Version ¹12 on 01/01/2009
In the 4 quarter of 2008 both second – tier banks and JSC «Kazpost» performed 39 437.6 thousand transactions to the sum of 28 019.8 billion KZT with the application of payment instruments presented in Table 1. In whole the use of various payment instruments has been increased. Compared with the similar period of the previous year the volume of transactions increased by 8.3% and the value of payments increased by 16.3%.
The increase of total volume of payment instruments was mainly specified the increase of volume of payment cards operations by 3 203.4 thousand transactions. The increase of payment value was substantially caused by the growth of payments value performed with payment orders by 3 315.6 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 2008 came to 2.7 million KZT and compared with the same period of last year has increased by 10.1%. 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 2008 came to 23.7 thousand KZT).
In the 4 quarter of 2008 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 2008
|
Table 1 |
||||||
|
(volume in thousands transactions; value in billions KZT) |
||||||
|
Payment instruments |
4-quarter of 2007 |
4-quarter of 2008 |
Change |
|||
|
Abs. |
in percent of total amount |
Abs. |
in percent of total amount |
|||
|
Payment orders
|
Volume |
9 279.8 |
25.5% |
9 643.0 |
24.5% |
3.9% |
|
Value |
22 931.4 |
95.1% |
26 247.0 |
93.7% |
14.5% |
|
|
Payment request-orders
|
Volume |
98.8 |
0.3% |
96.2 |
0.2% |
-2.6% |
|
Value |
61.6 |
0.3% |
54.3 |
0.2% |
-11.9% |
|
|
Collection orders
|
Volume |
168.2 |
0.5% |
205.8 |
0.5% |
22.4% |
|
Value |
64.2 |
0.3% |
46.6 |
0.2% |
-27.4% |
|
|
Payment cards
|
Volume |
24 560.3 |
67.4% |
27 763.7 |
70.4% |
13.0% |
|
Value |
535.9 |
2.2% |
657.0 |
2.3% |
22.6% |
|
|
Other payment instruments |
Volume |
2 321.6 |
6.4% |
1 728.9 |
4.4% |
-25.5% |
|
Value |
509.7 |
2.1% |
1 014.9 |
3.6% |
99.1% |
|
|
Total |
Volume |
36 428.6 |
100.0% |
39 437.6 |
100.0% |
8.3% |
|
Value |
24 102.8 |
100.0% |
28 019.8 |
100.0% |
16.3% |
|
Use of payments instruments in a cut of regions in the 4-quarter of 2008 (volume of transactions)
|
Table 2 |
||||
|
(in unit transactions) |
||||
|
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
|
Akmola |
1 137 435 |
18 523 |
26 199 |
134 094 |
|
Aktubinsk |
543 514 |
3 330 |
9 176 |
57 996 |
|
Almaty |
262 212 |
2 008 |
7 815 |
153 831 |
|
Atyrau |
3 154 782 |
31 307 |
67 331 |
489 199 |
|
East Kazakhstan |
331 152 |
1 281 |
3 583 |
38 610 |
|
Jambul |
631 410 |
3 409 |
8 346 |
107 806 |
|
West Kazakhstan |
317 870 |
5 116 |
5 200 |
47 043 |
|
Karaganda |
813 539 |
6 964 |
21 598 |
194 273 |
|
Kostanai |
511 763 |
4 540 |
4 104 |
134 001 |
|
Kyzylorda |
446 034 |
4 006 |
9 905 |
123 982 |
|
Mangistau |
436 826 |
5 675 |
14 537 |
118 732 |
|
Pavlodar |
439 268 |
3 484 |
5 372 |
50 883 |
|
North Kazakhstan |
242 311 |
1 327 |
9 191 |
22 105 |
|
South Kazakhstan |
374 918 |
5 276 |
13 433 |
56 302 |
|
Total |
9 643 034 |
96 246 |
205 790 |
1 728 857 |
Use of payments instruments on regions in the 4-quarter of 2008 (value of transactions)
|
Table 3 |
||||
|
(in billion KZT) |
||||
|
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
|
Akmola |
5 395 304.5 |
6 002.3 |
3 618.7 |
40 278.5 |
|
Aktubinsk |
541 963.2 |
1 417.7 |
2 431.7 |
65 232.1 |
|
Almaty |
134 732.3 |
1 919.9 |
573.6 |
1 885.4 |
|
Atyrau |
15 948 662.8 |
14 582.5 |
17 605.1 |
610 079.3 |
|
East Kazakhstan |
154 116.6 |
915.9 |
957.3 |
2 740.9 |
|
Jambul |
388 193.1 |
1 543.4 |
380.0 |
5 390.4 |
|
West Kazakhstan |
191 151.9 |
866.6 |
10 635.1 |
55 286.8 |
|
Karaganda |
719 573.3 |
4 186.8 |
3 940.0 |
173 330.7 |
|
Kostanai |
615 869.8 |
2 722.8 |
611.6 |
26 545.7 |
|
Kyzylorda |
584 585.8 |
8 168.7 |
1 516.5 |
11 290.6 |
|
Mangistau |
298 391.6 |
1 150.4 |
758.3 |
7 481.9 |
|
Pavlodar |
397 213.4 |
2 600.7 |
1 327.9 |
9 205.9 |
|
North Kazakhstan |
426 848.1 |
6 021.0 |
1 059.0 |
1 672.6 |
|
South Kazakhstan |
450 349.0 |
2 213.0 |
1 225.0 |
4 433.5 |
|
Total |
26 246 955.4 |
54 311.8 |
46 639.8 |
1 014 854.4 |
