Version ¹6 on01/01/2008
In the 4 quarter of 2007 both second – tier banks and JSC «Kazpost» performed 36 352.7 thousand transactions to the sum of 24 101.3 billion KZT with the application of payment instruments presented in Table 1. In whole the use of various payment instruments has been increased. Compared with the similar period of the previous year the volume of transactions increased by 21.5% and the value of payments increased by 29.8%.
The increase of total volume of payment instruments was mainly specified the increase of volume of payment cards operations by 5 456.0 thousand transactions. The increase of payment value was substantially caused by the growth of payments value performed with payment orders by 5 337.5 billion KZT.
As before, payment orders and payment cards are the instruments used most commonly on the territory of Kazakhstan. Herewith the average value of one payment orders in the 4 quarter of 2007 came to 2.5 million KZT and compared with the same period of last year has increased by 22.8%. 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 2007 came to 21.8 thousand KZT).
In the 4 quarter of 2007 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. Compared with the 4 quarter of 2006 the increase of volume of this payment instruments was mainly specified the increase of volume of direct debits of bank account by 14.5 %. The increase of this payment instruments value was substantially caused by the growth of checks for goods and services payments and executed bill credits value performed with by 19,8%.
Data on the use of payment instruments in the 4-quarter of 2007
Table 1 |
||||||
(volume in thousands transactions; value in billions KZT) |
||||||
Payment instruments |
4-quarter of 2006 |
4-quarter of 2007 |
Change |
|||
Abs. |
in percent of total amount |
Abs. |
in percent of total amount |
|||
Payment orders
|
Volume |
8 739.8 |
29.20% |
9 279.8 |
25.53% |
6.2% |
Value |
17 593.9 |
94.76% |
22 931.4 |
95.15% |
30.3% |
|
Payment request-orders
|
Volume |
37.2 |
0.12% |
98.8 |
0.27% |
by 2.7 times |
Value |
17.3 |
0.09% |
61.6 |
0.26% |
by 3.6 times |
|
Collection orders
|
Volume |
94.9 |
0.32% |
168.2 |
0.46% |
77.3% |
Value |
171.1 |
0.92% |
64.2 |
0.27% |
-62.5% |
|
Payment cards
|
Volume |
19 028.4 |
63.58% |
24 484.3 |
67.35% |
28.7% |
Value |
358.6 |
1.93% |
534.4 |
2.22% |
49.0% |
|
Other payment instruments |
Volume |
2 027.2 |
6.77% |
2 321.6 |
6.39% |
14.5% |
Value |
425.0 |
2.29% |
509.7 |
2.11% |
19.9% |
|
Total |
Volume |
29 927.4 |
100.00% |
36 352.7 |
100.00% |
21.5% |
Value |
18 565.9 |
100.00% |
24 101.3 |
100.00% |
29.8% |
Use of payments instruments in a cut of regions in the 4-quarter of 2007 (volume of transactions)
Table 2 |
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(in unit transactions) |
||||
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
Akmola |
1 154 702 |
25 380 |
15 892 |
171 821 |
Aktubinsk |
502 026 |
3 092 |
6 458 |
71 346 |
Almaty |
3 097 231 |
24 608 |
51 176 |
618 346 |
Atyrau |
388 916 |
4 454 |
4 115 |
120 868 |
East Kazakhstan |
651 889 |
3 134 |
8 306 |
145 547 |
Jambul |
260 344 |
1 539 |
6 952 |
158 696 |
West Kazakhstan |
259 804 |
5 270 |
6 288 |
106 972 |
Karaganda |
754 531 |
9 876 |
22 173 |
261 231 |
Kostanai |
497 733 |
5 991 |
3 457 |
135 827 |
Kyzylorda |
202 283 |
1 221 |
6 117 |
26 732 |
Mangistau |
369 968 |
4 167 |
10 091 |
77 561 |
Pavlodar |
406 396 |
3 907 |
8 516 |
219 964 |
North Kazakhstan |
309 274 |
1 143 |
3 345 |
46 744 |
South Kazakhstan |
424 670 |
5 016 |
15 283 |
159 930 |
Total |
9 279 767 |
98 798 |
168 169 |
2 321 585 |
Use of payments instruments on regions in the 4-quarter of 2007 (value of transactions)
Table 3 |
||||
(in billion KZT) |
||||
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
Akmola |
4 793 891.1 |
29 211.8 |
5 088.5 |
30 778.7 |
Aktubinsk |
447 276.1 |
4 482.6 |
501.1 |
48 655.7 |
Almaty |
14 112 416.8 |
9 101.7 |
46 668.5 |
277 996.1 |
Atyrau |
350 127.9 |
1 717.0 |
855.7 |
11 326.0 |
East Kazakhstan |
359 715.9 |
806.1 |
464.2 |
7 878.7 |
Jambul |
116 851.5 |
3 209.7 |
402.6 |
3 115.5 |
West Kazakhstan |
140 591.9 |
919.9 |
366.8 |
51 981.8 |
Karaganda |
586 177.8 |
2 170.6 |
3 276.3 |
15 179.8 |
Kostanai |
486 116.0 |
3 478.3 |
797.2 |
23 035.9 |
Kyzylorda |
392 693.5 |
377.5 |
739.2 |
2 966.0 |
Mangistau |
406 703.9 |
2 675.8 |
2 374.8 |
6 029.5 |
Pavlodar |
348 750.2 |
2 589.0 |
1 383.5 |
13 749.7 |
North Kazakhstan |
141 713.4 |
322.5 |
508.7 |
3 632.8 |
South Kazakhstan |
248 352.2 |
573.5 |
783.0 |
13 341.3 |
Total |
22 931 378.3 |
61 636.3 |
64 210.2 |
509 667.4 |