Version ¹86 on 01/01/2011
As of January 1, 2011, 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»; SityCard - by JSC «Citybank Kazakhstan». Also commercial banks of Kazakhstan issue and distribute payment cards of international systems: VISA International, MasterCard Worldwide, American Express International, China Union Pay and Diners Club International.
As of January 1, 2011, the number of cards, issued by banks of Kazakhstan, was 8.4 million, the number of card holders was 7.8 million (growth - by 10.2% and 9.5% 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 98.0% and the local cards – 2.0% respectively. As of January 1, 2010 this ratio was 97.9% and 2.1% correspondingly.
In December 2010 the value of transactions using payment cards issued by banks of Kazakhstan was KZT 370.9 billion (23.4% growth in comparison with the same period of the previous year). In December 2010 volume of transactions was 14.2 million transactions (growth - by 12.9% in comparison with the same period of the last year).
Growth of the volume and value of non-cash payments has made 22.4 % (2.7 million transactions) and 23.6 % (44.2 billion tenge), and of the volume and value of operations on cash withdrawal - 10.9 % (11.5 million transactions) and 23.3 % (326.7 billion tenge) accordingly.
More detailed data on development of Kazakhstan payment cards market are submitted in Tables 1 - 5.
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Table 1 |
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Figures |
As of January 1, 2010 |
As of January 1, 2011 |
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Total number of cards in circulation (thousand), of which: |
7 614.6 |
8 392.2 |
|
- local systems |
158.0 |
171.7 |
|
- international systems, of which: |
7 456.5 |
8 220.5 |
|
Visa International |
6 046.0 |
6 855.7 |
|
MasterCard Worldwide |
1 402.5 |
1 353.3 |
|
Number of card holders (thousand), of which: |
7 135.7 |
7 817.3 |
|
- local systems |
150.2 |
163.9 |
|
- international systems, of which: |
6 985.5 |
7 653.4 |
|
Visa International |
5 627.8 |
6 338.9 |
|
MasterCard Worldwide |
1 349.9 |
1 303.3 |
|
Number of the used payment cards (thousand),of which: |
3 694.4 |
4 271.9 |
|
- local systems |
91.0 |
97.2 |
|
- international systems, of which: |
3 603.4 |
4 174.7 |
|
Visa International |
2 835.9 |
3 453.5 |
|
MasterCard Worldwide |
763.1 |
714.8 |
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Number of POS-terminals, of which: |
22 913 |
25 914 |
|
- at business enterprises |
18 445 |
21 156 |
|
- in banks |
4 468 |
4 758 |
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Number of imprinters, of which: |
831 |
711 |
|
- at business enterprises |
441 |
401 |
|
- in banks |
390 |
310 |
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Number of ATMs |
6 956 |
7 605 |
|
Number of business enterprises |
10 089 |
10 721 |
|
Monthly balances on which the transactions using payment cards (mln.KZT) |
120 381.8 |
153 939.1 |
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Table 2 |
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Figures |
As of January 1, 2011 |
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Total number of cards in circulation (thousand) |
Number of card holders (thousand) |
Number of the used payment cards (thousand) |
|
|
Total on the Republic |
8 381.4 |
7 720.6 |
4 266.4 |
|
Akmola |
258.5 |
245.1 |
159.1 |
|
Aktubinsk |
465.4 |
440.9 |
238.3 |
|
Almaty |
293.7 |
279.2 |
168.3 |
|
Atyrau |
415.8 |
383.4 |
201.0 |
|
East Kazakhstan |
661.4 |
621.4 |
358.0 |
|
Jambul |
315.7 |
304.7 |
192.9 |
|
West Kazakhstan |
297.3 |
279.0 |
147.3 |
|
Karaganda |
812.7 |
768.3 |
432.1 |
|
Kostanai |
324.0 |
309.0 |
184.9 |
|
Kyzylorda |
298.5 |
283.6 |
181.2 |
|
Mangistau |
397.1 |
367.4 |
201.2 |
|
Pavlodar |
451.0 |
415.4 |
242.0 |
|
North Kazakhstan |
207.2 |
195.9 |
113.9 |
|
South Kazakhstan |
565.6 |
536.8 |
303.9 |
|
Almaty (city) |
1 993.6 |
1 727.4 |
846.2 |
|
Astana (city) |
624.0 |
563.1 |
296.2 |
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Table 3 |
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Figures |
As of January 1, 2011 |
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Number of POS-terminals |
Number of imprinters |
Number of ATMs |
Number of business enterprises |
|
|
Total on the Republic |
25 914 |
711 |
7 605 |
10 721 |
|
Akmola |
609 |
4 |
263 |
299 |
|
Aktubinsk |
1 213 |
12 |
417 |
453 |
|
Almaty |
523 |
9 |
303 |
138 |
|
Atyrau |
1 283 |
44 |
443 |
512 |
|
East Kazakhstan |
1 687 |
26 |
607 |
756 |
|
Jambul |
644 |
6 |
272 |
251 |
|
West Kazakhstan |
832 |
17 |
298 |
313 |
|
Karaganda |
1 874 |
24 |
686 |
702 |
|
Kostanai |
782 |
19 |
305 |
322 |
|
Kyzylorda |
418 |
5 |
213 |
181 |
|
Mangistau |
953 |
15 |
383 |
424 |
|
Pavlodar |
1 276 |
17 |
467 |
570 |
|
North Kazakhstan |
660 |
7 |
228 |
287 |
|
South Kazakhstan |
1 142 |
13 |
473 |
425 |
|
Almaty (city) |
8 433 |
417 |
1 490 |
3 422 |
|
Astana (city) |
3 585 |
76 |
757 |
1 666 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the territory of Kazakhstan, in December 2010 (the transactions with American Express International, Diners Club International, Visa International and MasterCard Worldwide payment cards that are distributed by commercial banks of Kazakhstan are not included)
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Table 4 |
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Figures |
December |
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|
Non cash payments |
Withdrawals of cash |
|
|
2009 |
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Volume of payments (thousand), of which: |
2 237.1 |
10 344.7 |
|
- local systems |
49.1 |
250.2 |
|
- international systems, of which: |
2 187.9 |
10 094.6 |
|
Visa International |
1 774.8 |
8 096.8 |
|
MasterCard Worldwide |
410.8 |
1 989.8 |
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Value of payments (mln.KZT), of which: |
35 717.9 |
264 880.6 |
|
- local systems |
855.7 |
6 340.9 |
|
- international systems, of which: |
34 862.3 |
258 539.8 |
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Visa International |
30 472.1 |
212 277.9 |
|
MasterCard Worldwide |
4 330.5 |
46 011.8 |
|
2010 |
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|
Volume of payments (thousand), of which: |
2 738.8 |
11 470.8 |
|
- local systems |
52.7 |
263.5 |
|
- international systems, of which: |
2 686.1 |
11 207.3 |
|
Visa International |
2 250.0 |
9 438.8 |
|
MasterCard Worldwide |
432.6 |
1 759.5 |
|
Value of payments (mln.KZT), of which: |
44 153.3 |
326 727.4 |
|
- local systems |
1 466.7 |
7 378.3 |
|
- international systems, of which: |
42 686.5 |
319 349.0 |
|
Visa International |
35 000.0 |
272 947.7 |
|
MasterCard Worldwide |
7 587.7 |
46 083.7 |
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Dynamics in % |
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Volume of payments, of which: |
22.4% |
10.9% |
|
- local systems |
7.3% |
5.3% |
|
- international systems, of which: |
22.8% |
11.0% |
|
Visa International |
26.8% |
16.6% |
|
MasterCard Worldwide |
5.3% |
-11.6% |
|
Value of payments, of which: |
23.6% |
23.3% |
|
- local systems |
71.4% |
16.4% |
|
- international systems, of which: |
22.4% |
23.5% |
|
Visa International |
14.9% |
28.6% |
|
MasterCard Worldwide |
75.2% |
0.2% |
Use of payment cards, issued by the banks of Kazakhstan and foreign banks, in the territory of Kazakhstan, in December 2010 (the transactions with American Express International, Diners Club International, Visa International and MasterCard Worldwide payment cards that are distributed by commercial banks of Kazakhstan are included)
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Table 5 |
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|
Figures |
December |
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|
Non cash payments |
Withdrawals of cash |
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Volume of payments (thousand) |
Value of payments (mln.KZT) |
Volume of payments (thousand) |
Value of payments (mln.KZT) |
|
|
Total on the Republic |
2 341.0 |
38 180.4 |
11 343.6 |
323 809.3 |
|
Akmola |
26.2 |
879.6 |
386.4 |
9 271.0 |
|
Aktubinsk |
69.3 |
1 274.2 |
652.7 |
17 401.8 |
|
Almaty |
59.4 |
1 733.5 |
421.0 |
11 604.0 |
|
Atyrau |
64.9 |
5 404.3 |
590.3 |
18 016.6 |
|
East Kazakhstan |
160.4 |
1 077.5 |
958.4 |
22 762.3 |
|
Jambul |
60.4 |
1 335.9 |
465.4 |
12 010.1 |
|
West Kazakhstan |
84.6 |
1 556.8 |
424.0 |
10 901.9 |
|
Karaganda |
90.4 |
1 346.5 |
1 098.1 |
26 049.7 |
|
Kostanai |
59.6 |
742.2 |
474.4 |
11 767.7 |
|
Kyzylorda |
90.4 |
1 270.7 |
382.4 |
11 113.5 |
|
Mangistau |
88.8 |
2 137.4 |
590.3 |
21 761.3 |
|
Pavlodar |
104.9 |
1 130.7 |
560.8 |
14 179.9 |
|
North Kazakhstan |
36.9 |
265.5 |
308.7 |
6 980.9 |
|
South Kazakhstan |
51.6 |
1 949.9 |
704.7 |
19 065.8 |
|
Almaty (city) |
1 050.6 |
11 785.8 |
2 325.8 |
77 711.1 |
|
Astana (city) |
242.6 |
4 290.0 |
1 000.3 |
33 211.5 |
