Version ¹5 on 01/10/2007

In the 3 quarter of 2007both second-tier banks and JSC «Kazpost» performed 33 098 thousand transactions on the sum of 23 179.2 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 23.8% and the value of payments increased by 62.6%.

The increase of total volume of payment instruments was due mainly to an increase inthe volume of payment cards operations by 4 342.7 thousand transactions. The increase of payment value was substantially caused by the growth of payments value performed with payment orders by 8 669.5 billion KZT.

As before, payment orders and payment cards are instruments used most commonly on the territory of Kazakhstan. Herewith the average value of one payment orders in the 3 quarter of 2007 came to 2.4 million KZT and compared with the same period of last year has increased by 40.1%. 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 3 quarter of 2007 came to 22.4 thousand KZT).

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 2007

Table 1
(volume in thousands transactions; value in billions KZT)
Payment instruments		3-quarter of 2006		3-quarter of 2007		Change
Payment instruments		Abs.	in percent of total amount	Abs.	in percent of total amount	Change
Payment orders	Volume	7 722.0	28.9%	9 060.1	27.4%	17.3%
Payment orders	Value	13 476.9	94.6%	22 146.4	95.5%	64.3%
Payment request-orders	Volume	32.3	0.12%	55.9	0.2%	73.2%
Payment request-orders	Value	8.3	0.06%	37.1	0.2%	by 4.5 times
Collection orders	Volume	76.6	0.3%	130.0	0.4%	69.7%
Collection orders	Value	35.2	0.25%	37.1	0.16%	5.5%
Payment cards	Volume	17 013.4	63.6%	21 356.1	64.5%	25.5%
Payment cards	Value	326.3	2.3%	477.8	2.1%	46.4%
Other payment instruments	Volume	1 896.3	7.1%	2 496.0	7.5%	31.6%
Other payment instruments	Value	407.8	2.9%	480.7	2.1%	17.9%
Total	Volume	26 740.6	100.0%	33 098.0	100.0%	23.8%
Total	Value	14 254.5	100.0%	23 179.2	100.0%	62.6%

Use of payments instruments in a cut of regions in the 3-quarter of 2007

(volume of transactions)

Table 2
(in unit transactions)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	1 063 673	4 643	9 107	176 093
Aktubinsk	473 945	3 771	3 516	75 538
Almaty	1 537 618	8 414	12 623	251 631
Atyrau	2 011 563	12 185	16 139	327 169
East Kazakhstan	638 155	2 262	6 855	158 624
Jambul	242 598	921	5 494	151 414
West Kazakhstan	254 295	4 951	5 104	120 614
Karaganda	496 893	5 872	10 598	272 028
Kostanai	471 135	1 104	5 417	128 150
Kyzylorda	204 238	669	5 312	28 766
Mangistau	675 373	1 773	10 729	156 916
Pavlodar	879 611	2 442	16 041	185 682
North Kazakhstan	310 978	293	3 184	50 810
South Kazakhstan	359 576	3 411	8 518	168 262
Total	9 060 050	55 913	129 960	2 495 970

Use of payments instruments on regions in the 3-quarter of 2007

(value of transactions)

Table 3
(in billion KZT)
Region	Payment orders	Payment request-orders	Collection orders	Other payment instruments
Akmola	2 474 259.5	972.6	2 689.1	34 228.1
Aktubinsk	395 564.4	491.6	270.6	65 099.2
Almaty	2 869 823.9	1 464.1	2 959.7	99 327.2
Atyrau	3 265 388.3	1 955.7	3 230.2	164 426.4
East Kazakhstan	345 556.7	178.7	647.5	11 360.6
Jambul	107 800.9	783.9	440.4	3 944.1
West Kazakhstan	111 674.8	1 898.9	379.2	63 294.5
Karaganda	219 475.7	2 682.9	819.6	67 238.6
Kostanai	253 643.4	425.1	624.2	21 250.6
Kyzylorda	284 888.0	191.2	935.0	3 450.5
Mangistau	538 531.4	616.2	1 559.2	24 701.1
Pavlodar	823 419.4	807.4	2 494.2	28 151.6
North Kazakhstan	133 112.8	67.1	2 395.3	4 300.1
South Kazakhstan	229 267.4	1 078.3	1 492.1	13 774.7
Total	22 146 407.6	37 142.4	37 146.7	480 715.4