Version ¹60 on 01/11/2008
As of November 1, 2008, 19 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» and JSC «ATF Bank»; SmartAlemCard – by JSC «ВТА Bank»; TemirCard – by JSC «Темirbаnк», JSC «Citybank Kazakhstan» and JSC «Tsesnabank». 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 November 1, 2008, the number of cards, issued by banks of Kazakhstan, was 6.9 million, the number of card holders was 6.5 million (growth - by 30.2% and 26.8% 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 97.3% and the local cards – 2.7% respectively. As of November 1, 2007 this ratio was 97.3% and 3.7% correspondingly.
In October 2008 value of transactions using payment cards issued by banks of Kazakhstan was KZT 226.9 billion (35.3% growth in comparison with the same period of the previous year). In October 2008 volume of transactions was 9.1 million transactions (growth - by 17.5% in comparison with the same period of the last year). You can observe advanced growth of the volume and value of cashless payments (by 22.1% to 1.5 million transactions and 2.4 as much times to 48.1 billion tenge) in comparison with growth and value of the volume of cash withdrawal transactions (by 16.6% to 7.6 million transactions and by 21.3% to 178.7 billion tenge).
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 November 1, 2007 |
As of November 1, 2008 |
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Total number of cards in circulation (thousand), of which: |
5331.1 |
6 943.1 |
|
- local systems |
198.0 |
185.8 |
|
- international systems, of which: |
5133.1 |
6 757.3 |
|
Visa International |
3948.9 |
5 403.0 |
|
Europay International |
1182.6 |
1 348.9 |
|
Number of card holders (thousand), of which: |
5119.4 |
6 489.8 |
|
- local systems |
189.9 |
149.2 |
|
- international systems, of which: |
4929.5 |
6 340.6 |
|
Visa International |
3776.6 |
5 060.0 |
|
Europay International |
1151.5 |
1 275.5 |
|
Number of the used payment cards (thousand),of which: |
2814.7 |
3 068.8 |
|
- local systems |
102.5 |
55.7 |
|
- international systems, of which: |
2712.2 |
3 013.1 |
|
Visa International |
2113.1 |
2 364.8 |
|
Europay International |
598.4 |
645.9 |
|
Number of POS-terminals, of which: |
15 362 |
19 586 |
|
- at business enterprises |
12 246 |
15 743 |
|
- in banks |
3 116 |
3 843 |
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Number of imprinters, of which: |
1 021 |
906 |
|
- at business enterprises |
593 |
508 |
|
- in banks |
428 |
398 |
|
Number of ATMs |
3 659 |
5 981 |
|
Number of business enterprises |
7 013 |
8 714 |
|
Average monthly balance on card accounts (mln.KZT) |
74 680.6 |
104 950.5 |
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Table 2 |
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Figures |
As of November 1, 2008 |
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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 |
6 934.9 |
6 386.9 |
3 073.6 |
|
Akmola |
218.9 |
205.0 |
121.2 |
|
Aktubinsk |
367.3 |
321.2 |
146.3 |
|
Almaty |
203.4 |
193.4 |
99.1 |
|
Atyrau |
330.4 |
298.3 |
159.4 |
|
East Kazakhstan |
579.4 |
543.6 |
290.7 |
|
Jambul |
270.3 |
261.9 |
143.4 |
|
West Kazakhstan |
223.3 |
205.4 |
103.9 |
|
Karaganda |
797.0 |
757.3 |
352.8 |
|
Kostanai |
248.5 |
234.2 |
132.5 |
|
Kyzylorda |
206.0 |
197.2 |
116.4 |
|
Mangistau |
322.1 |
277.4 |
150.5 |
|
Pavlodar |
389.7 |
360.4 |
191.3 |
|
North Kazakhstan |
165.2 |
154.8 |
83.7 |
|
South Kazakhstan |
435.7 |
410.3 |
180.6 |
|
Almaty (city) |
1 654.5 |
1 494.3 |
581.3 |
|
Astana (city) |
523.1 |
472.0 |
220.5 |
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Table 3 |
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Figures |
As of November 1, 2008 |
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|
Number of POS-terminals |
Number of imprinters |
Number of ATMs |
Number of business enterprises |
|
|
Total on the Republic |
19 586 |
906 |
5 981 |
8 714 |
|
Akmola |
516 |
5 |
208 |
277 |
|
Aktubinsk |
1 099 |
17 |
362 |
451 |
|
Almaty |
347 |
7 |
239 |
107 |
|
Atyrau |
971 |
52 |
322 |
421 |
|
East Kazakhstan |
1 402 |
28 |
502 |
679 |
|
Jambul |
504 |
6 |
205 |
220 |
|
West Kazakhstan |
682 |
19 |
231 |
251 |
|
Karaganda |
1 546 |
27 |
519 |
668 |
|
Kostanai |
638 |
20 |
244 |
256 |
|
Kyzylorda |
376 |
6 |
170 |
213 |
|
Mangistau |
685 |
18 |
288 |
355 |
|
Pavlodar |
1 155 |
14 |
382 |
529 |
|
North Kazakhstan |
560 |
9 |
183 |
287 |
|
South Kazakhstan |
1 064 |
14 |
332 |
426 |
|
Almaty (city) |
5 611 |
565 |
1 262 |
2 333 |
|
Astana (city) |
2 430 |
99 |
532 |
1 241 |
Use of payment cards, issued by the banks of Kazakhstan, in and outside the territory of Kazakhstan, in October 2008 (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)
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Table 4 |
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Figures |
October |
|
|
Non cash payments |
Withdrawals of cash |
|
|
2007 |
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Volume of payments (thousand), of which: |
1 215.0 |
6 489.6 |
|
- local systems |
32.7 |
195.1 |
|
- international systems, of which: |
1 182.3 |
6 294.6 |
|
Visa International |
941.7 |
4 947.1 |
|
Europay International |
240.3 |
1 342.8 |
|
Value of payments (mln.KZT), of which: |
20 298.9 |
147 308.5 |
|
- local systems |
679.3 |
4 027.9 |
|
- international systems, of which: |
19 619.7 |
143 280.6 |
|
Visa International |
16 844.9 |
114 551.7 |
|
Europay International |
2 770.0 |
28 625.4 |
|
2008 |
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|
Volume of payments (thousand), of which: |
1 483.4 |
7 569.3 |
|
- local systems |
34.5 |
204.0 |
|
- international systems, of which: |
1 448.9 |
7 365.3 |
|
Visa International |
1 159.2 |
5 943.0 |
|
Europay International |
288.7 |
1 414.1 |
|
Value of payments (mln.KZT), of which: |
48 116.7 |
178 733.9 |
|
- local systems |
596.7 |
4 580.9 |
|
- international systems, of which: |
47 520.1 |
174 153.1 |
|
Visa International |
22 192.7 |
144 842.1 |
|
Europay International |
25 310.7 |
29 167.8 |
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Dynamics in % |
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Volume of payments, of which: |
22.1% |
16.6% |
|
- local systems |
5.5% |
4.6% |
|
- international systems, of which: |
22.5% |
17.0% |
|
Visa International |
23.1% |
20.1% |
|
Europay International |
20.1% |
5.3% |
|
Value of payments, of which: |
by 2.4 times |
21.3% |
|
- local systems |
-12.2% |
13.7% |
|
- international systems, of which: |
by 2.4 times |
21.5% |
|
Visa International |
31.7% |
26.4% |
|
Europay International |
by 9.1 times |
1.9% |
Use of payment cards, issued by the banks of Kazakhstan and foreign banks, in the territory of Kazakhstan, in October 2008 (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)
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Table 5 |
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|
Figures |
October |
|||
|
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 |
1 368.2 |
45 147.2 |
7 509.9 |
175 108.2 |
|
Akmola |
23.1 |
771.0 |
283.1 |
5 281.0 |
|
Aktubinsk |
36.9 |
1269.3 |
431.3 |
9 737.1 |
|
Almaty |
38.4 |
561.1 |
233.7 |
5 067.0 |
|
Atyrau |
34.9 |
22 152.2 |
411.9 |
10 765.8 |
|
East Kazakhstan |
93.8 |
378.0 |
669.7 |
12 734.7 |
|
Jambul |
29.2 |
260.1 |
294.2 |
5 943.9 |
|
West Kazakhstan |
51.2 |
2 732.9 |
320.2 |
7 197.4 |
|
Karaganda |
56.8 |
1 504.6 |
712.8 |
13 458.0 |
|
Kostanai |
73.4 |
1 570.2 |
403.4 |
8 823.0 |
|
Kyzylorda |
61.1 |
838.7 |
242.8 |
5 541.0 |
|
Mangistau |
33.9 |
2 273.8 |
435.6 |
12 070.2 |
|
Pavlodar |
58.2 |
1 159.7 |
368.8 |
7 291.9 |
|
North Kazakhstan |
31.9 |
1 003.0 |
233.0 |
4 045.5 |
|
South Kazakhstan |
29.3 |
580.2 |
389.9 |
8 610.2 |
|
Almaty (city) |
613.8 |
6 496.4 |
1 554.7 |
45 785.2 |
|
Astana (city) |
102.4 |
1 596.2 |
524.9 |
12 756.3 |
