Version ¹13 on 01/04/2009
In the 1 quarter of 2009 both second – tier banks and JSC «Kazpost» performed 34 795.0 thousand transactions to the sum of 19 643.8 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 7.4% and the value of payments decreased by 17.2%.
The increase of total volume of payment instruments was mainly specified the increase of volume of payment cards operations by 3 034.3 thousand transactions. The decrease of payment value was substantially caused by the growth of payments value performed with payment orders by 4 529.1 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 1 quarter of 2009 came to 2.2 million KZT and compared with the same period of last year has decreased by 20.6%. 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 1 quarter of 2009 came to 22.9 thousand KZT).
In the 1 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 1-quarter of 2009
Table 1 |
||||||
(volume in thousands transactions; value in billions KZT) |
||||||
Payment instruments |
1-quarter of 2008 |
1-quarter of 2009 |
Change |
|||
Abs. |
in percent of total amount |
Abs. |
in percent of total amount |
|||
Payment orders |
Volume |
8 249.6 |
25.5% |
8 324.8 |
23.9% |
0.9% |
Value |
22 765.6 |
95.9% |
18 236.6 |
92.8% |
-19.9% |
|
Payment request-orders |
Volume |
105.2 |
0.3% |
37.0 |
0.1% |
-64.8% |
Value |
57.0 |
0.2% |
48.1 |
0.2% |
-15.6% |
|
Collection orders |
Volume |
172.5 |
0.5% |
66.3 |
0.2% |
-61.6% |
Value |
86.7 |
0.4% |
36.5 |
0.2% |
-57.8% |
|
Payment cards |
Volume |
21 770.1 |
67.2% |
24 804.4 |
71.3% |
13.9% |
Value |
442.9 |
1.9% |
523.0 |
2.7% |
18.1% |
|
Other payment instruments |
Volume |
2 094.2 |
6.5% |
1 562.5 |
4.5% |
-25.4% |
Value |
378.4 |
1.6% |
799.5 |
4.1% |
by 2.1 times |
|
Total |
Volume |
32 391.5 |
100.0% |
34 795.0 |
100.0% |
7.4% |
Value |
23 730.6 |
100.0% |
19 643.8 |
100.0% |
-17.2% |
Use of payments instruments in a cut of regions in the 1-quarter of 2009 (volume of transactions)
Table 2 |
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(in unit transactions) |
||||
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
Akmola |
983 622 |
3 419 |
7 811 |
117 887 |
Aktubinsk |
454 324 |
1 508 |
1 100 |
51 572 |
Almaty |
2 693 595 |
14 835 |
12 921 |
461 142 |
Atyrau |
376 122 |
1 147 |
1 077 |
43 359 |
East Kazakhstan |
561 239 |
2 035 |
3 454 |
98 851 |
Jambul |
244 630 |
804 |
10 648 |
139 623 |
West Kazakhstan |
286 363 |
3 610 |
3 748 |
42 362 |
Karaganda |
730 213 |
1 967 |
5 729 |
174 679 |
Kostanai |
438 930 |
611 |
764 |
119 537 |
Kyzylorda |
199 527 |
758 |
4 255 |
20 739 |
Mangistau |
310 541 |
2 243 |
3 694 |
51 129 |
Pavlodar |
376 747 |
1 169 |
4 880 |
106 544 |
North Kazakhstan |
275 307 |
409 |
894 |
33 440 |
South Kazakhstan |
393 623 |
2 486 |
5 330 |
101 642 |
Total |
8 324 783 |
37 001 |
66 305 |
1 562 506 |
Use of payments instruments on regions in the 1-quarter of 2009 (value of transactions)
Table 3 |
||||
(in million KZT) |
||||
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
Akmola |
4 197 451.3 |
12 993.7 |
2 637.5 |
50 507.5 |
Aktubinsk |
350 519.2 |
1 199.4 |
138.2 |
35 415.2 |
Almaty |
10 461 134.4 |
12 897.0 |
18 750.3 |
266 014.9 |
Atyrau |
308 614.0 |
6 418.7 |
282.5 |
7 349.5 |
East Kazakhstan |
286 914.4 |
399.6 |
367.1 |
4 611.4 |
Jambul |
89 612.8 |
877.0 |
962.4 |
1 774.4 |
West Kazakhstan |
148 658.0 |
616.7 |
666.4 |
49 896.2 |
Karaganda |
563 584.0 |
205.4 |
1 721.7 |
338 383.5 |
Kostanai |
325 581.3 |
435.1 |
102.5 |
20 780.7 |
Kyzylorda |
426 735.2 |
5 217.8 |
163.0 |
1 704.9 |
Mangistau |
324 310.0 |
720.9 |
805.6 |
3 858.5 |
Pavlodar |
447 828.4 |
5 852.2 |
9 554.4 |
7 575.1 |
North Kazakhstan |
100 153.9 |
184.5 |
231.1 |
1 738.5 |
South Kazakhstan |
205 491.2 |
107.9 |
182.6 |
9 930.0 |
Total |
18 236 588.2 |
48 125.9 |
36 565.3 |
799 540.2 |