Version ¹16 on 01/02/2005
As of February 1, 2005, license on the issue of payment cards was given to 21 of second-tier banks and JSC «Kazpost», practically issue of payment cards realise only 19 banks. Second-tier banks issue payment cards of local systems: Altyn card – by JSC «Halyk Bank of Kazakhstan» and JSC «ATF Bank»; SmartAlemCard – by JSC «Bank TuranAlem»; DUET card – by OJSC «Valut-Tranzit Bank»; cards of JSC «Caspian Bank», CJSC «Citybank Kazakhstan» and JSC «Tsesnabank», as well as international system cards - VISA International and Europay International. Also commercial banks of Kazakhstan distribute payment cards of international systems: American Express International – by JSC «Kazkommertsbank», JSC «ATF Bank», JSC «Bank TuranAlem», JSC «Temirbank», JSC «Halyk Bank of Kazakhstan», OJSC «Bank CenterCredit», OJSC «Nurbank», OJSC «Texakabank»; Diners Club International – by JSC «Kazkommertsbank» and Europay International – by OJSC SB «Alfa-bank».
As of February 1, 2005, the number of cards, issued by banks of Kazakhstan, was 2.42 million, the number of card holders was 2.33 million (growth - by 28.0% and 25.6% respectively, in comparison with relevant figures of the last year)[1]. As the most widespread cards, the cards of international payment systems have the share of 87.6% and the local cards - 12.4% respectively. As of February 1, 2004 this ratio was 85.8% and 14.2% correspondingly.
In January 2005 value of transactions using payment cards issued by banks of Kazakhstan was KZT 44.6 billion (40.1% growth in comparison with the same period of the previous year). You can observe advanced growth of the value of cashless payments (by 2.7 times to KZT 3.9 billion) in comparison with growth of the value of cash withdrawal transactions (by 33.9% to KZT 40.6 billion). In January 2005 volume of transactions was KZT 2.5 million transactions (growth - by 25.6% in comparison with relevant numbers of the last year). You can observe advanced growth of the volume of cashless payments (by 2.8 times to 267.8 thousand transactions) in comparison with growth of the volume of cash withdrawal transactions (by 17.8% to 2.2 million transactions).
More detailed data on development of Kazakhstan payment cards market are submitted in Tables 1 - 4.
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Table 1 |
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|
Figures |
As of February |
As of February |
|
Total number of cards in circulation (thousand), of which: |
1 889.1 |
2 418.6 |
|
- local systems |
268.8 |
299.1 |
|
- international systems, of which: |
1 620.3 |
2 119.5 |
|
Visa International |
1 322.3 |
1 686.4 |
|
Europay International |
297.6 |
432.7 |
|
Number of card holders (thousand), of which: |
1 854.5 |
2 330.0 |
|
- local systems |
262.3 |
287.4 |
|
- international systems, of which: |
1 592.3 |
2 042.6 |
|
Visa International |
1 299.7 |
1 618.1 |
|
Europay International |
292.2 |
424.2 |
|
Number of the used payment cards (thousand),of which: |
1 304.4 |
1 068.2 |
|
- local systems |
192.9 |
113.4 |
|
- international systems, of which: |
1 111.4 |
954.8 |
|
Visa International |
923.3 |
757.4 |
|
Europay International |
187.9 |
197.3 |
|
Number of POS-terminals, of which: |
4 202 |
4 194 |
|
- at business enterprises |
2 517 |
2 684 |
|
- in banks |
1 685 |
1 510 |
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Number of imprinters, of which: |
2 051 |
1 496 |
|
- at business enterprises |
1 144 |
767 |
|
- in banks |
907 |
729 |
|
Number of ATMs |
877 |
1 152 |
|
Number of business enterprises |
2 151 |
2 321 |
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Table 2 |
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Figures |
As of February 1, 2005 |
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Number of POS-terminals |
Number of imprinters |
Number of ATMs |
Number of business enterprises |
|
|
Total on the Republic |
4 194 |
1 496 |
1 152 |
2 321 |
|
Akmola |
109 |
29 |
27 |
47 |
|
Aktubinsk |
200 |
32 |
62 |
68 |
|
Almaty |
32 |
6 |
16 |
0 |
|
Atyrau |
145 |
60 |
68 |
64 |
|
East Kazakhstan |
301 |
138 |
97 |
106 |
|
Jambul |
89 |
32 |
41 |
41 |
|
West Kazakhstan |
105 |
29 |
46 |
37 |
|
Karaganda |
407 |
95 |
131 |
169 |
|
Kostanai |
130 |
32 |
35 |
33 |
|
Kyzylorda |
32 |
14 |
26 |
12 |
|
Mangistau |
140 |
37 |
77 |
76 |
|
Pavlodar |
172 |
39 |
60 |
34 |
|
North Kazakhstan |
70 |
5 |
34 |
28 |
|
South Kazakhstan |
132 |
58 |
66 |
39 |
|
Almaty (city) |
1 674 |
767 |
271 |
1 294 |
|
Astana (city) |
456 |
123 |
95 |
273 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the territory of Kazakhstan, in January 2005 (the transactions with American Express International, Diners Club International and Europay International payment cards that are distributed by commercial banks of Kazakhstan are not included)
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Table 3 |
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|
Figures |
January |
|
|
Non cash payments |
Withdrawals of cash |
|
|
2004 |
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Volume of payments (thousand), of which: |
96.1 |
1 888.9 |
|
- local systems |
10.4 |
209.4 |
|
- international systems, of which: |
85.8 |
1 679.5 |
|
Visa International |
68.6 |
1 382.5 |
|
Europay International |
17.2 |
296.9 |
|
Value of payments (mln.KZT), of which: |
1 478.4 |
30 352.6 |
|
- local systems |
9.9 |
3 079.9 |
|
- international systems, of which: |
1 468.5 |
27 272.7 |
|
Visa International |
1 209.8 |
22 809.1 |
|
Europay International |
258.7 |
4 463.6 |
|
2005 |
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|
Volume of payments (thousand), of which: |
267.8 |
2 225.5 |
|
- local systems |
22.3 |
162.7 |
|
- international systems, of which: |
245.5 |
2 062.9 |
|
Visa International |
198.1 |
1 644.8 |
|
Europay International |
47.4 |
418.1 |
|
Value of payments (mln.KZT), of which: |
3 948.5 |
40 637.0 |
|
- local systems |
450.5 |
3 275.4 |
|
- international systems, of which: |
3 498.0 |
37 361.6 |
|
Visa International |
3 156.0 |
31 358.8 |
|
Europay International |
342.0 |
6 002.8 |
|
Dynamics in % |
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|
Volume of payments, of which: |
by 2.8 times |
17.8% |
|
- local systems |
by 2.2 times |
-22.3% |
|
- international systems, of which: |
by 2.9 times |
22.8% |
|
Visa International |
by 2.9 times |
19.0% |
|
Europay International |
by 2.8 times |
40.8% |
|
Value of payments, of which: |
by 2.7 times |
33.9% |
|
- local systems |
by 45.5 times |
6.3% |
|
- international systems, of which: |
by 2.4 times |
37.0% |
|
Visa International |
by 2.6 times |
37.5% |
|
Europay International |
32.2% |
34.5% |
Use of payment cards, issued by the banks of Kazakhstan and foreign banks, in the territory of Kazakhstan, in January 2005 (the transactions with American Express International, Diners Club International and Europay International payment cards that are distributed by commercial banks of Kazakhstan are included)
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Table 4 |
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|
Figures |
January |
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|
Non cash payments |
Withdrawals of cash |
|||
|
Volume of payments |
Value of payments |
Volume of payments |
Value of payments |
|
|
Total on the Republic |
250.6 |
3 308.1 |
2 171.5 |
36 881.2 |
|
Akmola |
2.2 |
15.9 |
59.9 |
684.6 |
|
Aktubinsk |
2.1 |
65.8 |
145.2 |
2 797.3 |
|
Almaty |
3.6 |
381.1 |
33.0 |
381.5 |
|
Atyrau |
1.8 |
150.0 |
130.9 |
2 636.0 |
|
East Kazakhstan |
4.5 |
38.5 |
221.2 |
2 753.1 |
|
Jambul |
3.1 |
1.8 |
93.7 |
1 095.9 |
|
West Kazakhstan |
0.9 |
17.8 |
75.0 |
1 102.5 |
|
Karaganda |
17.0 |
28.0 |
189.0 |
2 207.5 |
|
Kostanai |
1.8 |
42.8 |
59.0 |
891.6 |
|
Kyzylorda |
1.0 |
10.7 |
52.2 |
888.0 |
|
Mangistau |
4.4 |
25.1 |
148.5 |
3 352.8 |
|
Pavlodar |
5.2 |
34.5 |
161.1 |
1 959.4 |
|
North Kazakhstan |
1.5 |
545.1 |
62.0 |
679.9 |
|
South Kazakhstan |
1.2 |
28.1 |
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