Version ¹16 on 01/01/2010
In the 4 quarter of 2009 both second – tier banks and JSC «Kazpost» performed 44 514.0 thousand transactions to the sum of 26 073.3 billion KZT with the application of payment instruments presented in Table 1. Compared with the similar period of the previous year the volume of transactions increased by 12.9% and the value of payments decreased by 6.9%.
The increase of total volume of payment instruments was mainly specified the increase of volume of payment cards operations by 4 387.5 thousand transactions. The decrease of payment value was substantially caused by the growth of payments value performed with payment orders by 1 937.7 billion KZT.
As before, payment orders and payment cards are payment instruments used most commonly on the territory of Kazakhstan. Herewith the average value of one payment orders in the 4 quarter of 2009 came to 2.2 million KZT and compared with the same period of last year has decreased by 17.9%. At the same time, a high specific weight of payment cards on the volume of payments and a low specific weight on value of payments are due to the use of this payment instrument primarily for withdrawal of small sums of cash (the average amount of one cash withdrawal transaction for the 4 quarter of 2009 came to 22.9 thousand KZT).
In the 4 quarter of 2009 payment request-orders and collection orders are used the least frequently. The insignificant part of use of given instruments in total volume and value is caused by their specificity.
Other payment instruments include checks for goods and services, direct debits of bank account and executed bill credits.
Data on the use of payment instruments in the 4-quarter of 2009
Table 1 |
||||||
(volume in thousands transactions; value in billions KZT) |
||||||
Payment instruments |
4-quarter of 2008 |
4-quarter of 2009 |
Change |
|||
Abs. |
in percent of total amount |
Abs. |
in percent of total amount |
|||
Payment orders
|
Volume |
9 643.0 |
24.5% |
10 878.1 |
24.4% |
12.8% |
Value |
26 247.0 |
93.7% |
24 309.3 |
93.2% |
-7.4% |
|
Payment request-orders
|
Volume |
96.2 |
0.2% |
62.0 |
0.1% |
-35.6% |
Value |
54.3 |
0.2% |
95.1 |
0.4% |
75.1% |
|
Collection orders
|
Volume |
205.8 |
0.5% |
94.3 |
0.2% |
-54.2% |
Value |
46.6 |
0.2% |
60.4 |
0.2% |
29.4% |
|
Payment cards
|
Volume |
27 763.7 |
70.4% |
32 151.2 |
72.2% |
15.8% |
Value |
657.0 |
2.3% |
735.6 |
2.8% |
12.0% |
|
Other payment instruments |
Volume |
1 728.9 |
4.4% |
1 328.4 |
3.0% |
-23.2% |
Value |
1 014.9 |
3.6% |
872.9 |
3.3% |
-14.0% |
|
Total |
Volume |
39 437.6 |
100.0% |
44 514.0 |
100.0% |
12.9% |
Value |
28 019.7 |
100.0% |
26 073.3 |
100.0% |
-6.9% |
Use of payments instruments in a cut of regions in the 4-quarter of 2009 (volume of transactions)
Table 2 |
||||
(in unit transactions) |
||||
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
Akmola |
1 264 536 |
8 165 |
9 260 |
93 260 |
Aktubinsk |
530 062 |
2 634 |
3 957 |
30 378 |
Almaty |
273 049 |
1 297 |
15 684 |
143 050 |
Atyrau |
3 955 575 |
24 875 |
19 674 |
405 659 |
East Kazakhstan |
331 687 |
705 |
2 626 |
26 903 |
Jambul |
636 613 |
2 489 |
7 090 |
65 746 |
West Kazakhstan |
385 716 |
4 692 |
2 743 |
24 694 |
Karaganda |
901 013 |
3 228 |
8 926 |
128 200 |
Kostanai |
537 741 |
1 432 |
2 811 |
145 101 |
Kyzylorda |
469 381 |
1 802 |
5 512 |
91 472 |
Mangistau |
454 345 |
3 501 |
4 134 |
85 250 |
Pavlodar |
472 468 |
2 038 |
2 054 |
33 246 |
North Kazakhstan |
269 951 |
1 536 |
4 988 |
15 516 |
South Kazakhstan |
395 923 |
3 620 |
4 815 |
39 944 |
Total |
10 878 060 |
62 014 |
94 274 |
1 328 419 |
Use of payments instruments on regions in the 4-quarter of 2009 (value of transactions)
Table 3 |
||||
(in million KZT) |
||||
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
Akmola |
5 192 040.2 |
3 676.7 |
12 702.5 |
46 116.4 |
Aktubinsk |
550 090.6 |
2 360.3 |
1 016.4 |
49 870.3 |
Almaty |
121 511.2 |
1 899.5 |
4 867.3 |
826.2 |
Atyrau |
14 382 562.3 |
67 880.3 |
19 468.3 |
561 778.6 |
East Kazakhstan |
131 075.0 |
1 749.3 |
475.7 |
1 466.3 |
Jambul |
772 340.3 |
454.4 |
517.0 |
3 469.8 |
West Kazakhstan |
252 865.3 |
444.1 |
520.1 |
5 005.1 |
Karaganda |
578 641.7 |
1 345.2 |
6 902.0 |
148 460.3 |
Kostanai |
365 923.3 |
474.6 |
208.1 |
31 315.8 |
Kyzylorda |
477 725.4 |
1 985.2 |
1 243.0 |
7 432.1 |
Mangistau |
285 663.7 |
558.4 |
278.9 |
8 313.8 |
Pavlodar |
437 915.7 |
1 421.2 |
2 961.9 |
4 675.8 |
North Kazakhstan |
250 723.0 |
9 144.1 |
1 962.7 |
1 408.7 |
South Kazakhstan |
510 183.6 |
1 718.4 |
7 246.1 |
2 808.9 |
Total |
24 309 261.2 |
95 111.6 |
60 370.0 |
872 948.4 |