e - BANKING

S.KAMAL HAYDER KAZMI,
(feedback@pgeconomist.com)
Research Analyst
, PAGE
May 23 - 29, 2011

PAYMENT SYSTEMS SUMMARY
( Amount in Million Rupees)

PRODUCTS\ TRANSACTIONS
TYPE
JULY -SEP ,2010 ( R ) OCT-DEC,2010 ( P ) GROWTH
NUMBER AMOUNT NUMBER AMOUNT NUMBER (%) AMOUNT (%)
Interbank Settlement Through PRISM (RTGS) 72,174 17,484,438 81,363 19,842,466 12.73 13.49
Interbank Fund Transfer (IBFT) 47,465 6,418,883 55,459 7,566,928 16.84 17.89
Retail Cheque Clearing 11,400 2,745,002 11,892 3,132,391 4.32 14.11
Securities Settlement 13,192 8,218,721 13,844 8,966,616 4.94 9.10
Intraday Liquidity Facility(ILF) 117 101,832 168 176,531 43.59 73.36
Paper Based 82,958,898 35,598,041 88,456,807 39,067,546 6.63 9.75
eBanking (Financial Transactions) 52,584,716 4,650,172 56,423,217 5,462,428 7.30 17.47
ATMs 30,934,413 262,524 32,656,538 287,492 5.57 9.51
Points of Sale (POS) 3,426,865 15,757 3,618,228 19,747 5.58 25.32
Real Time online Branches (RTOB ) 16,458,929 4,329,081 18,202,195 5,107,056 10.59 17.97
Mobile 678,149 1,779 766,932 1,678 13.09 -5.66
Call Centre (IVR) 214,584 1,848 199,359 1,703 -7.10 -7.84
Internet 871,776 39,183 979,965 44,753 12.41 14.21
eBanking (Non Financial Transactions) 17,282,064 - 18,355,813 - 6.21 -
ATMs 9,978,491 - 10,098,348 - 1.20 -
Internet 3,818,590 - 4,959,826 - 29.89 -
Mobile 2,371,367 - 2,267,801 - -4.37 -
Call Centre 1,113,616 - 1,029,838 - -7.52 -
Financial Infrastructure (As on Position)
Total Bank Branches 9,234 - 9,483 - 2.70 -
Real Time Online Branches (RTOB) 6,727 - 7,036 - 4.59 -
Automated Teller Machines (ATM) 4,562 - 4,734 - 3.77 -
Point of Sale (POS) 48,632 - 44,383 - -8.74 -
Cards Numbers (As On Position) 11,066,973 - 13,192,957 - 19.21 -
ATMs Cards 693,233 - 718,339 - 3.62 -
Credit Cards 1,676,691 - 1,564,246 - -6.71 -
Debit Cards 8,697,049 - 10,910,372 - 25.45 -
Islamic Credit Cards 1,563 - 2,001 - 28.02 -
Registered Users (As On Position) 7,774,120 - 6,493,273 - -16.48 -
Internet 704,349 - 752,275 - 6.80 -
Mobile 759,382 - 817,507 - 7.65 -
Call Centre 6,310,389 - 4,923,491 - -21.98 -
Internet Merchant Accounts
Number of Registered Merchants (Active) 23 - 24 - 4.35 -
Registered Merchants Transactions 8,025 98 8,069 86 0.55 -12.39
Paper Based 82,959 35,598,041 88,457 39,067,546 6.63 9.75
Cashwithdrawls through Cheques 38,620 16,995,358 41,175 18,650,753 6.61 9.74
Transfer through Cheques 25,000 9,181,742 27,035 10,041,409 8.14 9.36
Clearing through Cheques 13,962 4,747,364 15,219 5,707,551 9.00 20.23
Pay Orders 2,303 1,923,351 1,847 1,811,944 -19.80 -5.79
Demand Drafts 1,639 608,751 1,735 662,941 5.85 8.90
Telegraphic Transfers 180 873,275 174 966,736 -3.15 10.70
Others (Income Tax Vouchers ,Direct Debit etc.) 1,254 1,268,202 1,271 1,226,212 1.37 -3.31
ATMs Transactions 30,934 262,524 32,657 287,492 5.57 9.51
Cash Withdrawal 30,052 227,090 31,679 247,498 5.41 8.99
Cash Deposit 7 58 7 63 -6.00 7.91
Deposit of Payment Instrument 0 121 0 7 -28.04 -94.55
Utility Bills Payment 47 96 52 82 9.41 -14.49
A/c to A/c Funds Transfer 384 16,293 427 19,148 11.12 17.53
Third Party A/c to A/c Funds Transfer 444 18,865 492 20,695 10.91 9.70
Internet 872 39,183 980 44,753 12.41 14.21
Payment Through Internet (Excl. Util. Bill Payments) 142 17,281 155 20,653 9.47 19.51
Utility Bills Payment 367 1,086 406 1,015 10.71 -6.58
A/c to A/c Funds Transfer 227 13,969 251 15,077 10.75 7.92
3rd Party A/c to A/c Funds Transfer 136 6,846 167 8,009 22.82 16.98
Mobile 678 1,779 767 1,678 13.09 -5.66
Payment Through Internet (Excl. Util. Bill Payments) 4 82 74 100 1682.17 21.53
Utility Bills Payment 641 1,009 657 736 2.54 -27.03
A/c to A/c Funds Transfer 33 687 36 842 8.55 22.46
3rd Party A/c to A/c Funds Transfer - - - -    
Call Center 215 1,848 199 1,703 -7.10 -7.84
Payment Through Internet (Excl. Util. Bill Payments) 68 408 58 503 -14.34 23.19
Utility Bills Payment 128 569 124 383 -3.02 -32.73
A/c to A/c Funds Transfer 16 850 16 800 -5.18 -5.93
3rd Party A/c to A/c Funds Transfer 3 21 2 18 -31.04 -14.37
RTOBs 16,459 4,329,081 18,202 5,107,056 10.59 17.97
Real Time Cash Withdrawls 2,810 183,379 2,906 203,595 3.42 11.02
Real Time Cash Deposits 5,998 380,405 6,866 509,445 14.48 33.92
Real Time A\C to A\C Funds Transfers 4,842 2,979,364 5,593 3,549,829 15.49 19.15
Real Time 3rd Party A\C to A\C Funds Transfers 2,809 785,932 2,837 844,187 1.02 7.41
Points of Sales (POS) 3,427 15,757 3,618 19,747 5.58 25.32
Cross Border Transactions (Net) 122 2,894 135 2,782 10.82 -3.88
ATMs Transactions 185 3,518 172 3,457 -7.16 -1.75
POS Transactions ( 25) ( 255) 11 ( 110) -145.33 -56.64
Internet Transactions ( 39) ( 370) ( 48) ( 565) 24.00 52.76
Debit Cards Transactions 35,927 282,198 37,496 308,882 4.37 9.46
Credit Cards Transactions 3,772 16,452 3,674 15,806 -2.58 -3.92

PAPER BASED, eBANKING & PRISM TRANSACTIONS
(Numbers & Amount)

TRANSACTIONS TYPE FY10 Q2 FY10 Q3 FY10 Q4 FY11 Q1 FY11 Q2
Paper Based Number('000') 84,568 82,532 91,606 82,959 88,457
Ebanking Number('000') 46,150 50,444 53,585 52,585 56,423
PRIMS Number('000') 73,755 75,654 77,197 72,174 81,363
PRIMS Amount (Rs. Bln.) 18,105 19,203 19,723 17,484 19,842
Ebanking Amount (Rs. Bln.) 4,134 4,472 4,819 4,650 5,462
Paper Based Amount (Rs. Bln.) 20,049 20,011 40,536 35,598 39,068

INFRASTRUCTURE POSITIONS

PRODUCTS TYPE FY10 Q2 FY10 Q3 FY10 Q4 FY11 Q1 FY11 Q2
ATMS 4,217 4,375 4,465 4,562 4,734
RTOB 6,587 6,634 6,667 6,727 7,036
POS 50,920 51,577 52,049 48,632 44,383