Version ¹16 on 01/01/2010

In the 4 quarter of 2009 both second – tier banks and JSC «Kazpost» performed 44 514.0 thousand transactions to the sum of 26 073.3 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 12.9% and the value of payments decreased by 6.9%.

The increase of total volume of payment instruments was mainly specified the increase of volume of payment cards operations by 4 387.5 thousand transactions. The decrease of payment value was substantially caused by the growth of payments value performed with payment orders by 1 937.7 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 2009 came to 2.2 million KZT and compared with the same period of last year has decreased by 17.9%. 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 2009 came to 22.9 thousand KZT).

In the 4 quarter of 2009 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 2009

Table 1
(volume in thousands transactions; value in billions KZT)
Payment instruments		4-quarter of 2008		4-quarter of 2009		Change
Payment instruments		Abs.	in percent of total amount	Abs.	in percent of total amount	Change
Payment orders	Volume	9 643.0	24.5%	10 878.1	24.4%	12.8%
Payment orders	Value	26 247.0	93.7%	24 309.3	93.2%	-7.4%
Payment request-orders	Volume	96.2	0.2%	62.0	0.1%	-35.6%
Payment request-orders	Value	54.3	0.2%	95.1	0.4%	75.1%
Collection orders	Volume	205.8	0.5%	94.3	0.2%	-54.2%
Collection orders	Value	46.6	0.2%	60.4	0.2%	29.4%
Payment cards	Volume	27 763.7	70.4%	32 151.2	72.2%	15.8%
Payment cards	Value	657.0	2.3%	735.6	2.8%	12.0%
Other payment instruments	Volume	1 728.9	4.4%	1 328.4	3.0%	-23.2%
Other payment instruments	Value	1 014.9	3.6%	872.9	3.3%	-14.0%
Total	Volume	39 437.6	100.0%	44 514.0	100.0%	12.9%
Total	Value	28 019.7	100.0%	26 073.3	100.0%	-6.9%

Use of payments instruments in a cut of regions in the 4-quarter of 2009 (volume of transactions)

Table 2
(in unit transactions)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	1 264 536	8 165	9 260	93 260
Aktubinsk	530 062	2 634	3 957	30 378
Almaty	273 049	1 297	15 684	143 050
Atyrau	3 955 575	24 875	19 674	405 659
East Kazakhstan	331 687	705	2 626	26 903
Jambul	636 613	2 489	7 090	65 746
West Kazakhstan	385 716	4 692	2 743	24 694
Karaganda	901 013	3 228	8 926	128 200
Kostanai	537 741	1 432	2 811	145 101
Kyzylorda	469 381	1 802	5 512	91 472
Mangistau	454 345	3 501	4 134	85 250
Pavlodar	472 468	2 038	2 054	33 246
North Kazakhstan	269 951	1 536	4 988	15 516
South Kazakhstan	395 923	3 620	4 815	39 944
Total	10 878 060	62 014	94 274	1 328 419

Use of payments instruments on regions in the 4-quarter of 2009 (value of transactions)

Table 3
(in million KZT)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	5 192 040.2	3 676.7	12 702.5	46 116.4
Aktubinsk	550 090.6	2 360.3	1 016.4	49 870.3
Almaty	121 511.2	1 899.5	4 867.3	826.2
Atyrau	14 382 562.3	67 880.3	19 468.3	561 778.6
East Kazakhstan	131 075.0	1 749.3	475.7	1 466.3
Jambul	772 340.3	454.4	517.0	3 469.8
West Kazakhstan	252 865.3	444.1	520.1	5 005.1
Karaganda	578 641.7	1 345.2	6 902.0	148 460.3
Kostanai	365 923.3	474.6	208.1	31 315.8
Kyzylorda	477 725.4	1 985.2	1 243.0	7 432.1
Mangistau	285 663.7	558.4	278.9	8 313.8
Pavlodar	437 915.7	1 421.2	2 961.9	4 675.8
North Kazakhstan	250 723.0	9 144.1	1 962.7	1 408.7
South Kazakhstan	510 183.6	1 718.4	7 246.1	2 808.9
Total	24 309 261.2	95 111.6	60 370.0	872 948.4