Version ¹14 on 01/07/2009
In the 2 quarter of 2009 both second – tier banks and JSC «Kazpost» performed 39 577.2 thousand transactions to the sum of 19 311.0 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 7.6% and the value of payments decreased by 28.7%.
The increase of total volume of payment instruments was mainly specified the increase of volume of payment cards operations by 3 145.8 thousand transactions. The decrease of payment value was substantially caused by the growth of payments value performed with payment orders by 8 583.4 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 2 quarter of 2009 came to 1.8 million KZT and compared with the same period of last year has decreased by 34.6%. 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 2 quarter of 2009 came to 21.3 thousand KZT).
In the 2 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 2-quarter of 2009
Table 1 |
||||||
(volume in thousands transactions; value in billions KZT) |
||||||
Payment instruments |
2-quarter of 2008 |
2-quarter of 2009 |
Change |
|||
Abs. |
in percent of total amount |
Abs. |
in percent of total amount |
|||
Payment orders
|
Volume |
9 196.5 |
25.0% |
9 416.6 |
23.8% |
2.4% |
Value |
26 002.7 |
96.0% |
17 419.4 |
90.2% |
-33.0% |
|
Payment request-orders
|
Volume |
145.8 |
0.4% |
57.2 |
0.1% |
-60.8% |
Value |
80.8 |
0.3% |
123.0 |
0.6% |
52.1% |
|
Collection orders
|
Volume |
218.6 |
0.6% |
116.5 |
0.3% |
-46.7% |
Value |
47.4 |
0.2% |
89.8 |
0.5% |
89.4% |
|
Payment cards
|
Volume |
25 156.1 |
68.4% |
28 301.9 |
71.5% |
12.5% |
Value |
531.7 |
2.0% |
601.5 |
3.1% |
13.1% |
|
Other payment instruments |
Volume |
2 055.0 |
5.6% |
1 685.0 |
4.3% |
-18.0% |
Value |
436.9 |
1.6% |
1 077.4 |
5.6% |
by 2.5 times |
|
Total |
Volume |
36 772.1 |
100.0% |
39 577.2 |
100.0% |
7.6% |
Value |
27 099.6 |
100.0% |
19 311.0 |
100.0% |
-28.7% |
Use of payments instruments in a cut of regions in the 2-quarter of 2009 (volume of transactions)
Table 2 |
||||
(in unit transactions) |
||||
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
Akmola |
1 091 195 |
7 260 |
14 019 |
117 675 |
Aktubinsk |
508 107 |
2 460 |
3 353 |
50 821 |
Almaty |
280 412 |
1 252 |
13 504 |
153 300 |
Atyrau |
3 098 694 |
17 772 |
27 912 |
568 637 |
East Kazakhstan |
308 743 |
936 |
4 347 |
33 835 |
Jambul |
600 395 |
2 489 |
4 744 |
96 834 |
West Kazakhstan |
324 427 |
4 216 |
3 449 |
43 768 |
Karaganda |
837 097 |
2 960 |
10 021 |
167 686 |
Kostanai |
506 298 |
1 586 |
1 553 |
125 152 |
Kyzylorda |
431 370 |
2 386 |
13 008 |
110 168 |
Mangistau |
425 612 |
4 483 |
5 824 |
102 036 |
Pavlodar |
419 325 |
4 452 |
4 045 |
44 128 |
North Kazakhstan |
230 694 |
957 |
2 724 |
20 952 |
South Kazakhstan |
354 183 |
3 951 |
8 030 |
49 986 |
Total |
9 416 552 |
57 160 |
116 533 |
1 684 978 |
Use of payments instruments on regions in the 2-quarter of 2009 (value of transactions)
Table 3 |
||||
(in million KZT) |
||||
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
Akmola |
4 559 359.1 |
39 930.3 |
6 970.3 |
36 185.1 |
Aktubinsk |
412 972.2 |
1 452.6 |
1 374.0 |
43 310.4 |
Almaty |
105 838.4 |
1 616.3 |
1 629.7 |
2 504.4 |
Atyrau |
9 316 945.7 |
7 901.5 |
30 456.6 |
273 178.4 |
East Kazakhstan |
109 613.6 |
332.3 |
378.6 |
2 130.5 |
Jambul |
321 214.6 |
595.0 |
2 360.2 |
5 411.7 |
West Kazakhstan |
172 461.6 |
1 827.4 |
489.5 |
47 041.5 |
Karaganda |
532 014.5 |
2 769.6 |
3 835.3 |
614 636.5 |
Kostanai |
363 412.9 |
5 679.7 |
82.7 |
22 734.0 |
Kyzylorda |
371 851.3 |
6 882.3 |
22 289.7 |
8 958.1 |
Mangistau |
251 109.1 |
2 904.5 |
278.4 |
7 257.4 |
Pavlodar |
333 000.6 |
39 634.4 |
1 084.6 |
7 730.5 |
North Kazakhstan |
145 093.4 |
6 530.1 |
3 574.3 |
1 435.7 |
South Kazakhstan |
424 476.7 |
4 894.8 |
15 026.0 |
4 904.2 |
Total |
17 419 363.7 |
122 950.8 |
89 829.9 |
1 077 418.4 |