Version ¹20 on 01/01/2011

In the 4 quarter of 2010 both second – tier banks and JSC «Kazpost» performed 52 304.2 thousand transactions to the sum of 32 962.5 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 14.6% and the value of payments increased by 26.2%.

The increase of total volume of payment instruments was mainly specified the increase of volume of payment cards operations by 4 511.8 thousand transactions. The increase of payment value was substantially caused by the growth of payments value performed with payment orders by 6 205.8 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 4 quarter of 2010 came to 2.3 million KZT and compared with the same period of last year has increased by 3.5%. 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 2010 came to 25.6 thousand KZT).

In the 4 quarter of 2010 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 4-quarter of 2010

Table 1
(volume in thousands transactions; value in billions KZT)
Payment instruments		4-quarter of 2009		4-quarter of 2010		Change
Payment instruments		Abs.	in percent of total amount	Abs.	in percent of total amount	Change
Payment orders	Volume	10 878.1	23.8%	13 197.9	25.2%	21.3%
Payment orders	Value	24 309.3	93.1%	30 515.1	92.6%	25.5%
Payment request-orders	Volume	62.0	0.1%	54.6	0.1%	-12.0%
Payment request-orders	Value	95.1	0.4%	534.9	1.6%	by 5.6 times
Collection orders	Volume	94.3	0.2%	237.4	0.5%	by 2.5 times
Collection orders	Value	60.4	0.2%	120.0	0.4%	98.7%
Payment cards	Volume	33 279.6	72.9%	37 791.5	72.3%	13.6%
Payment cards	Value	773.9	3.0%	966.3	2.9%	24.9%
Other payment instruments	Volume	1 328.4	2.9%	1 022.8	2.0%	-23.0%
Other payment instruments	Value	872.9	3.3%	826.3	2.5%	-5.3%
Total	Volume	45 642.4	100.0%	52 304.2	100.0%	14.6%
Total	Value	26 111.6	100.0%	32 962.5	100.0%	26.2%

Use of payments instruments in a cut of regions in the 4-quarter of 2010 (volume of transactions)

Table 2
(in unit transactions)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	1 414 815	8 314	16 221	91 263
Aktubinsk	617 584	1 983	5 019	34 899
Almaty	5 463 531	18 782	125 893	158 491
Atyrau	535 319	2 408	6 119	34 415
East Kazakhstan	722 263	2 058	8 805	63 409
Jambul	289 580	1 510	17 835	137 896
West Kazakhstan	423 864	4 778	2 621	23 588
Karaganda	927 369	3 110	23 008	124 085
Kostanai	537 722	1 157	1 254	114 616
Kyzylorda	316 429	1 472	7 067	13 190
Mangistau	468 763	2 775	3 256	42 470
Pavlodar	516 688	1 416	3 139	92 339
North Kazakhstan	353 380	826	9 235	23 867
South Kazakhstan	610 569	4 011	7 975	68 280
Total	13 197 876	54 600	237 447	1 022 808

Use of payments instruments on regions in the 4-quarter of 2010 (value of transactions)

Table 3
(in million KZT)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	5 947 504.0	266.1	4 301.0	91 959.4
Aktubinsk	940 433.6	5 985.0	554.5	44 891.8
Almaty	18 244 854.2	482 341.8	91 055.9	596 875.1
Atyrau	501 169.9	55.2	4 807.5	4 088.6
East Kazakhstan	551 802.6	222.5	522.6	1 985.7
Jambul	154 614.3	4 078.6	4 900.3	1 193.9
West Kazakhstan	284 674.4	264.0	2 690.2	22 345.9
Karaganda	1 004 211.6	861.0	1 437.2	5 456.5
Kostanai	600 880.5	19 006.6	111.1	39 062.2
Kyzylorda	232 361.3	8 964.2	664.1	1 021.4
Mangistau	695 497.2	134.0	6 202.7	3 044.8
Pavlodar	761 209.5	711.7	1 089.8	6 154.7
North Kazakhstan	183 646.7	712.4	539.5	1 174.8
South Kazakhstan	412 216.8	11 307.6	1 082.6	7 037.7
Total	30 515 076.6	534 910.8	119 958.9	826 292.4