Version ¹68 on 01/06/2009
As of June 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 June 1, 2009, the number of cards, issued by banks of Kazakhstan, was 7.0 million, the number of card holders was 6.6 million (growth - by 10.7% and 11.5% 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 June 1, 2008 this ratio was 96.6% and 3.4% correspondingly.
In May 2009 the value of transactions using payment cards issued by banks of Kazakhstan was KZT 200.8 billion (10.7% growth in comparison with the same period of the previous year). In May 2009 volume of transactions was 9.4 million transactions (growth - by 9.2% in comparison with the same period of the last year).
Growth of the volume and value of non-cash payments has made 7.9 % (1.6 million transactions) and 0.8 % (20.3 billion tenge), and of the volume and value of operations on cash withdrawal - 9.5 % (7.9 million transactions) and 12.0 % (180.5 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 June 1, 2008 |
As of June 1, 2009 |
|
Total number of cards in circulation (thousand), of which: |
6 301.8 |
6 979.2 |
|
- local systems |
216.6 |
146.3 |
|
- international systems, of which: |
6 085.2 |
6 832.9 |
|
Visa International |
4 822.8 |
5 457.9 |
|
Europay International |
1 259.2 |
1 368.2 |
|
Number of card holders (thousand), of which: |
5 889.9 |
6 566.7 |
|
- local systems |
168.4 |
138.5 |
|
- international systems, of which: |
5 721.5 |
6 427.2 |
|
Visa International |
4 510.0 |
5 103.0 |
|
Europay International |
1 208.5 |
1 317.6 |
|
Number of the used payment cards (thousand),of which: |
2 937.7 |
3 299.2 |
|
- local systems |
76.2 |
91.1 |
|
- international systems, of which: |
2 861.4 |
3 208.2 |
|
Visa International |
2 224.3 |
2 475.3 |
|
Europay International |
635.8 |
729.4 |
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Number of POS-terminals, of which: |
17 741 |
21 496 |
|
- at business enterprises |
14 154 |
17 175 |
|
- in banks |
3 587 |
4 321 |
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Number of imprinters, of which: |
1 024 |
883 |
|
- at business enterprises |
580 |
479 |
|
- in banks |
444 |
404 |
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Number of ATMs |
5 503 |
6 703 |
|
Number of business enterprises |
7 938 |
9 502 |
|
Average monthly balance on card accounts (mln.KZT) |
90 697.1 |
104 433.1 |
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Table 2 |
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Figures |
As of June 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 |
6 967.2 |
6 446.9 |
3 296.1 |
|
Akmola |
217.5 |
204.9 |
124.4 |
|
Aktubinsk |
371.0 |
348.7 |
195.9 |
|
Almaty |
221.8 |
211.2 |
112.9 |
|
Atyrau |
341.2 |
311.3 |
165.2 |
|
East Kazakhstan |
574.0 |
541.2 |
303.9 |
|
Jambul |
263.2 |
255.6 |
156.1 |
|
West Kazakhstan |
235.5 |
219.7 |
119.9 |
|
Karaganda |
732.1 |
682.8 |
362.4 |
|
Kostanai |
257.8 |
244.7 |
142.3 |
|
Kyzylorda |
230.0 |
221.2 |
135.9 |
|
Mangistau |
341.2 |
300.3 |
164.9 |
|
Pavlodar |
374.2 |
350.2 |
200.3 |
|
North Kazakhstan |
169.8 |
160.5 |
90.0 |
|
South Kazakhstan |
448.3 |
427.5 |
211.4 |
|
Almaty (city) |
1 658.0 |
1 488.2 |
587.3 |
|
Astana (city) |
531.7 |
478.7 |
223.3 |
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Table 3 |
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Figures |
As of June 1, 2009 |
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|
Number of POS-terminals |
Number of imprinters |
Number of ATMs |
Number of business enterprises |
|
|
Total on the Republic |
21 496 |
883 |
6 703 |
9 502 |
|
Akmola |
543 |
4 |
230 |
280 |
|
Aktubinsk |
1 154 |
21 |
377 |
461 |
|
Almaty |
482 |
9 |
270 |
141 |
|
Atyrau |
1 029 |
51 |
378 |
455 |
|
East Kazakhstan |
1 514 |
28 |
559 |
700 |
|
Jambul |
536 |
6 |
240 |
235 |
|
West Kazakhstan |
828 |
18 |
247 |
294 |
|
Karaganda |
1 691 |
27 |
599 |
696 |
|
Kostanai |
717 |
20 |
281 |
295 |
|
Kyzylorda |
396 |
6 |
194 |
203 |
|
Mangistau |
778 |
18 |
311 |
394 |
|
Pavlodar |
1 231 |
14 |
421 |
543 |
|
North Kazakhstan |
590 |
9 |
194 |
279 |
|
South Kazakhstan |
1 095 |
18 |
403 |
444 |
|
Almaty (city) |
6 253 |
540 |
1 365 |
2 697 |
|
Astana (city) |
2 659 |
94 |
634 |
1 385 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the territory of Kazakhstan, in May 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 |
May |
|
|
Non cash payments |
Withdrawals of cash |
|
|
2008 |
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Volume of payments (thousand), of which: |
1 441.6 |
7 175.2 |
|
- local systems |
36.9 |
227.3 |
|
- international systems, of which: |
1 404.7 |
6 947.9 |
|
Visa International |
1 097.1 |
5 449.3 |
|
Europay International |
307.0 |
1 492.5 |
|
Value of payments (mln.KZT), of which: |
20 119.2 |
161 240.6 |
|
- local systems |
469.0 |
4 913.0 |
|
- international systems, of which: |
19 650.3 |
156 327.6 |
|
Visa International |
16 414.9 |
126 689.2 |
|
Europay International |
3 227.7 |
29 527.7 |
|
2009 |
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|
Volume of payments (thousand), of which: |
1 555.2 |
7 857.8 |
|
- local systems |
36.1 |
215.8 |
|
- international systems, of which: |
1 519.1 |
7 642.1 |
|
Visa International |
1 208.4 |
6 019.2 |
|
Europay International |
309.3 |
1 616.1 |
|
Value of payments (mln.KZT), of which: |
20 285.1 |
180 528.4 |
|
- local systems |
427.9 |
5 081.5 |
|
- international systems, of which: |
19 857.1 |
175 446.9 |
|
Visa International |
17 052.3 |
141 946.7 |
|
Europay International |
2 770.9 |
33 321.2 |
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Dynamics in % |
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|
Volume of payments, of which: |
7.9% |
9.5% |
|
- local systems |
-2.2% |
-5.1% |
|
- international systems, of which: |
8.1% |
10.0% |
|
Visa International |
10.1% |
10.5% |
|
Europay International |
0.7% |
8.3% |
|
Value of payments, of which: |
0.8% |
12.0% |
|
- local systems |
-8.8% |
3.4% |
|
- international systems, of which: |
1.1% |
12.2% |
|
Visa International |
3.9% |
12.0% |
|
Europay International |
-14.2% |
12.8% |
Use of payment cards, issued by the banks of Kazakhstan and foreign banks, in the territory of Kazakhstan, in May 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 |
May |
|||
|
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 |
1 469.5 |
18 609.0 |
8 561.0 |
185 342.0 |
|
Akmola |
15.7 |
927.9 |
247.0 |
4 682.5 |
|
Aktubinsk |
40.9 |
926.3 |
513.4 |
10 451.5 |
|
Almaty |
41.1 |
193.6 |
253.5 |
5 685.6 |
|
Atyrau |
39.0 |
734.7 |
423.9 |
10 689.8 |
|
East Kazakhstan |
119.6 |
309.1 |
702.4 |
13 789.9 |
|
Jambul |
25.6 |
203.4 |
341.8 |
6 624.3 |
|
West Kazakhstan |
63.8 |
2 512.2 |
319.5 |
6 195.5 |
|
Karaganda |
69.5 |
800.5 |
813.3 |
15 248.6 |
|
Kostanai |
38.0 |
738.9 |
550.9 |
8 956.8 |
|
Kyzylorda |
70.4 |
261.6 |
254.9 |
5 934.2 |
|
Mangistau |
35.0 |
794.1 |
441.5 |
12 004.3 |
|
Pavlodar |
72.8 |
1057.8 |
629.0 |
9 945.0 |
|
North Kazakhstan |
33.6 |
648.6 |
227.2 |
4 157.5 |
|
South Kazakhstan |
28.9 |
748.1 |
444.3 |
10 232.3 |
|
Almaty (city) |
631.0 |
5 921.8 |
1 663.8 |
43 295.4 |
|
Astana (city) |
144.5 |
1 830.4 |
734.7 |
17 448.6 |
