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

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1 Value (EUR) Number Date: May 12, Statistics on interbank transactions Tab 1. Number of ICS transactions during the years Nr. Type of transaction * 1 Regular 319, ,95 387, , , ,7 135,848 2 Priority 1,48 2,373 3,11 6,27 11,156 15,145 3,242 3 Massive Regular 34,478 67,411 86,17 2,84,356 2,915,59 2,872, ,575 4 Massive Priority ,572 2,36 2, Giro Payments 2,386 6, ,84 246,51 377,46 419,329 13,55 6 Direct Debit TOTAL 627,72 99,887 1,314,71 2,725,175 3,763,39 3,927, ,177 * Q1 Number of ICS transactions Tab 2. Value of ICS transactions during the years Nr. Type of transaction 1 Regular 1,66,119, ,935,66,244. 1,69,758, ,849,465, ,384,155, ,949,927, ,528, Priority 192,635, ,633, ,819, ,274, ,378, ,863, ,55, Massive Regular 65,338, ,347, ,481, ,25, ,385, ,854, ,757, Massive Priority 651, ,735, ,926, ,389, ,241,95.9 1,386, , Giro Payments 412, ,673, ,271, ,887, ,649, ,367, ,987, Direct Debit ,87, ,441, TOTAL 1,919,156, ,325,49, ,46,258, ,166,222, ,975,813, ,66,27, ,111, * Q1 Value of ICS transactions * 5,,, 4,5,, 4,,, 3,5,, 3,,, 2,5,, 2,,, 1,5,, 1,,, 5,, * 4,5, 4,, 3,5, 3,, 2,5, 2,, 1,5, 1,, 5, Value Number Gjylfidane Kastrati-Kadrijaj, Director,, Central Bank of the Republic of Kosovo; paymentsystems@bqk-kos.org; tel: ext. 279; web:

2 Number Date: May 12, Statistics on the number of bank cards¹ Tab 1. Number of active bank cards, quarterly Nr. Cards by functions Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 I. Cards with a cash function N/A N/A N/A 473,43 516, , , ,299 54, ,479 II. Cards with a payment function 116, ,34 323,63 494, ,97 52,883 51, , , , Cards with a debit function 15, ,579 32, ,698 57, , , ,532 48, , Cards with a credit function 11,139 12,725 2,374 27,724 31,58 32,512 32,442 35,191 37,922 45,52 III. Cards with an e-money function 9,81 7,58 7,832 8,154 8,321 9,233 IV. 1 - Cards with an e-money function which have been loaded at least once Total number of cards 9,81 7,58 7,832 8,154 8,321 9, , ,34 323,63 494, ,78 529, , , , , Cards with a combined debit, cash or e-money function N/A N/A N/A 473,43 524, ,46 493,724 5,453 51, ,699 6, 5, 4, 3, 2, 1, Number of Bank Cards Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q Cards with a payment function 1 - Cards with a debit function 2 - Cards with a credit function Tab 2. Number of active cards by operators Nr. Cards by operators (Q1 ) Debiti Krediti E-money 1 Local Cards 4,57 2 Visa 391,582 38,561 9,233 3 MasterCard 84,857 6,959 4 Other TOTAL 516,946 45,52 9,233 Debit Cards 16% 8% Credit Cards 15% 76% 85% Local Cards Visa MasterCard Visa MasterCard (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; paymentsystems@bqk-kos.org; tel: ext. 279; web:

3 Numri Numri Date: May 12, Statistics on banking terminals¹ Tab 1. The number of terminals over the years. Nr. Terminals by function * I. Automated Teller Machines ( ATM ) ATMs with a cash withdrawal function N/A N/A N/A N/A ATMs with a credit transfer function N/A N/A N/A N/A a - ATM with Kos Giro payment function N/A N/A N/A N/A N/A ATMs with a deposit function N/A N/A N/A N/A II. POS Terminals ( Point of Sale ) 1,46 1,767 2,554 3,426 5,251 6,194 6, POS terminals with a cash withdrawal function N/A N/A N/A N/A EFTPOS terminals N/A N/A N/A N/A 5,223 5,93 6,55 III. Virtual POS terminals for card payments IV. E-money card terminals Automated Teller Machines ( ATM ) Automated Teller Machines ( ATM ) POS Terminals ( Point of Sale ) 7, 6, 5, 4, 3, 2, 1, POS Terminals ( Point of Sale ) Tab 2. The number of terminals for cards and electronic money, quarterly for 29-. Nr. Terminals by function Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 I. Automated Teller Machines ( ATM ) ATMs with a cash withdrawal function N/A N/A ATMs with a credit transfer function N/A N/A a - ATM with Kos Giro payment function N/A N/A N/A N/A N/A N/A ATMs with a deposit function N/A N/A II. POS Terminals ( Point of Sale ) 4,176 4,612 4,9 5,251 5,34 5,493 5,751 6,194 6, POS terminals with a cash withdrawal function N/A N/A EFTPOS terminals N/A N/A 4,822 5,223 5,32 5,417 5,555 5,93 6,55 III. Virtual POS terminals for card payments IV. E-money card terminals (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; paymentsystems@bqk-kos.org; tel: ext. 279; web:

4 Date: May 12, Tab 1. Number of card transactions through terminals Nr. Description Total Total Q1 Q2 Q3 Q4 Total * Q1 Q2 Q3 Q4 Total Q1 I. Total number of transactions with cards 4,254,17 5,882,919 1,621,71 1,963,16 1,994,92 1,993,467 7,571,79 2,68,62 2,151,674 2,32,432 2,482,125 9,4,293 2,18,695 Statistics on transactions with cards¹ 1 - ATM cash withdrawals 3,723,537 5,136,22 1,373,271 1,659,39 1,591,452 1,531,878 6,155,64 1,66,244 1,656,35 1,786,635 1,911,24 6,96,469 1,63, ATM deposits N/A N/A N/A N/A 3 - ATM credit transfers N/A N/A N/A N/A 56,627 54, ,83 47,125 51,324 48,56 48, ,851 41, POS terminal cash withdrawals N/A N/A N/A N/A 12,222 5,71 17,923 7,283 5,68 1,972 11,639 35,574 1, Card payments at POS terminals 53,48 746, ,8 34, ,791 41,432 1,287,144 47,41 438,32 456,769 51,9 1,813, ,89 Tab 2. Value of card transactions through terminals Nr. Description Total Total Q1 Q2 Q3 Q4 Total * Q1 Q2 Q3 Q4 Total Q1 I. Total number of transactions with cards 376,8,96 539,535,697 13,379, ,84,686 21,48, ,63,75 662,115, ,969, ,177, ,647,97 191,643,38 758,437, ,11, ATM cash withdrawals 34,34,14 485,19,74 118,115, ,281, ,475, ,26,12 578,132, ,23,65 147,361,34 189,415, ,927, ,934,71 15,479, ATM deposits N/A N/A N/A N/A 3 - ATM credit transfers N/A N/A N/A N/A 394, , , ,91 343, , ,8 1,34, , POS terminal cash withdrawals N/A N/A N/A N/A 9,916,894 4,876,221 14,793,115 5,474,138 5,75,131 9,796,326 5,539,431 25,885,27 6,123, Card payments at POS terminals 36,766,856 54,426,623 12,263,488 14,83,45 19,26,763 22,98,338 68,425,994 19,947,318 22,398,312 24,113,91 27,854,279 94,313,819 25,129,157 (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; paymentsystems@bqk-kos.org; tel: ext. 279; web:

5 Number Value (EUR) Date: May 12, Statistics on the number of E-BANKING¹ accounts and transactions Tab 1. Number of E-Banking accounts Nr. Description Q4 Q4 Q4 Q1 Q2 Q3 Q4 Q1 1 Number of E-Banking accounts 8,746 13,51 4,924 43,976 49,188 52,158 55,292 58,685 * There is a steady growth in the number of accounts that use E-Banking Tab 2. Number of E-banking accounts by type in Q1. Nr. Description Number % 1 Individual Accounts 48, % a - resident 45,95 b - non-resident 3,35 2 Business Accounts 9, % a - resident 9,518 b - non-resident Total 58,685 1.% Number of E-banking accounts by type 17% 83% 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 Q1 1 Number of transactions 82, , , ,375 86,12 2 Value of transactions 243,235, ,465, ,35, ,383, ,741, Tab 4. E-banking quarterly transactions presented in number and value. 21 Nr. Description Q1 Q2 Q3 Q4 Q1 1 Number of transactions 61,843 77,26 83,185 96,321 86,12 2 Value of transactions 144,111, ,155, ,619, ,497, ,741, , 3, 25, 2, 15, 1, 5, Volume of E-banking transactions presented in number and value over the years Total Total Total Total Q1 9,,. 8,,. 7,,. 6,,. 5,,. 4,,. 3,,. 2,,. 1,, Value of transactions Number of transactions (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; paymentsystems@bqk-kos.org; tel: ext. 279; web:

6 Date: May 12, Tab 1. Information on payment methods and cash & non-cash instruments, reported by commercial banks every quarter. Totali Quarterly Comparisons¹ Quartal I/21 Quartal I/ Difference (%) Nr/P1 Type of transactions Number Value Number Value Number Value 1 Total Number of EICS transactions (regular&priority payments) 171,54 549,498,888 27, ,138, % 2.32% 2 Total Number of EICS transactions (mass payments) 684,818 96,13, ,575 18,757, % 13.14% 3 Payments processed thought banks Account (intra bank) 343, ,15, ,679 83,953, % -8.44% 4 Payments processed with cash deposit inside the Bank 524, ,251,47 544,6 524,972, % -8.26% 5 Payments processed with cash (withdrawel) inside the Bank 1,44,61 565,611,587 1,43, ,313, % -7.66% 6 Incoming payment transactions (received from foreign banks) 4,391 32,243,697 46, ,278, % 12.91% 7 Outgoing payments transactions (ordering for foreign banks) 28,83 453,488,37 29, ,679, % 18.34% 8 Giro payments paid by cash inside bank 28,857 6,84,865 32,259 7,637, % 12.24% 9 Giro payments-paid from bank account inside the bank 62,188 2,59,815 37,563 12,184, % -4.59% 1 Giro payments paid by cash and processed through EICS 91,45 27,314,68 69,822 19,822, % % 11 Giro payments-paid from bank account and processed through EICS 35,733 11,858,24 62,42 183,76, % 65.76% 12 Withdrawals from bank clients using ATM 1,457, ,24,9 1,452, ,478, % 3.61% 13 Withdrawals from bank clients using foreign ATM accounts) 149,16 24,99,56 177,642 29,1, % 16.5% 14 Payments processed using POS 363,135 16,825, ,486 2,843, % 23.88% 15 Payments processed using POS (outside) 44,275 3,122,94 69,323 4,286, % 37.28% 16 Payments processed using e-banking 61, ,111,15 86,12 194,5, % 34.97% 17 Direct Debit (INTER) , , % 14.1% 18 Direct Debit (INTRA) 4,381 45,372 6, , % -25.3% 19 Periodic payment transactions (Standing Order) 53,924 7,62,867 85,33 13,768, % 81.9% Nr/P2 1 Number of Banks Accounts NUMBER OF BANK ACCOUNTS, ATM, POS, DD, E-BANKING, ETC. 1,363,431 1,369,26.41% 2 Number of POS 5,34 6, % 3 Number of ATM % 4 Number of e-banking accounts 43,976 58, % 5 Number of Debit Cards 488, , % 6 Number of Credit Cards 32,512 45,52 4.1% 7 Number of accounts using standing orders 46,98 48, % 8 Number of accounts using Direct Debit (DD) 826 1, % Notice: Despite the large percentage changes for some payment instruments, the overall change in the actual number of payments is small, for example: Direct Debit, Giro intrabank payments, etc. * The total includes the following banks: BKT, BpB, PCB, NLB, BEK, RBKO and TEB. For payments from CBK, take the difference between the respective payments from the Interbank Payments report and this report. (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; paymentsystems@bqk-kos.org; tel: ext. 279; web: