Version ¹69 on 01/08/2009
As of August 1, 2009, 19 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» and JSC «ATF Bank»; SmartAlemCard – by JSC «ВТА Bank»; TemirCard – by JSC «Темirbаnк», JSC «Citybank Kazakhstan» and JSC «Tsesnabank». 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 August 1, 2009, the number of cards, issued by banks of Kazakhstan, was 7.1 million, the number of card holders was 6.7 million (growth - by 8.2% and 8.2% 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 August 1, 2008 this ratio was 96.8% and 3.2% correspondingly.
In July 2009 the value of transactions using payment cards issued by banks of Kazakhstan was KZT 234.0 billion (15.7% growth in comparison with the same period of the previous year). In July 2009 volume of transactions was 10.0 million transactions (growth - by 15.3% in comparison with the same period of the last year).
Growth of the volume and value of non-cash payments has made 25.1 % (1.8 million transactions) and 24.1 % (29.9 billion tenge), and of the volume and value of operations on cash withdrawal - 13.4 % (8.2 million transactions) and 14.5 % (204.1 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 August 1, 2008 |
As of August 1, 2009 |
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Total number of cards in circulation (thousand), of which: |
6574.3 |
7 115.4 |
|
- local systems |
212.7 |
149.0 |
|
- international systems, of which: |
6361.5 |
6 966.4 |
|
Visa International |
5060.2 |
5 577.8 |
|
Europay International |
1297.6 |
1 381.3 |
|
Number of card holders (thousand), of which: |
6154.4 |
6 659.3 |
|
- local systems |
167.6 |
141.2 |
|
- international systems, of which: |
5986.8 |
6 518.1 |
|
Visa International |
4747.3 |
5 182.4 |
|
Europay International |
1236.0 |
1 328.6 |
|
Number of the used payment cards (thousand),of which: |
2862.2 |
3 287.0 |
|
- local systems |
72.6 |
86.8 |
|
- international systems, of which: |
2789.5 |
3 200.2 |
|
Visa International |
2190.1 |
2 486.6 |
|
Europay International |
598.0 |
710.4 |
|
Number of POS-terminals, of which: |
18 341 |
21 794 |
|
- at business enterprises |
14 706 |
17 453 |
|
- in banks |
3 635 |
4 341 |
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Number of imprinters, of which: |
1 003 |
861 |
|
- at business enterprises |
576 |
468 |
|
- in banks |
427 |
393 |
|
Number of ATMs |
5 693 |
6 774 |
|
Number of business enterprises |
8 230 |
9 700 |
|
Average monthly balance on card accounts (mln.KZT) |
105 764.3 |
116 778.0 |
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Table 2 |
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Figures |
As of August 1, 2009 |
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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 |
7 105.3 |
6 542.2 |
3 283.7 |
|
Akmola |
220.9 |
209.1 |
123.7 |
|
Aktubinsk |
381.5 |
359.8 |
193.1 |
|
Almaty |
227.8 |
216.8 |
112.4 |
|
Atyrau |
351.2 |
321.3 |
169.4 |
|
East Kazakhstan |
580.9 |
550.5 |
304.9 |
|
Jambul |
270.0 |
262.6 |
154.2 |
|
West Kazakhstan |
239.2 |
222.2 |
111.7 |
|
Karaganda |
751.0 |
706.9 |
365.0 |
|
Kostanai |
262.9 |
247.9 |
143.7 |
|
Kyzylorda |
236.6 |
225.8 |
133.2 |
|
Mangistau |
351.2 |
306.7 |
162.6 |
|
Pavlodar |
380.5 |
354.3 |
198.6 |
|
North Kazakhstan |
174.0 |
164.1 |
90.4 |
|
South Kazakhstan |
458.3 |
430.2 |
204.0 |
|
Almaty (city) |
1 683.3 |
1 481.2 |
587.0 |
|
Astana (city) |
536.0 |
482.9 |
229.7 |
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Table 3 |
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|
Figures |
As of August 1, 2009 |
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|
Number of POS-terminals |
Number of imprinters |
Number of ATMs |
Number of business enterprises |
|
|
Total on the Republic |
21 794 |
861 |
6 774 |
9 700 |
|
Akmola |
539 |
4 |
225 |
274 |
|
Aktubinsk |
1 191 |
18 |
378 |
456 |
|
Almaty |
493 |
9 |
272 |
142 |
|
Atyrau |
1 082 |
48 |
387 |
476 |
|
East Kazakhstan |
1 535 |
27 |
559 |
719 |
|
Jambul |
550 |
6 |
244 |
243 |
|
West Kazakhstan |
819 |
19 |
246 |
303 |
|
Karaganda |
1 661 |
26 |
613 |
686 |
|
Kostanai |
746 |
20 |
289 |
318 |
|
Kyzylorda |
396 |
6 |
197 |
202 |
|
Mangistau |
785 |
17 |
326 |
397 |
|
Pavlodar |
1 217 |
13 |
423 |
548 |
|
North Kazakhstan |
593 |
8 |
195 |
279 |
|
South Kazakhstan |
1 103 |
17 |
417 |
454 |
|
Almaty (city) |
6 396 |
532 |
1 370 |
2 822 |
|
Astana (city) |
2 688 |
91 |
633 |
1 381 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the territory of Kazakhstan, in July 2009 (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 |
July |
|
|
Non cash payments |
Withdrawals of cash |
|
|
2008 |
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Volume of payments (thousand), of which: |
1 432.9 |
7 261.7 |
|
- local systems |
33.6 |
225.2 |
|
- international systems, of which: |
1 399.3 |
7 036.5 |
|
Visa International |
1 107.9 |
5 600.3 |
|
Europay International |
291.1 |
1 433.4 |
|
Value of payments (mln.KZT), of which: |
24 075.4 |
178 250.1 |
|
- local systems |
454.2 |
5682.2 |
|
- international systems, of which: |
23 621.2 |
172 567.9 |
|
Visa International |
19 440.8 |
141 912.3 |
|
Europay International |
4 173.8 |
30 585.6 |
|
2009 |
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|
Volume of payments (thousand), of which: |
1 793.1 |
8 235.2 |
|
- local systems |
39.5 |
212.7 |
|
- international systems, of which: |
1 753.6 |
8 022.5 |
|
Visa International |
1 398.5 |
6 348.2 |
|
Europay International |
354.4 |
1 670.6 |
|
Value of payments (mln.KZT), of which: |
29 868.7 |
204 145.5 |
|
- local systems |
561.0 |
5 246.0 |
|
- international systems, of which: |
29 307.8 |
198 899.5 |
|
Visa International |
26 093.5 |
161 540.5 |
|
Europay International |
3 187.8 |
37 261.2 |
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Dynamics in % |
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Volume of payments, of which: |
25.1% |
13.4% |
|
- local systems |
17.6% |
-5.6% |
|
- international systems, of which: |
25.3% |
14.0% |
|
Visa International |
26.2% |
13.4% |
|
Europay International |
21.7% |
16.5% |
|
Value of payments, of which: |
24.1% |
14.5% |
|
- local systems |
23.5% |
-7.7% |
|
- international systems, of which: |
24.1% |
15.3% |
|
Visa International |
34.2% |
13.8% |
|
Europay International |
-23.6% |
21.8% |
Use of payment cards, issued by the banks of Kazakhstan and foreign banks, in the territory of Kazakhstan, in July 2009 (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 |
July |
|||
|
Non cash payments |
Withdrawals of cash |
|||
|
Volume of payments (thousand) |
Value of payments (mln.KZT) |
Volume of payments (thousand) |
Value of payments (mln.KZT) |
|
|
Total on the Republic |
1 685.6 |
25 997.7 |
8 210.9 |
201 275.5 |
|
Akmola |
23.6 |
711.1 |
292.2 |
5 763.5 |
|
Aktubinsk |
46.7 |
1 381.0 |
457.8 |
10 562.1 |
|
Almaty |
48.7 |
477.3 |
285.8 |
6 477.3 |
|
Atyrau |
45.1 |
1 016.2 |
468.4 |
12 041.9 |
|
East Kazakhstan |
128.4 |
534.9 |
730.4 |
14 779.5 |
|
Jambul |
34.9 |
485.7 |
338.2 |
7 249.5 |
|
West Kazakhstan |
59.0 |
1 943.2 |
313.2 |
6 644.3 |
|
Karaganda |
71.2 |
1 351.5 |
842.7 |
16 839.6 |
|
Kostanai |
44.2 |
984.2 |
307.2 |
6 487.0 |
|
Kyzylorda |
71.7 |
590.1 |
259.7 |
6 349.4 |
|
Mangistau |
50.7 |
3 828.0 |
455.0 |
13 844.8 |
|
Pavlodar |
74.8 |
1 045.4 |
408.1 |
8 094.5 |
|
North Kazakhstan |
38.9 |
872.2 |
244.0 |
4 658.1 |
|
South Kazakhstan |
35.9 |
1 123.6 |
455.3 |
10 818.6 |
|
Almaty (city) |
744.3 |
6 804.8 |
1 586.8 |
50 776.7 |
|
Astana (city) |
167.5 |
2 848.4 |
766.2 |
19 888.7 |
