Version ¹14 on 01/07/2009

In the 2 quarter of 2009 both second – tier banks and JSC «Kazpost» performed 39 577.2 thousand transactions to the sum of 19 311.0 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 7.6% and the value of payments decreased by 28.7%.

The increase of total volume of payment instruments was mainly specified the increase of volume of payment cards operations by 3 145.8 thousand transactions. The decrease of payment value was substantially caused by the growth of payments value performed with payment orders by 8 583.4 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 2 quarter of 2009 came to 1.8 million KZT and compared with the same period of last year has decreased by 34.6%. 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 2 quarter of 2009 came to 21.3 thousand KZT).

In the 2 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 2-quarter of 2009

Table 1
(volume in thousands transactions; value in billions KZT)
Payment instruments		2-quarter of 2008		2-quarter of 2009		Change
Payment instruments		Abs.	in percent of total amount	Abs.	in percent of total amount	Change
Payment orders	Volume	9 196.5	25.0%	9 416.6	23.8%	2.4%
Payment orders	Value	26 002.7	96.0%	17 419.4	90.2%	-33.0%
Payment request-orders	Volume	145.8	0.4%	57.2	0.1%	-60.8%
Payment request-orders	Value	80.8	0.3%	123.0	0.6%	52.1%
Collection orders	Volume	218.6	0.6%	116.5	0.3%	-46.7%
Collection orders	Value	47.4	0.2%	89.8	0.5%	89.4%
Payment cards	Volume	25 156.1	68.4%	28 301.9	71.5%	12.5%
Payment cards	Value	531.7	2.0%	601.5	3.1%	13.1%
Other payment instruments	Volume	2 055.0	5.6%	1 685.0	4.3%	-18.0%
Other payment instruments	Value	436.9	1.6%	1 077.4	5.6%	by 2.5 times
Total	Volume	36 772.1	100.0%	39 577.2	100.0%	7.6%
Total	Value	27 099.6	100.0%	19 311.0	100.0%	-28.7%

Use of payments instruments in a cut of regions in the 2-quarter of 2009 (volume of transactions)

Table 2
(in unit transactions)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	1 091 195	7 260	14 019	117 675
Aktubinsk	508 107	2 460	3 353	50 821
Almaty	280 412	1 252	13 504	153 300
Atyrau	3 098 694	17 772	27 912	568 637
East Kazakhstan	308 743	936	4 347	33 835
Jambul	600 395	2 489	4 744	96 834
West Kazakhstan	324 427	4 216	3 449	43 768
Karaganda	837 097	2 960	10 021	167 686
Kostanai	506 298	1 586	1 553	125 152
Kyzylorda	431 370	2 386	13 008	110 168
Mangistau	425 612	4 483	5 824	102 036
Pavlodar	419 325	4 452	4 045	44 128
North Kazakhstan	230 694	957	2 724	20 952
South Kazakhstan	354 183	3 951	8 030	49 986
Total	9 416 552	57 160	116 533	1 684 978

Use of payments instruments on regions in the 2-quarter of 2009 (value of transactions)

Table 3
(in million KZT)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	4 559 359.1	39 930.3	6 970.3	36 185.1
Aktubinsk	412 972.2	1 452.6	1 374.0	43 310.4
Almaty	105 838.4	1 616.3	1 629.7	2 504.4
Atyrau	9 316 945.7	7 901.5	30 456.6	273 178.4
East Kazakhstan	109 613.6	332.3	378.6	2 130.5
Jambul	321 214.6	595.0	2 360.2	5 411.7
West Kazakhstan	172 461.6	1 827.4	489.5	47 041.5
Karaganda	532 014.5	2 769.6	3 835.3	614 636.5
Kostanai	363 412.9	5 679.7	82.7	22 734.0
Kyzylorda	371 851.3	6 882.3	22 289.7	8 958.1
Mangistau	251 109.1	2 904.5	278.4	7 257.4
Pavlodar	333 000.6	39 634.4	1 084.6	7 730.5
North Kazakhstan	145 093.4	6 530.1	3 574.3	1 435.7
South Kazakhstan	424 476.7	4 894.8	15 026.0	4 904.2
Total	17 419 363.7	122 950.8	89 829.9	1 077 418.4