February 1, 2009 this ratio was 97.4% and 2.6% correspondingly.
In January 2010 the value of transactions using payment cards issued by banks of Kazakhstan was KZT 194.2 billion (22.4% growth in comparison with the same period of the previous year). In January 2010 volume of transactions was 8.4 million transactions (growth - by 18.0% in comparison with the same period of the last year).
Growth of the volume and value of non-cash payments has made 27.2 % (1.6 million transactions) and 32.4 % (23.3 billion tenge), and of the volume and value of operations on cash withdrawal - 16.1 % (6.8 million transactions) and 21.2 % (170.9 billion tenge) accordingly.
More detailed data on development of Kazakhstan payment cards market are submitted in Tables 1 - 5.
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Table 1 |
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Figures |
As of February 1, 2009 |
As of February 1, 2010 |
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Total number of cards in circulation (thousand), of which: |
7 128.6 |
7 691.6 |
|
- local systems |
182.8 |
159.5 |
|
- international systems, of which: |
6 945.8 |
7 532.1 |
|
Visa International |
5 536.9 |
6 130.3 |
|
Europay International |
1 402.4 |
1 393.7 |
|
Number of card holders (thousand), of which: |
6 678.1 |
7 215.9 |
|
- local systems |
170.0 |
151.6 |
|
- international systems, of which: |
6 508.1 |
7 064.3 |
|
Visa International |
5 181.0 |
5 714.9 |
|
Europay International |
1 320.9 |
1 341.4 |
|
Number of the used payment cards (thousand),of which: |
2 850.3 |
3 411.3 |
|
- local systems |
82.1 |
80.5 |
|
- international systems, of which: |
2 768.2 |
3 330.9 |
|
Visa International |
2 149.8 |
2 651.8 |
|
Europay International |
615.7 |
675.2 |
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Number of POS-terminals, of which: |
20 734 |
23 007 |
|
- at business enterprises |
16 515 |
18 564 |
|
- in banks |
4 219 |
4 443 |
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Number of imprinters, of which: |
882 |
814 |
|
- at business enterprises |
478 |
434 |
|
- in banks |
404 |
380 |
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Number of ATMs |
6 236 |
7 046 |
|
Number of business enterprises |
9 068 |
10 097 |
|
Monthly balances on which the transactions using payment cards (mln.KZT) |
100 930.9 |
117 432.6 |
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Table 2 |
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Figures |
As of February 1, 2010 |
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Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of the used payment cards (thousand) |
|
|
Total on the Republic |
7 683.2 |
7 103.9 |
3 407.0 |
|
Akmola |
240.8 |
229.6 |
129.1 |
|
Aktubinsk |
415.1 |
393.3 |
189.2 |
|
Almaty |
253.9 |
243.5 |
121.2 |
|
Atyrau |
377.2 |
345.5 |
167.1 |
|
East Kazakhstan |
604.5 |
572.1 |
297.4 |
|
Jambul |
292.0 |
284.4 |
161.4 |
|
West Kazakhstan |
267.9 |
249.9 |
114.4 |
|
Karaganda |
795.9 |
750.3 |
372.9 |
|
Kostanai |
288.4 |
274.9 |
148.3 |
|
Kyzylorda |
263.7 |
252.9 |
149.3 |
|
Mangistau |
377.0 |
339.2 |
159.6 |
|
Pavlodar |
412.0 |
386.4 |
209.2 |
|
North Kazakhstan |
191.2 |
182.3 |
95.1 |
|
South Kazakhstan |
503.6 |
480.9 |
229.3 |
|
Almaty (city) |
1 821.5 |
1 594.5 |
631.6 |
|
Astana (city) |
578.6 |
524.3 |
231.8 |
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Table 3 |
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Figures |
As of February 1, 2010 |
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Number of POS-terminals |
Number of imprinters |
Number of ATMs |
Number of business enterprises |
|
|
Total on the Republic |
23 007 |
814 |
7 046 |
10 097 |
|
Akmola |
553 |
4 |
248 |
288 |
|
Aktubinsk |
1 330 |
13 |
394 |
442 |
|
Almaty |
500 |
9 |
282 |
151 |
|
Atyrau |
1 123 |
47 |
404 |
486 |
|
East Kazakhstan |
1 589 |
27 |
574 |
769 |
|
Jambul |
575 |
6 |
255 |
264 |
|
West Kazakhstan |
829 |
19 |
261 |
319 |
|
Karaganda |
1 728 |
23 |
631 |
698 |
|
Kostanai |
772 |
19 |
293 |
321 |
|
Kyzylorda |
383 |
5 |
203 |
195 |
|
Mangistau |
831 |
17 |
357 |
412 |
|
Pavlodar |
1 198 |
13 |
440 |
557 |
|
North Kazakhstan |
613 |
8 |
208 |
283 |
|
South Kazakhstan |
1 055 |
14 |
449 |
431 |
|
Almaty (city) |
7 002 |
509 |
1 375 |
2 991 |
|
Astana (city) |
2 926 |
81 |
672 |
1 490 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the territory of Kazakhstan, in January 2010 (the transactions with American Express International, Diners Club International, Visa International and Europay International payment cards that are distributed by commercial banks of Kazakhstan are not included)
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Table 4 |
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Figures |
January |
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|
Non cash payments |
Withdrawals of cash |
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|
2009 |
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Volume of payments (thousand), of which: |
1 260.8 |
5 861.8 |
|
- local systems |
26.2 |
163.4 |
|
- international systems, of which: |
1 234.6 |
5 698.4 |
|
Visa International |
990.3 |
4 521.9 |
|
Europay International |
243.4 |
1 172.1 |
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Value of payments (mln.KZT), of which: |
17 580.8 |
141 061.0 |
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- local systems |
328.4 |
3 801.5 |
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- international systems, of which: |
17 252.4 |
137 259.6 |
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Visa International |
13 547.6 |
112 466.1 |
|
Europay International |
3 692.6 |
24 688.7 |
|
2010 |
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Volume of payments (thousand), of which: |
1 603.6 |
6 804.3 |
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- local systems |
31.6 |
160.8 |
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- international systems, of which: |
1 572.0 |
6 643.5 |
|
Visa International |
1 278.1 |
5 326.8 |
|
Europay International |
292.4 |
1 312.1 |
|
Value of payments (mln.KZT), of which: |
23 270.5 |
170 926.2 |
|
- local systems |
462.3 |
4 096.9 |
|
- international systems, of which: |
22 808.2 |
166 829.3 |
|
Visa International |
20 861.6 |
137 799.9 |
|
Europay International |
1 906.2 |
28 889.6 |
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Dynamics in % |
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Volume of payments, of which: |
27.2% |
16.1% |
|
- local systems |
20.6% |
-1.6% |
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- international systems, of which: |
27.3% |
16.6% |
|
Visa International |
29.1% |
17.8% |
|
Europay International |
20.1% |
11.9% |
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Value of payments, of which: |
32.4% |
21.2% |
|
- local systems |
40.8% |
7.8% |
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- international systems, of which: |
32.2% |
21.5% |
|
Visa International |
54.0% |
22.5% |
|
Europay International |
-48.4% |
17.0% |
Use of payment cards, issued by the banks of Kazakhstan and foreign banks, in the territory of Kazakhstan, in January 2010 (the transactions with American Express International, Diners Club International, Visa International and Europay International payment cards that are distributed by commercial banks of Kazakhstan are included)
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Table 5 |
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Figures |
January |
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|
Non cash payments |
Withdrawals of cash |
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Volume of payments (thousand) |
Value of payments (mln.KZT) |
Volume of payments (thousand) |
Value of payments (mln.KZT) |
|
|
Total on the Republic |
1 460.2 |
18 686.0 |
6 710.6 |
167 074.2 |
|
Akmola |
15.9 |
466.5 |
211.5 |
4 202.6 |
|
Aktubinsk |
39.6 |
772.2 |
369.0 |
8 652.5 |
|
Almaty |
32.2 |
384.7 |
202.7 |
4 384.2 |
|
Atyrau |
38.7 |
1 295.5 |
376.0 |
9 496.3 |
|
East Kazakhstan |
107.1 |
512.9 |
619.6 |
12 803.0 |
|
Jambul |
25.2 |
393.2 |
252.6 |
5 507.6 |
|
West Kazakhstan |
47.9 |
1 222.6 |
242.2 |
5 593.1 |
|
Karaganda |
60.3 |
1 224.4 |
725.2 |
14 809.0 |
|
Kostanai |
33.0 |
455.3 |
282.5 |
6 064.2 |
|
Kyzylorda |
50.2 |
561.9 |
188.8 |
4 728.8 |
|
Mangistau |
47.6 |
837.4 |
364.4 |
11 120.8 |
|
Pavlodar |
65.1 |
822.1 |
364.5 |
7 915.7 |
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North Kazakhstan |
27.6 |
504.6 |
175.5 |
3 362.1 |
|
South Kazakhstan |
28.0 |
800.1 |
365.9 |
8 640.7 |
|
Almaty (city) |
686.3 |
6 224.3 |
1 341.5 |
43 157.9 |
|
Astana (city) |
155.4 |
2 208.4 |
628.6 |
16 635.6 |
