As of August 1, 2010, 20 second-tier banks and JSC «Kazpost» realise issue of payment cards. Second-tier banks issue payment cards of local systems: Altyn card – by JSC «Halyk Bank of Kazakhstan»; SmartAlemCard – by JSC «ВТА Bank»; TemirCard – by JSC «Темirbаnк»; SityCard - by JSC «CitybankKazakhstan». Also commercial banks of Kazakhstan issue and distribute payment cards of international systems: VISA International, Europay International, American Express International, China Union Pay and Diners Club International.
As of August 1, 2010, the number of cards, issued by banks of Kazakhstan, was 8.2 million, the number of card holders was 7.7 million (growth - by 15.0% and 15.0% respectively, in comparison with the same period of the last year)[1]. As the most widespread cards, the cards of international payment systems have the share of 97.9% and the local cards – 2.1% respectively. As of August 1, 2009 this ratio was 97.9% and 2.1% correspondingly.
In July 2010 the value of transactions using payment cards issued by banks of Kazakhstan was KZT 293.9 billion (25.6% growth in comparison with the same period of the previous year). In July 2010 volume of transactions was 11.5 million transactions (growth - by 14.6% in comparison with the same period of the last year).
Growth of the volume and value of non-cash payments has made 16.1 % (2.1 million transactions) and 7.4 % (32.1 billion tenge), and of the volume and value of operations on cash withdrawal - 14.3 % (9.4 million transactions) and 28.2 % (261.8 billion tenge) accordingly.
More detailed data on development of Kazakhstan payment cards market are submitted in Tables 1 - 5.
Table 1
Figures
As of August1, 2009
As of August1, 2010
Total number of cards in circulation (thousand), of which:
7 115.4
8 186.2
- local systems
149.0
170.6
- international systems, of which:
6 966.4
8 015.6
Visa International
5 577.8
6 642.1
Europay International
1 381.3
1 364.4
Number of card holders (thousand), of which:
6 659.3
7 655.2
- local systems
141.2
162.7
-international systems, of which:
6 518.1
7 492.5
Visa International
5 182.4
6 173.0
Europay International
1 328.6
1 310.5
Number of the used payment cards (thousand),of which:
3 287.0
3 790.2
- local systems
86.8
88.9
- international systems, of which:
3 200.2
3 701.3
Visa International
2 486.6
3 040.8
Europay International
710.4
656.3
Number of POS-terminals, of which:
21 794
24 074
- at business enterprises
17 453
19 570
- in banks
4 341
4 504
Number of imprinters, of which:
861
790
- at business enterprises
468
411
- in banks
393
379
Number of ATMs
6 774
7 346
Number of business enterprises
9 700
10 303
Monthly balances on which the transactions using payment cards (mln.KZT)
116 778.0
151 637.3
Table 2
Figures
As of August1, 2010
Total number of cards in circulation (thousand)
Number of card holders (thousand)
Number of the used payment cards (thousand)
Total on the Republic
8 177,7
7 549,3
3 786,1
Akmola
263,3
249,4
145
Aktubinsk
452,2
430,3
218
Almaty
282,2
269,7
142,9
Atyrau
400,7
371
185
East Kazakhstan
650
613,7
327,1
Jambul
316,6
304,5
171
West Kazakhstan
285,8
269,3
125,9
Karaganda
818,4
773,2
397,5
Kostanai
304,5
289,6
157,6
Kyzylorda
293,2
279,3
156,5
Mangistau
392,6
363,9
181
Pavlodar
445,9
416
223,1
North Kazakhstan
204,9
193,1
102,2
South Kazakhstan
550,1
522,5
253,3
Almaty (city)
1 899,7
1 643,2
734,6
Astana (city)
617,5
560,6
265,5
Table 3
Figures
As of August1, 2010
Number of POS-terminals
Number of imprinters
Number of ATMs
Number of business enterprises
Total on the Republic
24 074
790
7 346
10 303
Akmola
586
4
254
286
Aktubinsk
1 181
12
411
446
Almaty
522
9
293
144
Atyrau
1 179
46
420
506
East Kazakhstan
1 589
26
593
753
Jambul
620
6
265
261
West Kazakhstan
836
19
270
318
Karaganda
1 831
25
661
721
Kostanai
772
19
299
311
Kyzylorda
395
5
210
193
Mangistau
868
16
375
406
Pavlodar
1 213
12
445
535
North Kazakhstan
659
8
224
283
South Kazakhstan
1 082
13
466
402
Almaty (city)
7 646
490
1 442
3 213
Astana (city)
3 095
80
718
1 525
Use of payment cards, issued by the banks of Kazakhstan, in and outside the territory of Kazakhstan, in July2010 (the transactions with American Express International, Diners Club International, Visa International and Europay International payment cards that are distributed by commercial banks of Kazakhstan are not included)
Table 4
Figures
July
Non cash payments
Withdrawals of cash
2009
Volume of payments (thousand), of which:
1 793,1
8 235,2
- local systems
39,5
212,7
- international systems, of which:
1 753,6
8 022,5
Visa International
1 398,5
6 348,2
Europay International
354,4
1 670,6
Value of payments (mln.KZT), of which:
29 868,7
204 145,5
- local systems
561
5 246,0
- international systems, of which:
29 307,7
198 899,5
Visa International
26 093,5
161 540,5
Europay International
3 187,8
37 261,2
2010
Volume of payments (thousand), of which:
2 081,8
9 412,3
- local systems
43,8
231
- international systems, of which:
2 038,0
9 181,3
Visa International
1 695,5
7 672,1
Europay International
341,1
1 505,1
Value of payments (mln.KZT), of which:
32 079,9
261 793,0
- local systems
896,5
7 767,1
- international systems, of which:
31 183,4
254 025,9
Visa International
27 152,8
216 598,3
Europay International
3 988,7
37 280,2
Dynamics in %
Volume of payments, of which:
16,1%
14,3%
- local systems
10,9%
8,6%
- international systems, of which:
16,2%
14,4%
Visa International
21,2%
20,9%
Europay International
-3,8%
-9,9%
Value of payments, of which:
7,4%
28,2%
- local systems
59,8%
48,1%
- international systems, of which:
6,4%
27,7%
Visa International
4,1%
34,1%
Europay International
25,1%
0,1%
Use of payment cards, issued by the banks of Kazakhstan and foreign banks, in the territory of Kazakhstan, in July2010 (the transactions with American Express International, Diners Club International, Visa International and Europay International payment cards that are distributed by commercial banks of Kazakhstan are included)
Table 5
Figures
July
Non cash payments
Withdrawals of cash
Volume of payments (thousand)
Value of payments (mln.KZT)
Volume of payments (thousand)
Value of payments (mln.KZT)
Total on the Republic
1 918,6
28 302,8
9 366,3
259 276,6
Akmola
24,3
635,5
324
7 266,4
Aktubinsk
54,8
1 628,6
534,1
15 427,8
Almaty
50,1
767,8
337
9 007,5
Atyrau
49,5
1 690,8
514,3
14 516,6
East Kazakhstan
146,6
1 303,0
833
19 692,6
Jambul
40,9
1 343,0
369,5
8 887,5
West Kazakhstan
74,3
1 697,3
353,7
8 583,3
Karaganda
74,1
1 202,6
914,6
21 256,0
Kostanai
49,9
545,2
386
9 253,7
Kyzylorda
64,3
674,2
288,8
8 199,7
Mangistau
60,9
1 723,3
489,3
17 326,0
Pavlodar
87,7
634,6
472,4
11 274,3
North Kazakhstan
36,8
262,1
268,3
5 799,0
South Kazakhstan
39,1
1 390,1
542,7
14 619,4
Almaty (city)
855,4
9 135,8
1 839,4
62 344,5
Astana (city)
209,8
3 669,0
899,4
25 822,3
[1] Here, in Table 1 and Table 2 figures include American Express International, Diners Club International, Europay International and Visa International payment cards that are distributed by commercial banks of Kazakhstan.
