Version ¹6 on 01/04/2004
Payment cards
As of April 1, 2004, license of the National Bank of Kazakhstan on the issue of payment cards was given to 20 of second-tier banks, practically issue of payment cards realise only 18 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», cards of JSC «Caspian Bank» and CJSC «Citybank Kazakhstan» and DUET card – by OJSC «Valut-Tranzit Bank», 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 «Halyk Bank of Kazakhstan», OJSC «Bank CenterCredit», OJSC «Nurbank», OJSC «Texakabank» and Diners Club International – by JSC «Kazkommertsbank».
In the present time, the number of cards, issued by banks of Kazakhstan, was 1,98 million, the number of card holders was 1,94 million (growth - by 18,6% and 18,5% respectively, in comparison with figures as of April 1, 2003)[1]. As the most widespread cards, the cards of international payment systems have the share of 85,9% and the local cards - 14,1% respectively. As of April 1, 2003 this ratio was 79,8% and 20,2% correspondingly.
In March 2004 volume of transactions using payment cards issued by banks of Kazakhstan increased by 27,3% and the value of transactions increased by 49,8% in comparison with March 2003. The volume of cashless payments increased by 80,1%, the value of cashless payments - by 53,2% respectively. At the same time the volume of cash withdrawal transactions increased by 25,6% and the value of these transactions increased by 49,7% respectively.
More detailed data on development of Kazakhstan payment cards market are submitted in Tables 1 and 2.
Table 1
|
Figures |
As of April 1, 2003 |
As of April 1, 2004 |
|
Total number of cards in circulation (thousand), of which: |
1671.0 |
1981.3 |
|
- local systems |
337.1 |
279.5 |
|
- international systems, of which: |
1333.9 |
1701.8 |
|
Visa International |
1144.4 |
1360.9 |
|
Europay International |
189.2 |
340.5 |
|
Number of card holders (thousand), of which: |
1636.3 |
1939.8 |
|
- local systems |
328.6 |
272.0 |
|
- international systems, of which: |
1307.7 |
1667.8 |
|
Visa International |
1120.6 |
1342.9 |
|
Europay International |
186.8 |
324.6 |
|
Number of the used payment cards (thousand),of which: |
937.7 |
1456.1 |
|
- local systems |
106.5 |
202.6 |
|
- international systems, of which: |
831.1 |
1253.5 |
|
Visa International |
713.3 |
1041.2 |
|
Europay International |
117.6 |
212.2 |
|
Number of POS-terminals, of which: |
3233 |
4235 |
|
- at business enterprises |
1844 |
2578 |
|
- in banks |
1389 |
1657 |
|
Number of imprinters, of which: |
2010 |
2016 |
|
- at business enterprises |
not avail. |
1081 |
|
- in banks |
not avail. |
935 |
|
Number of ATMs |
724 |
914 |
|
Number of business enterprises |
1859 |
2152 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the territory of Kazakhstan (the transactions with American Express International and Diners Club International payment cards that are distributed by commercial banks of Kazakhstan are not included)
Table 2
|
Figures |
March |
|
|
Non cash payments |
Withdrawals of cash |
|
|
2003 |
||
|
Volume of payments (thousand), of which: |
70.1 |
2 265.0 |
|
- local systems |
4.0 |
215.3 |
|
- international systems, of which: |
66.1 |
2 049.7 |
|
Visa International |
55.7 |
1 737.7 |
|
Europay International |
10.4 |
312.0 |
|
Value of payments (mln.KZT), of which: |
1 033.2 |
27 868.2 |
|
- local systems |
1.9 |
2 429.4 |
|
- international systems, of which: |
1 031.3 |
25 438.7 |
|
Visa International |
882.7 |
21 525.5 |
|
Europay International |
148.6 |
3 913.3 |
|
2004 |
||
|
Volume of payments (thousand), of which: |
126.2 |
2 845.3 |
|
- local systems |
19.5 |
270.6 |
|
- international systems, of which: |
106.8 |
2 574.7 |
|
Visa International |
85.2 |
2 083.1 |
|
Europay International |
21.5 |
491.6 |
|
Value of payments (mln.KZT), of which: |
1 583.1 |
41 721.4 |
|
- local systems |
14.7 |
3 703.0 |
|
- international systems, of which: |
1 568.4 |
38 018.3 |
|
Visa International |
1 294.3 |
31 493.5 |
|
Europay International |
274.1 |
6 524.8 |
|
Dynamics in % |
||
|
Volume of payments, of which: |
80.1% |
25.6% |
|
- local systems |
by 4,9 times |
25.7% |
|
- international systems, of which: |
61.6% |
25.6% |
|
Visa International |
53.0% |
19.9% |
|
Europay International |
by 2,1 times |
57.6% |
|
Value of payments, of which: |
53.2% |
49.7% |
|
- local systems |
by 7,7 times |
52.4% |
|
- international systems, of which: |
52.1% |
49.5% |
|
Visa International |
46.6% |
46.3% |
|
Europay International |
84.5% |
66.7% |
