Quarterly report on cash & noncash payment instruments Statistics on interbank transactions

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1 Value (EUR) Number Statistics on interbank transactions Tab 1. Number of ICS transactions during the years 29- Number of ICS transactions Nr. Type of transaction Regular 456, ,7 727, ,49 97,717 1,32,43 2 Priority 11,156 15,145 18,657 22,3 24,812 26,79 3 Massive Regular 2,915,59 2,872,234 2,937,845 2,916,145 3,294,677 3,731,436 4 Massive Priority 2,36 2,21 2,91 3,873 1,797,33 3,233,49 5 Giro Payments 377,46 419, , , ,281 1,13,62 6 Securities* Direct Debit TOTAL 3,763,39 3,927,732 4,189,779 4,329,678 6,793,43 9,51,427 Tab 2. Value of ICS transactions during the years 29- Value of ICS transactions Nr. Type of transaction Regular 2,384,155, ,949,927, ,89,861, ,161,88,1. 3,319,527,253. 3,329,886, Priority 557,378, ,863, ,651, ,49, ,577, ,722,26. 3 Massive Regular 361,385, ,854, ,187, ,361, ,795, ,499, Massive Priority 1,241,95.9 1,386, ,434, ,397, ,517, ,334, Giro Payments 671,649, ,367, ,17, ,13, ,986, ,316, Securities* ,653, ,11, ,37,96. 7 Direct Debit ,87, ,252, ,43,429. 6,763,93. 7,182, TOTAL 3,975,813, ,66,27, ,86,557, ,68,957,532. 6,435,18,348. 6,83,312,337. 8,,, 7,,, 6,,, 5,,, 4,,, 3,,, 2,,, 1,,, ,, 8,, 6,, 4,, 2,, Series2 Series1 Gjylfidane Kastrati-Kadrijaj, Director,, Central Bank of the Republic of Kosovo; payment.systems@bqk-kos.org; tel: ext. 29; web:

2 Number Statistics on the number of bank cards Tab 1. Number of active bank cards, quarterly 212 Nr. Cards by functions Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 I. Cards with a cash function 644, ,35 67,4 683,651 67,871 72,238 73, ,38 731,442 75, , ,26 II. Cards with a payment function 657, , , , ,17 72,238 73, ,38 731,442 75, , , Cards with a debit function 574,1 589,871 59, , ,674 62, , ,48 618, , , ,9 2 - Cards with a credit function 83,418 87,793 91,388 95,942 97,343 99,339 12,639 19, , , , ,652 III. Cards with an e-money function 12,592 12,736 12,918 13,81 13,318 13,589 13,589 15,17 15,125 14,23 14,23 13, Cards with an e-money function which have been loaded at least once 12,592 12,736 12,918 13,81 13,318 13,589 13,589 15,17 15,125 14,23 14,23 13,284 IV. Total number of cards 67,11 69,4 695,64 78, , , ,41 769, , ,81 813, , Cards with a combined debit, cash or e-money function 518, , , , , , ,41 769, , ,81 813, ,26 1,, 8, 6, 4, 2, Number of Bank Cards Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q % Debit Cards % 73% Credit Cards 9% 91% Cards with a payment function 2 - Cards with a credit function 1 - Cards with a debit function Local Cards Visa MasterCard Visa MasterCard Tab 2. Number of active cards by operators Nr. Cards by operators (Q4 ) Debiti Krediti E-money 1 Local Cards Visa 496,319 11,611 14,23 3 MasterCard 181,517 11,41 4 Other TOTAL 678,9 121,652 14,23 Gjylfidane Kastrati-Kadrijaj, Director,, Central Bank of the Republic of Kosovo; payment.systems@bqk-kos.org; tel: ext. 29; web:

3 Numri Numri Statistics on banking terminals Tab 1. The number of terminals over the years. Nr. Terminals by function I. Automated Teller Machines ( ATM ) ATMs with a cash withdrawal function ATMs with a credit transfer function a - ATM with Kos Giro payment function N/A ATMs with a deposit function II. POS Terminals ( Point of Sale ) 5,251 6,194 7,534 8,592 9,71 9, POS terminals with a cash withdrawal function , EFTPOS terminals 5,223 5,93 6,32 8,499 8,856 9,179 III. Virtual POS terminals for card payments 7 IV. E-money card terminals Automated Teller Machines ( ATM ) POS Terminals ( Point of Sale ) 6 1, , 6, 2 4, 1 2, Automated Teller Machines ( ATM ) POS Terminals ( Point of Sale ) Tab 2. The number of terminals for cards and electronic money, quarterly for -Q1 Nr. Terminals by function Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 I. Automated Teller Machines ( ATM ) ATMs with a cash withdrawal function ATMs with a credit transfer function a - ATM with Kos Giro payment function ATMs with a deposit function II. POS Terminals ( Point of Sale ) 8,84 9,39 8,55 9,71 9,84 9,191 9,222 9, POS terminals with a cash withdrawal function EFTPOS terminals 8,619 8,814 8,375 8,856 8,943 8,98 9,11 9,179 III. Virtual POS terminals for card payments IV. E-money card terminals Gjylfidane Kastrati-Kadrijaj, Director,, Central Bank of the Republic of Kosovo; payment.systems@bqk-kos.org; tel: ext. 29; web:

4 Tab 1. Number of card transactions through terminals. Nr. Description Q1 Q2 Q3 Q4 Total Q1 Q2 Q3 Q4 Total I. Total number of transactions with cards 3,29,93 3,264,376 3,444,217 3,39,578 13,129,74 3,324,599 3,617,691 3,874,485 3,917,414 14,734,189 Statistics on transactions with cards 1 - ATM cash withdrawals 2,12,63 2,294,325 2,436,798 2,399,759 9,251,512 2,245,689 2,478,44 2,64,917 2,561,9 9,926, ATM deposits 912 1,252 1,58 1,57 5,314 3,527 4,591 5,553 14,53 27, ATM credit transfers 29,656 29,276 26,31 23,345 18,38 18,77 18,89 17,69 14,81 7, POS terminal cash withdrawals 3,964 3,995 1,195 3,81 21,964 4,11 4,191 3,865 1,266 13, Card payments at POS terminals 874, , , ,94 3,741,976 1,52,62 1,111,579 1,26,46 1,326,195 4,696,836 Tab 2. Value of card transactions through terminals. Nr. Description Q1 Q2 Q3 Q4 Total Q1 Q2 Q3 Q3 Total I. Total number of transactions with cards 233,886, ,476, ,68, ,17,218 1,155,449,74 261,26,247 33,438,7 358,981, ,66,328 1,262,232, ATM cash withdrawals 189,777,93 221,61, ,636, ,159,28 936,184,272 27,321, ,83,65 288,265, ,845, ,236, ATM deposits 56, ,53 91,91 567,24 1,953,275 1,331,75 1,88,93 2,583,985 7,764,643 13,488, ATM credit transfers 219,93 211, , ,81 781,258 14, , ,375 14,76 515, POS terminal cash withdrawals 3,68,94 4,828,627 11,668,447 4,399,116 24,576,284 3,6,391 3,932,916 4,478,684 1,866,595 13,878, Card payments at POS terminals 4,152,42 46,399,154 54,677,197 5,725, ,954,615 48,813,114 54,747,227 63,528,423 71,25,37 238,113,81 Gjylfidane Kastrati-Kadrijaj, Director,, Central Bank of the Republic of Kosovo; payment.systems@bqk-kos.org; tel: ext. 29; web:

5 Number Value (EUR) Statistics on the number of E-BANKING¹ accounts and transactions Tab 1. Number of E-Banking accounts. Nr. Description Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 1 Number of E-Banking accounts 18, , ,86 131, , , , ,761 Tab 2. Number of E-banking accounts by type in Q4 Nr. Description Number % 1 Individual Accounts 126, % a - resident 122,22 b - non-resident 4,21 2 Business Accounts 31, % a - resident 31,188 b - non-resident 35 3 Total 157,761 1.% Number of E-banking accounts by type 2% 8% Individual Accounts Business Accounts Tab 3. Volume of E-banking transactions presented in number and value over the years Nr. Description Total Total Total Total Total Total 1 Number of transactions 228, , , ,762 1,56,655 1,579,838 2 Value of transactions 67,35, ,383,357 1,218,89,663. 1,499,93, ,671,11, ,22,45, Tab 4. E-banking quarterly transactions presented in number and value. Nr. Description Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 1 Number of transactions 2, ,67 29, ,874 39,49 37,96 45, ,999 2 Value of transactions 471,78, ,6, ,611, ,631, ,857, ,426, ,225,542, ,325,579, ,8, 1,6, 1,4, 1,2, 1,, 8, 6, 4, 2, Volume of E-banking transactions presented in number and value over the years Total Total Total Total Total Total Value of transactions Number of transactions 4,5,,. 4,,,. 3,5,,. 3,,,. 2,5,,. 2,,,. 1,5,,. 1,,,. 5,,.. Gjylfidane Kastrati-Kadrijaj, Director,, Central Bank of the Republic of Kosovo; payment.systems@bqk-kos.org; tel: ext. 29; web:

6 Quarterly Comparisons¹ Tab 1. Information on payment methods and cash & non-cash instruments, reported by commercial banks every quarter. Quartal IV/ Quartal IV/ Difference (%) Nr/P1 Type of transactions Number Value Number Value Number Value 1 Total Number of EICS transactions (regular&priority payments) 332,46 1,12,5,67 294,87 979,629, % -3.2% 2 Total Number of EICS transactions (mass payments) 796, ,93,188 94, ,468, % 3.29% 3 Payments processed thought banks Account (intra bank) 656,673 1,485,71, ,893 1,424,99, % -4.15% 4 Payments processed with cash deposit inside the Bank 858,441 1,14,36,985 75,44 1,11,78, % 8.62% 5 Payments processed with cash (withdrawel) inside the Bank 1,367,223 82,349,369 1,227,35 91,463, % 1.98% 6 Incoming payment transactions (received from foreign banks) 57, ,422,378 52,38 453,731, % 9.49% 7 Outgoing payments transactions (ordering for foreign banks) 38, ,561,263 39, ,44, % 7.86% 8 Giro payments paid by cash inside bank 25,985 3,48,146 8,951 1,151, % % 9 Giro payments-paid from bank account inside the bank * 18,123 68,944,125 7,99 1,65, % % 1 Giro payments paid by cash and processed through EICS 12,62 4,316, ,39 38,417, % -4.71% 11 Giro payments-paid from bank account and processed through EICS 66, ,76,844 13,38 218,837, % 9.58% 12 Withdrawals from bank clients using ATM 2,179,24 193,926,846 2,331, ,28,294 7.% 15.61% 13 Withdrawals from foreign bank clients 22,735 42,232, ,457 33,637, % -2.35% 14 Payments processed using POS 783,619 41,7,264 1,1,747 6,554, % 47.67% 15 Payments processed using POS (outside) 178,475 9,718,58 225,448 1,47, % 7.73% 16 Payments processed using e-banking 322, ,631, ,999 1,325,579, % 54.92% 17 Direct Debit (INTER) 3,871 1,81,354 3,659 2,25, % 22.45% 18 Direct Debit (INTRA) 8, ,174 7,18 448, % -9.7% 19 Periodic payment transactions (Standing Order) 171,952 18,129,64 161,43 2,792, % 14.69% Nr/P2 1 Number of Banks Accounts NUMBER OF BANK ACCOUNTS, ATM, POS, E-BANKING, ETC. 1,856,892 1,917, % 2 Number of POS 9,71 9, % 3 Number of ATM % 4 Number of e-banking accounts 131, , % 5 Number of Debit Cards 645,48 678,9 5.12% 6 Number of Credit Cards 19, , % 7 Number of accounts using standing orders 51,883 47, % * Intra bank Kos Giro payments are decreased, but interbank Kos Giro payments are increased. This increase primarily is reflected by the increase in transactions of NBFI for payment services. ¹ Source: Central Bank of the Republic of Kosovo (From Q3 29, commercial banks report according to the Methodology for reporting payments instruments ) (Before Q3 29, commercial banks reported according to the Instruction guide for measuring the payment instrument indicators and equipment in use ) Gjylfidane Kastrati-Kadrijaj, Director,, Central Bank of the Republic of Kosovo; payment.systems@bqk-kos.org; tel: ext. 29; web: