| Quarterly Payments Summary Of Transactions In Pakistan | ||||||
|---|---|---|---|---|---|---|
| Details | Q4-FY23 | Q1-FY24 | Quarterly Change | |||
| Volume (mn) | Value (PKR bn) | Volume (mn) | Value (PKR bn) | Volume (% QoQ) | Value (% QoQ) | |
| Large-Value Transactions | ||||||
| PRISM Transactions | 1.24 | 183,062.3 | 1.42 | 199,325.8 | 14.8% | 8.9% |
| Funds Transfer | 1.21 | 58,572.9 | 1.40 | 65,388.4 | 16.4% | 11.6% |
| Securities Settlement | 0.02 | 118,438.7 | 0.02 | 133,937.4 | 1.5% | 13.1% |
| Ancillary Clearing Transaction | 0.01 | 6,050.7 | – | – | – | – |
| Retail Transactions | ||||||
| Digital Transactions | 538.8 | 15,812.8 | 561.0 | 17,031.8 | 4.1% | 7.7% |
| Funds Transfer (intra-Bank/EMI)8 | 58.9 | 4,849.1 | 61.3 | 5,262.8 | 3.9% | 8.5% |
| Funds Transfer (inter-Bank/EMI)9 | 154.1 | 5,939.9 | 170.7 | 6,550.9 | 10.8% | 10.3% |
| Point-of-Sale (POS) Purchase | 56.4 | 298.4 | 59.7 | 315.3 | 5.7% | 5.7% |
| E-Commerce Purchase | 8.2 | 37.7 | 9.6 | 39.6 | 17.1% | 4.9% |
| Bill Payment & Mobile Top-up | 33.5 | 434.5 | 35.0 | 596.5 | 4.6% | 37.3% |
| Cash Withdrawal (ATM/CDM) | 214.0 | 3,092.7 | 208.6 | 2,961.7 | -2.5% | -4.2% |
| Cash/ Cheque Deposit (CDM/CCDM) | 0.9 | 98.0 | 1.0 | 106.6 | 11.2% | 8.8% |
| Others | 12.8 | 1,062.3 | 15.2 | 1,198.4 | 18.7% | 12.8% |
| OTC Transactions | 135.0 | 93,607.4 | 141.3 | 116,934.8 | 4.7% | 24.9% |
| Funds Transfer (intra-Bank)8 | 19.9 | 50,697.6 | 23.1 | 74,372.9 | 16.2% | 46.7% |
| Funds Transfer (inter-Bank)9 | 8.9 | 8,670.9 | 7.9 | 8,364.6 | -10.3% | -3.5% |
| Bill Payment | 12.8 | 447.0 | 15.9 | 620.4 | 24.7% | 38.8% |
| Cash Withdrawal (Branch/Agent) | 47.9 | 11,382.4 | 44.8 | 10,251.7 | -6.4% | -9.9% |
| Cash Deposit (Branch/Agent) | 42.9 | 13,188.5 | 47.0 | 14,067.2 | 9.5% | 6.7% |
| Pay Orders/ Demand Drafts | 1.8 | 3,433.4 | 1.8 | 3,470.0 | 0.7% | 1.1% |
| Direct Debit | 0.6 | 4,783.9 | 0.6 | 4,706.7 | -10.4% | -1.6% |
| Others | 0.2 | 1,003.8 | 0.1 | 1,081.3 | -36.3% | 7.7% |
| Payment Card Transactions In Pakistan (Volume in Million & Value in Billion-PKR) | ||||||||
|---|---|---|---|---|---|---|---|---|
| Details | Q2-FY23 | Q3-FY23 | Q4-FY23 | Q1-FY24P | ||||
| Volume | Value | Volume | Value | Volume | Value | Volume | Value | |
| Transactions at ATMs | ||||||||
| Debit Cards | 203.8 | 2,909.8 | 199.7 | 3,038.9 | 217.2 | 3,316.0 | 214.9 | 3,213.6 |
| Credit Cards | 0.1 | 1.8 | 0.1 | 1.6 | 0.1 | 1.6 | 0.1 | 1.8 |
| Pre-Paid Cards | 0.0 | 0.2 | 0.0 | 0.1 | 0.0 | 0.2 | 0.0 | 0.1 |
| Social Welfare Cards | 0.4 | 0.9 | 0.3 | 1.2 | 0.2 | 0.6 | 0.1 | 0.4 |
| Total Transactions | 204.3 | 2,912.7 | 200.2 | 3,041.9 | 217.5 | 3,318.4 | 215.2 | 3,215.9 |
| Transactions at POS Machine (Card Present Transaction) | ||||||||
| Debit Cards | 36.5 | 176.6 | 39.0 | 195.8 | 43.8 | 214.9 | 48.0 | 226.9 |
| Credit Cards | 14.4 | 107.2 | 14.5 | 107.9 | 16.1 | 110.5 | 16.7 | 119.0 |
| Pre-Paid Cards | 0.0 | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Total Transactions | 50.9 | 283.9 | 53.5 | 303.8 | 59.8 | 325.5 | 64.7 | 345.9 |
| Transactions at E-Commerce Platform (Card-not-Present Transaction) | ||||||||
| Debit Cards | 11.8 | 43.2 | 12.0 | 49.8 | 12.6 | 52.0 | 14.1 | 62.3 |
| Credit Cards | 3.7 | 34.6 | 3.6 | 35.9 | 3.5 | 37.7 | 4.3 | 43.6 |
| Pre-Paid Cards | 0.0 | 0.1 | 0.0 | 0.1 | 0.0 | 0.1 | 0.0 | 0.1 |
| Total Transactions | 15.5 | 77.9 | 15.6 | 85.7 | 16.1 | 89.8 | 18.5 | 106.0 |
| Pakistan: Composition Of Payment Cards (In unit number) | ||||
|---|---|---|---|---|
| Payment Card Category | Q2-FY23R | Q3-FY23R | Q4-FY23R | Q1-FY24P |
| A – Total Cards issued by Banks/ MFBs | 44,696,632 | 45,995,943 | 44,466,703 | 45,679,593 |
| Credit Cards | 1,913,776 | 1,931,345 | 2,013,118 | 2,069,692 |
| Debit Cards | 32,524,158 | 34,737,526 | 33,872,829 | 35,112,867 |
| Pre-Paid Cards | 99,124 | 96,339 | 95,358 | 90,965 |
| Social Welfare Cards | 10,159,574 | 9,230,733 | 8,485,398 | 8,406,069 |
| B – Total Cards issued by EMIs | 1,824,596 | 2,372,708 | 2,828,042 | 3,221,682 |
| Debit Cards | 1,824,596 | 2,372,708 | 2,828,042 | 3,221,682 |
| C – Total Cards issued by BBs | 4,174,658 | 4,038,651 | 4,334,792 | 5,389,244 |
| Debit Cards | 3,749,700 | 3,699,234 | 3,991,161 | 4,370,360 |
| Pre-Paid Cards | 4,940 | 7,870 | 13,495 | 21,901 |
| Social Welfare Cards | 420,018 | 331,547 | 330,136 | 996,983 |
| Overall Cards (A+B+C) | 50,695,886 | 52,407,302 | 51,629,537 | 54,290,519 |