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 29 21 211 212 1 Regular 456,947 615,7 727,668 833,49 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 377,46 419,329 496,197 543,338 692,281 1,13,62 6 Securities* 39 498 618 7 Direct Debit 21 333 7321 134 13115 14582 8 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 29 21 211 212 1 Regular 2,384,155,817.61 2,949,927,889.77 3,89,861,522.69 3,161,88,1. 3,319,527,253. 3,329,886,961. 2 Priority 557,378,555.86 568,863,646.4 652,651,299.22 893,49,615. 768,577,986. 666,722,26. 3 Massive Regular 361,385,533.5 42,854,278.96 465,187,793.48 47,361,458. 531,795,573. 536,499,429. 4 Massive Priority 1,241,95.9 1,386,264.28 1,434,815.34 2,397,99. 374,517,269. 645,334,638. 5 Giro Payments 671,649,728.54 734,367,963.86 871,17,119.17 892,13,913. 899,986,956. 949,316,256. 6 Securities*... 252,653,198. 534,11,48. 695,37,96. 7 Direct Debit 322.41 2,87,939.49 6,252,67.54 8,43,429. 6,763,93. 7,182,931. 8 TOTAL 3,975,813,933.1 4,66,27,982.4 5,86,557,617.44 5,68,957,532. 6,435,18,348. 6,83,312,337. 8,,, 7,,, 6,,, 5,,, 4,,, 3,,, 2,,, 1,,, 29 21 211 212 1,, 8,, 6,, 4,, 2,, Series2 Series1 Gjylfidane Kastrati-Kadrijaj, Director,, Central Bank of the Republic of Kosovo; e-mail: payment.systems@bqk-kos.org; tel:++381 38 222 55 ext. 29; web: www.bqk-kos.org
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 644,922 665,35 67,4 683,651 67,871 72,238 73,812 754,38 731,442 75,878 813,199 813,26 II. Cards with a payment function 657,419 677,644 682,146 695,651 679,17 72,238 73,812 754,38 731,442 75,878 798,996 799,742 1 - Cards with a debit function 574,1 589,871 59,758 599,651 581,674 62,899 628,173 645,48 618,926 633,635 679,465 678,9 2 - Cards with a credit function 83,418 87,793 91,388 95,942 97,343 99,339 12,639 19,332 112,516 117,243 119,531 121,652 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 13,284 1 - 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 78,674 692,335 715,827 744,41 769,397 746,567 765,81 813,119 813,26 1 - Cards with a combined debit, cash or e-money function 518,136 668,778 682,146 695,593 692,335 715,827 744,41 769,397 746,567 765,81 813,119 813,26 1,, 8, 6, 4, 2, Number of Bank Cards Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 212 27% 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 254 2 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; e-mail: payment.systems@bqk-kos.org; tel:++381 38 222 55 ext. 29; web: www.bqk-kos.org
Numri Numri Statistics on banking terminals Tab 1. The number of terminals over the years. Nr. Terminals by function 29 21 211 212 I. Automated Teller Machines ( ATM ) 339 415 46 483 496 498 1 - ATMs with a cash withdrawal function 339 415 46 483 496 498 2 - ATMs with a credit transfer function 122 141 147 145 148 5 a - ATM with Kos Giro payment function N/A 39 69 73 7 5 3 - ATMs with a deposit function 1 1 8 13 II. POS Terminals ( Point of Sale ) 5,251 6,194 7,534 8,592 9,71 9,349 1 - POS terminals with a cash withdrawal function 212 212 1,376 22 215 22 2 - 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, 5 4 3 8, 6, 2 4, 1 2, 29 21 211 212 29 21 211 212 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 ) 489 493 497 496 488 487 495 498 1 - ATMs with a cash withdrawal function 489 493 497 496 488 487 495 498 2 - ATMs with a credit transfer function 145 147 148 148 148 5 76 5 a - ATM with Kos Giro payment function 7 72 7 7 5 5 76 5 3 - ATMs with a deposit function 3 6 8 8 4 4 11 13 II. POS Terminals ( Point of Sale ) 8,84 9,39 8,55 9,71 9,84 9,191 9,222 9,349 1 - POS terminals with a cash withdrawal function 221 225 224 215 221 221 211 22 2 - 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 2 4 7 7 7 IV. E-money card terminals Gjylfidane Kastrati-Kadrijaj, Director,, Central Bank of the Republic of Kosovo; e-mail: payment.systems@bqk-kos.org; tel:++381 38 222 55 ext. 29; web: www.bqk-kos.org
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 9,926,136 2 - ATM deposits 912 1,252 1,58 1,57 5,314 3,527 4,591 5,553 14,53 27,724 3 - ATM credit transfers 29,656 29,276 26,31 23,345 18,38 18,77 18,89 17,69 14,81 7,16 4 - POS terminal cash withdrawals 3,964 3,995 1,195 3,81 21,964 4,11 4,191 3,865 1,266 13,333 5 - Card payments at POS terminals 874,741 935,528 969,613 962,94 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 233,886,942 273,476,662 356,68,883 292,17,218 1,155,449,74 261,26,247 33,438,7 358,981,323 338,66,328 1,262,232,598 1 - ATM cash withdrawals 189,777,93 221,61,163 288,636,998 236,159,28 936,184,272 27,321,268 242,83,65 288,265,856 257,845,346 996,236,12 2 - ATM deposits 56,595 427,53 91,91 567,24 1,953,275 1,331,75 1,88,93 2,583,985 7,764,643 13,488,633 3 - ATM credit transfers 219,93 211,187 184,331 165,81 781,258 14,399 145,977 124,375 14,76 515,457 4 - 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 13,878,586 5 - Card payments at POS terminals 4,152,42 46,399,154 54,677,197 5,725,844 191,954,615 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; e-mail: payment.systems@bqk-kos.org; tel:++381 38 222 55 ext. 29; web: www.bqk-kos.org
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 18,768 113,171 121,86 131,365 139,676 147,739 153,391 157,761 Tab 2. Number of E-banking accounts by type in Q4 Nr. Description Number % 1 Individual Accounts 126,223 8.1% a - resident 122,22 b - non-resident 4,21 2 Business Accounts 31,538 19.99% 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 29 21 211 212 Total Total Total Total Total Total 1 Number of transactions 228,886 318,375 424,273 625,762 1,56,655 1,579,838 2 Value of transactions 67,35,816.66 782,383,357 1,218,89,663. 1,499,93,438.23 2,671,11,545.81 4,22,45,695.61 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 2,446 242,67 29,728 322,874 39,49 37,96 45,524 493,999 2 Value of transactions 471,78,437.56 589,6,99.52 754,611,636.51 855,631,372.22 715,857,28.86 953,426,21.16 1,225,542,616.45 1,325,579,588.15 1,8, 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 29 21 211 212 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; e-mail: payment.systems@bqk-kos.org; tel:++381 38 222 55 ext. 29; web: www.bqk-kos.org
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 1,12,5,67 294,87 979,629,427-11.29% -3.2% 2 Total Number of EICS transactions (mass payments) 796,289 138,93,188 94,195 143,468,848 18.7% 3.29% 3 Payments processed thought banks Account (intra bank) 656,673 1,485,71,637 625,893 1,424,99,262-4.69% -4.15% 4 Payments processed with cash deposit inside the Bank 858,441 1,14,36,985 75,44 1,11,78,932-17.83% 8.62% 5 Payments processed with cash (withdrawel) inside the Bank 1,367,223 82,349,369 1,227,35 91,463,278-1.25% 1.98% 6 Incoming payment transactions (received from foreign banks) 57,642 414,422,378 52,38 453,731,118-9.13% 9.49% 7 Outgoing payments transactions (ordering for foreign banks) 38,454 647,561,263 39,654 698,44,239 3.12% 7.86% 8 Giro payments paid by cash inside bank 25,985 3,48,146 8,951 1,151,521-65.55% -66.21% 9 Giro payments-paid from bank account inside the bank * 18,123 68,944,125 7,99 1,65,72-6.83% -97.61% 1 Giro payments paid by cash and processed through EICS 12,62 4,316,589 196,39 38,417,86 62.75% -4.71% 11 Giro payments-paid from bank account and processed through EICS 66,729 199,76,844 13,38 218,837,537 54.82% 9.58% 12 Withdrawals from bank clients using ATM 2,179,24 193,926,846 2,331,633 224,28,294 7.% 15.61% 13 Withdrawals from foreign bank clients 22,735 42,232,362 229,457 33,637,52 3.95% -2.35% 14 Payments processed using POS 783,619 41,7,264 1,1,747 6,554,734 4.47% 47.67% 15 Payments processed using POS (outside) 178,475 9,718,58 225,448 1,47,34 26.32% 7.73% 16 Payments processed using e-banking 322,874 855,631,372 493,999 1,325,579,588 53.% 54.92% 17 Direct Debit (INTER) 3,871 1,81,354 3,659 2,25,726-5.48% 22.45% 18 Direct Debit (INTRA) 8,372 496,174 7,18 448,35-15.1% -9.7% 19 Periodic payment transactions (Standing Order) 171,952 18,129,64 161,43 2,792,317-6.13% 14.69% Nr/P2 1 Number of Banks Accounts NUMBER OF BANK ACCOUNTS, ATM, POS, E-BANKING, ETC. 1,856,892 1,917,513 3.26% 2 Number of POS 9,71 9,349 3.6% 3 Number of ATM 496 498.4% 4 Number of e-banking accounts 131,365 157,761 2.9% 5 Number of Debit Cards 645,48 678,9 5.12% 6 Number of Credit Cards 19,332 121,652 11.27% 7 Number of accounts using standing orders 51,883 47,768-7.93% * 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; e-mail: payment.systems@bqk-kos.org; tel:++381 38 222 55 ext. 29; web: www.bqk-kos.org