Version ¹19 on 01/10/2010

In the 3 quarter of 2010 both second – tier banks and JSC «Kazpost» performed 48 113.8 thousand transactions to the sum of 31 816.6 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 15.1% and the value of payments increased by 28.1%.

The increase of total volume of payment instruments was mainly specified the increase of volume of payment cards operations by 4 287.3 thousand transactions. The increase of payment value was substantially caused by the growth of payments value performed with payment orders by 7 217.1 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 3 quarter of 2010 came to 2.4 million KZT and compared with the same period of last year has increased by 7.5%. 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 3 quarter of 2010 came to 27.7 thousand KZT).

In the 3 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 3-quarter of 2010

Table 1
(volume in thousands transactions; value in billions KZT)
Payment instruments		3-quarter of 2009		3-quarter of 2010		Change
Payment instruments		Abs.	in percent of total amount	Abs.	in percent of total amount	Change
Payment orders	Volume	10 142.9	24.3%	12 419.0	25.8%	22.4%
Payment orders	Value	22 805.5	91.8%	30 022.7	94.4%	31.6%
Payment request-orders	Volume	53.7	0.1%	52.3	0.1%	-2.6%
Payment request-orders	Value	106.4	0.4%	163.9	0.5%	54.1%
Collection orders	Volume	80.8	0.2%	280.3	0.6%	by 3.5 times
Collection orders	Value	100.4	0.4%	120.2	0.4%	19.7%
Payment cards	Volume	30 023.8	71.8%	34 311.1	71.3%	14.3%
Payment cards	Value	694.7	2.8%	882.6	2.8%	27.0%
Other payment instruments	Volume	1 501.8	3.6%	1 051.1	2.2%	-30.0%
Other payment instruments	Value	1 125.6	4.5%	627.2	2.0%	-44.3%
Total	Volume	41 803.0	100.0%	48 113.8	100.0%	15.1%
Total	Value	24 832.7	100.0%	31 816.6	100.0%	28.1%

Use of payments instruments in a cut of regions in the 3-quarter of 2010 (volume of transactions)

Table 2
(in unit transactions)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	1 430 333	6 687	27 173	95 225
Aktubinsk	580 987	2 246	7 906	37 388
Almaty	4 970 388	19 303	121 450	158 243
Atyrau	509 984	2 349	6 001	37 357
East Kazakhstan	700 508	2 130	12 902	68 236
Jambul	279 667	1 178	19 371	132 437
West Kazakhstan	416 420	4 152	2 932	25 149
Karaganda	897 210	2 795	41 171	130 156
Kostanai	530 321	1 147	6 319	112 903
Kyzylorda	304 205	1 113	6 761	14 319
Mangistau	441 881	2 590	4 020	47 144
Pavlodar	496 738	1 386	5 375	95 538
North Kazakhstan	342 487	799	11 939	24 683
South Kazakhstan	517 844	4 418	6 982	72 320
Total	12 418 973	52 293	280 302	1 051 098

Use of payments instruments on regions in the 3-quarter of 2010 (value of transactions)

Table 3
(in million KZT)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	7 123 532.7	1 054.1	6 209.6	27 117.6
Aktubinsk	705 859.1	1 183.9	736.3	31 153.8
Almaty	17 834 125.0	131 312.2	100 676.5	489 331.3
Atyrau	443 151.4	30.0	396.0	3 423.4
East Kazakhstan	404 384.5	185.3	198.1	1 822.9
Jambul	143 583.2	1 956.6	4 948.9	1 212.3
West Kazakhstan	254 682.4	246.4	294.8	18 218.4
Karaganda	625 839.6	1 066.7	981.8	6 310.8
Kostanai	574 724.1	115.5	125.9	30 030.8
Kyzylorda	202 349.9	20 994.1	486.7	1 014.0
Mangistau	505 092.3	592.9	3 214.8	3 324.5
Pavlodar	666 015.0	4 300.3	855.5	6 215.7
North Kazakhstan	159 570.6	148.5	708.0	1 145.0
South Kazakhstan	379 744.4	723.6	381.9	6 886.2
Total	30 022 654.2	163 910.0	120 214.7	627 206.7