Version ¹13 on 01/11/2004
Payment cards
As of November 1, 2004, license on the issue of payment cards was given to 20 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 November 1, 2004, the number of cards, issued by banks of Kazakhstan, was 2,31 million, the number of card holders was 2,24 million (growth - by 24,7% and 23,0% 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 87,2% and the local cards - 12,8% respectively. As of November 1, 2003 this ratio was 82,3% and 17,7% correspondingly.
In October 2004 volume of transactions using payment cards issued by banks of Kazakhstan was 3,2 million transactions for KZT 50,2 billion. In comparison with the same period of the previous year the volume and the value of transactions increased by 20,0% and 27,8% respectively.
The volume of cash withdrawal transactions was 3,0 million transactions for KZT 47,8 billion. At the same time the volume of cashless payments was 197,0 thousand transactions for KZT 2,4billion. The shares of this figures were 93,8%, 95,2% and 6,2%, 4,8% correspondingly.
More detailed data on development of Kazakhstan payment cards market are submitted in Tables 1 - 4.
Table 1
|
Figures |
As of November |
As of November |
|
Total number of cards in circulation (thousand), of which: |
1 853.2 |
2 311.1 |
|
- local systems |
328.6 |
296.3 |
|
- international systems, of which: |
1 524.5 |
2 014.7 |
|
Visa International |
1 275.0 |
1 612.2 |
|
Europay International |
249.2 |
402.1 |
|
Number of card holders (thousand), of which: |
1 823.8 |
2 243.1 |
|
- local systems |
322.4 |
284.9 |
|
- international systems, of which: |
1 501.4 |
1 958.2 |
|
Visa International |
1 257.8 |
1 560.5 |
|
Europay International |
243.3 |
397.3 |
|
Number of the used payment cards (thousand),of which: |
1 136.7 |
1 875.6 |
|
- local systems |
166.6 |
222.4 |
|
- international systems, of which: |
970.1 |
1 653.2 |
|
Visa International |
815.3 |
1 329.0 |
|
Europay International |
154.5 |
324.1 |
|
Number of POS-terminals, of which: |
4 008 |
4 290 |
|
- at business enterprises |
2 511 |
2 635 |
|
- in banks |
1 497 |
1 655 |
|
Number of imprinters, of which: |
1 987 |
1 686 |
|
- at business enterprises |
not avail. |
836 |
|
- in banks |
not avail. |
850 |
|
Number of ATMs |
824 |
1 059 |
|
Number of business enterprises |
2 108 |
2 321 |
Table 2
|
Figures |
As of November 1, 2004 |
|||
|
Number of POS-terminals |
Number of imprinters |
Number of ATMs |
Number of business enterprises |
|
|
Total on the Republic |
4 290 |
1 686 |
1 059 |
2 321 |
|
Akmola |
128 |
38 |
27 |
63 |
|
Aktubinsk |
159 |
34 |
59 |
46 |
|
Almaty |
106 |
44 |
21 |
49 |
|
Atyrau |
139 |
60 |
67 |
62 |
|
East Kazakhstan |
347 |
155 |
89 |
107 |
|
Jambul |
100 |
35 |
32 |
40 |
|
West Kazakhstan |
165 |
78 |
45 |
56 |
|
Karaganda |
388 |
98 |
111 |
166 |
|
Kostanai |
156 |
38 |
32 |
40 |
|
Kyzylorda |
43 |
19 |
25 |
13 |
|
Mangistau |
139 |
38 |
74 |
70 |
|
Pavlodar |
207 |
39 |
55 |
38 |
|
North Kazakhstan |
86 |
17 |
36 |
40 |
|
South Kazakhstan |
141 |
90 |
48 |
40 |
|
Almaty (city) |
1 548 |
789 |
254 |
1 236 |
|
Astana (city) |
438 |
114 |
84 |
255 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the territory of Kazakhstan, in October 2004 (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)
Table 2
|
Figures |
October |
|
|
Non cash payments |
Withdrawals of cash |
|
|
2003 |
||
|
Volume of payments (thousand), of which: |
88.0 |
2 576.6 |
|
- local systems |
3.8 |
220.6 |
|
- international systems, of which: |
84.2 |
2 356.0 |
|
Visa International |
68.3 |
1 980.3 |
|
Europay International |
15.9 |
375.7 |
|
Value of payments (mln.KZT), of which: |
1 513.3 |
37 735.2 |
|
- local systems |
5.7 |
3 675.1 |
|
- international systems, of which: |
1 507.6 |
34 060.1 |
|
Visa International |
1 263.0 |
28 881.3 |
|
Europay International |
244.6 |
5 178.8 |
|
2004 |
||
|
Volume of payments (thousand), of which: |
197.0 |
3 000.4 |
|
- local systems |
17.2 |
232.4 |
|
- international systems, of which: |
179.8 |
2 768.0 |
|
Visa International |
146.3 |
2 174.1 |
|
Europay International |
33.4 |
593.9 |
|
Value of payments (mln.KZT), of which: |
2 395.5 |
47 772.2 |
|
- local systems |
49.2 |
3 461.0 |
|
- international systems, of which: |
2 346.3 |
44 311.2 |
|
Visa International |
1 978.5 |
36 067.4 |
|
Europay International |
367.8 |
8 243.8 |
|
Dynamics in % |
||
|
Volume of payments, of which: |
by 2,2 times |
16.4% |
|
- local systems |
by 4,5 times |
5.4% |
|
- international systems, of which: |
by 2,1 times |
17.5% |
|
Visa International |
by 2,1 times |
9.8% |
|
Europay International |
by 2,1 times |
58.1% |
|
Value of payments, of which: |
58.3% |
26.6% |
|
- local systems |
by 8,7 times |
-5.8% |
|
- international systems, of which: |
55.6% |
30.1% |
|
Visa International |
56.7% |
24.9% |
|
Europay International |
50.3% |
59.2% |
Use of payment cards, issued by the banks of Kazakhstan and foreign banks, in the territory of Kazakhstan, in October 2004 (the transactions with American Express International, Diners Club International and Europay International payment cards that are distributed by commercial banks of Kazakhstan are included)
Table 4
|
Figures |
October |
|||
|
Non cash payments |
Withdrawals of cash |
|||
|
Volume of payments |
Value of payments |
Volume of payments |
Value of payments |
|
|
Total on the Republic |
185.3 |
2 037.9 |
3 026.9 |
46 548.6 |
|
Akmola |
1.1 |
17.2 |
94.6 |
1 022.3 |
|
Aktubinsk |
1.2 |
39.4 |
194.8 |
3 383.6 |
|
Almaty |
1.5 |
41.8 |
51.9 |
616.8 |
|
Atyrau |
1.6 |
153.2 |
166.5 |
3 071.2 |
|
East Kazakhstan |
1.3 |
35.5 |
302.5 |
3 607.7 |
|
Jambul |
1.3 |
4.8 |
138.4 |
1 631.0 |
|
West Kazakhstan |
0.5 |
24.3 |
105.2 |
1 456.3 |
|
Karaganda |
13.0 |
13.0 |
266.6 |
3 070.7 |
|
Kostanai |
0.9 |
31.5 |
87.6 |
1 277.0 |
|
Kyzylorda |
0.2 |
2.2 |
88.1 |
1 365.4 |
|
Mangistau |
2.1 |
12.0 |
168.2 |
3 651.5 |
|
Pavlodar |
2.8 |
3.9 |
212.2 |
2 645.8 |
|
North Kazakhstan |
0.7 |
10.4 |
90.8 |
985.3 |
|
South Kazakhstan |
0.2 |
22.6 |
123.8 |
1 981.4 |
|
Almaty (city) |
149.4 |
1 428.8 |
669.0 |
12 683.5 |
|
Astana (city) |
7.6 |
197.3 |
266.7 |
4 099.1 |
