Version ¹13 on 01/04/2009

In the 1 quarter of 2009 both second – tier banks and JSC «Kazpost» performed 34 795.0 thousand transactions to the sum of 19 643.8 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 7.4% and the value of payments decreased by 17.2%.

The increase of total volume of payment instruments was mainly specified the increase of volume of payment cards operations by 3 034.3 thousand transactions. The decrease of payment value was substantially caused by the growth of payments value performed with payment orders by 4 529.1 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 1 quarter of 2009 came to 2.2 million KZT and compared with the same period of last year has decreased by 20.6%. 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 1 quarter of 2009 came to 22.9 thousand KZT).

In the 1 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 1-quarter of 2009

Table 1
(volume in thousands transactions; value in billions KZT)
Payment instruments		1-quarter of 2008		1-quarter of 2009		Change
Payment instruments		Abs.	in percent of total amount	Abs.	in percent of total amount	Change
Payment orders	Volume	8 249.6	25.5%	8 324.8	23.9%	0.9%
Payment orders	Value	22 765.6	95.9%	18 236.6	92.8%	-19.9%
Payment request-orders	Volume	105.2	0.3%	37.0	0.1%	-64.8%
Payment request-orders	Value	57.0	0.2%	48.1	0.2%	-15.6%
Collection orders	Volume	172.5	0.5%	66.3	0.2%	-61.6%
Collection orders	Value	86.7	0.4%	36.5	0.2%	-57.8%
Payment cards	Volume	21 770.1	67.2%	24 804.4	71.3%	13.9%
Payment cards	Value	442.9	1.9%	523.0	2.7%	18.1%
Other payment instruments	Volume	2 094.2	6.5%	1 562.5	4.5%	-25.4%
Other payment instruments	Value	378.4	1.6%	799.5	4.1%	by 2.1 times
Total	Volume	32 391.5	100.0%	34 795.0	100.0%	7.4%
Total	Value	23 730.6	100.0%	19 643.8	100.0%	-17.2%

Use of payments instruments in a cut of regions in the 1-quarter of 2009 (volume of transactions)

Table 2
(in unit transactions)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	983 622	3 419	7 811	117 887
Aktubinsk	454 324	1 508	1 100	51 572
Almaty	2 693 595	14 835	12 921	461 142
Atyrau	376 122	1 147	1 077	43 359
East Kazakhstan	561 239	2 035	3 454	98 851
Jambul	244 630	804	10 648	139 623
West Kazakhstan	286 363	3 610	3 748	42 362
Karaganda	730 213	1 967	5 729	174 679
Kostanai	438 930	611	764	119 537
Kyzylorda	199 527	758	4 255	20 739
Mangistau	310 541	2 243	3 694	51 129
Pavlodar	376 747	1 169	4 880	106 544
North Kazakhstan	275 307	409	894	33 440
South Kazakhstan	393 623	2 486	5 330	101 642
Total	8 324 783	37 001	66 305	1 562 506

Use of payments instruments on regions in the 1-quarter of 2009 (value of transactions)

Table 3
(in million KZT)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	4 197 451.3	12 993.7	2 637.5	50 507.5
Aktubinsk	350 519.2	1 199.4	138.2	35 415.2
Almaty	10 461 134.4	12 897.0	18 750.3	266 014.9
Atyrau	308 614.0	6 418.7	282.5	7 349.5
East Kazakhstan	286 914.4	399.6	367.1	4 611.4
Jambul	89 612.8	877.0	962.4	1 774.4
West Kazakhstan	148 658.0	616.7	666.4	49 896.2
Karaganda	563 584.0	205.4	1 721.7	338 383.5
Kostanai	325 581.3	435.1	102.5	20 780.7
Kyzylorda	426 735.2	5 217.8	163.0	1 704.9
Mangistau	324 310.0	720.9	805.6	3 858.5
Pavlodar	447 828.4	5 852.2	9 554.4	7 575.1
North Kazakhstan	100 153.9	184.5	231.1	1 738.5
South Kazakhstan	205 491.2	107.9	182.6	9 930.0
Total	18 236 588.2	48 125.9	36 565.3	799 540.2