Version ¹11 on 01/10/2008
In the 3 quarter of 2008 both second – tier banks and JSC «Kazpost» performed 36 550.4 thousand transactions to the sum of 30 909.9 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 12.5% and the value of payments increased by 23.3%.
The increase of total volume of payment instruments was mainly specified the increase of volume of payment cards operations by 4 253.9 thousand transactions. The increase of payment value was substantially caused by the growth of payments value performed with payment orders by 7 353.9 billion KZT.
As before, payment orders and payment cards are the payment instruments used most commonly on the territory of Kazakhstan. Herewith the average value of one payment orders in the 3 quarter of 2008 came to 3.2 million KZT and compared with the same period of last year has increased by 30.4%. 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 2008 came to 22.8 thousand KZT).
In the 3 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 3-quarter of 2008
|
Table 1 |
||||||
|
(volume in thousands transactions; value in billions KZT) |
||||||
|
Payment instruments |
3-quarter of 2007 |
3-quarter of 2008 |
Change |
|||
|
Abs. |
in percent of total amount |
Abs. |
in percent of total amount |
|||
|
Payment orders
|
Volume |
9 075.3 |
27.94% |
9 266.7 |
25.35% |
2.1% |
|
Value |
22 183.2 |
95.68% |
29 537.1 |
95.56% |
33.2% |
|
|
Payment request-orders
|
Volume |
55.9 |
0.17% |
128.3 |
0.35% |
by 2.3 times |
|
Value |
37.1 |
0.16% |
77.7 |
0.25% |
by 2.1 times |
|
|
Collection orders
|
Volume |
130.4 |
0.40% |
186.7 |
0.51% |
43.2% |
|
Value |
37.2 |
0.16% |
57.6 |
0.19% |
55.0% |
|
|
Payment cards
|
Volume |
20 728.9 |
63.81% |
24 982.8 |
68.35% |
20.5% |
|
Value |
445.8 |
1.92% |
569.4 |
1.84% |
27.7% |
|
|
Other payment instruments |
Volume |
2 496.0 |
7.68% |
1 985.9 |
5.43% |
-20.4% |
|
Value |
480.7 |
2.07% |
668.1 |
2.16% |
39.0% |
|
|
Total |
Volume |
32 486.5 |
100.00% |
36 550.4 |
100.00% |
12.5% |
|
Value |
23 184.0 |
100.00% |
30 909.9 |
100.00% |
33.3% |
|
Use of payments instruments in a cut of regions in the 3-quarter of 2008
(volume of transactions)
|
Table 2 |
||||
|
(in unit transactions) |
||||
|
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
|
Akmola |
1 174 648 |
33 896 |
18 509 |
138 951 |
|
Aktubinsk |
488 216 |
3 039 |
6 928 |
60 335 |
|
Almaty |
248 315 |
2 512 |
7 789 |
152 143 |
|
Atyrau |
3 019 587 |
32 289 |
64 498 |
688 212 |
|
East Kazakhstan |
321 853 |
2 319 |
3 623 |
41 520 |
|
Jambul |
631 013 |
4209 |
7 920 |
115 821 |
|
West Kazakhstan |
268 279 |
5 058 |
5 526 |
52 312 |
|
Karaganda |
808 637 |
11 829 |
21 454 |
211 025 |
|
Kostanai |
485 569 |
9500 |
4 174 |
126 689 |
|
Kyzylorda |
428 021 |
5653 |
9 460 |
133 880 |
|
Mangistau |
399 123 |
4 384 |
10 730 |
125 657 |
|
Pavlodar |
414 708 |
5 824 |
6 155 |
57 209 |
|
North Kazakhstan |
220 286 |
1329 |
7 180 |
22 469 |
|
South Kazakhstan |
358 441 |
6 430 |
12 776 |
59 671 |
|
Total |
9 266 696 |
128 271 |
186 722 |
1 985 894 |
Use of payments instruments on regions in the 3-quarter of 2008
(value of transactions)
|
Table 3 |
||||
|
(in billion KZT) |
||||
|
Region |
Payment orders |
Payment request-orders |
Collection orders |
Other payment instruments |
|
Akmola |
5 498 285.7 |
19 530.0 |
15 993.8 |
29 522.8 |
|
Aktubinsk |
532 487.4 |
4 955.4 |
5 927.0 |
102 471.3 |
|
Almaty |
116 344.7 |
7 003.0 |
247.5 |
2 091.6 |
|
Atyrau |
18 474 965.8 |
15 274.5 |
17 478.6 |
335 055.2 |
|
East Kazakhstan |
155 278.4 |
569.9 |
402.4 |
3 089.4 |
|
Jambul |
427 645.9 |
1 972.5 |
1 399.2 |
6 628.4 |
|
West Kazakhstan |
209 696.7 |
2 481.9 |
4 245.1 |
48 456.1 |
|
Karaganda |
1 010 617.2 |
3 260.0 |
1 474.6 |
75 858.4 |
|
Kostanai |
516 636.5 |
6 701.7 |
483.0 |
26 095.0 |
|
Kyzylorda |
477 300.0 |
2 905.3 |
2 455.0 |
14 320.3 |
|
Mangistau |
335 047.6 |
1 842.0 |
346.5 |
8 436.9 |
|
Pavlodar |
435 529.3 |
2 631.9 |
1 295.3 |
9 075.4 |
|
North Kazakhstan |
943 525.5 |
6 243.8 |
3 433.0 |
1 624.8 |
|
South Kazakhstan |
403 779.8 |
2 301.9 |
2 445.1 |
5 413.5 |
|
Total |
29 537 140.5 |
77 673.6 |
57 626.0 |
668 138.9 |
