Retail Payment Systems
In the OIC Member Countries
113
Table A5. Pakistan: Market Data and Indicators
2000 2005 2011 2012 2013 2015
Financial cards in circulation
- ATM cards (mn cards) 0.7 1.1 4.0 5.2 6.4 10.3
- Debit cards (mn cards) 0.7 1.0 3.5 4.9 5.9 9.6
- Credit cards (mn cards) 0.6 0.9 1.4 1.4 1.5 2.0
- Charge cards (mn cards) 0.1 0.1 0.3 0.3 0.3 0.3
Financial cards' transactions
- ATM cards (US$ mn, at constant
prices)
44 47 187 254 301 438
- Debit cards (US$ mn, at constant
prices)
1,100 986 1,563 1,656 1,929 3,444
- Credit cards (US$ mn, at constant
prices)
7,444 9,679 7,439 8,323 10,452 19,838
- Charge cards (US$ mn, at constant
prices)
530 689 441 489 504 653
Cash transactions (US$ mn, at
constant prices)
80,534 89,656 112,541 137,762 130,093 151,419
Other paper transactions (US$
mn, at constant prices)
4,061 4,077 4,159 4,518 4,389 4,922
Annual savings (PKR mn, at
constant prices)
411,879 643,048 760,451 771,280 801,890 890,034
Savings ratio (% of disposable
income)
4.0 4.6 4.2 4.1 4.1 4.1
Consumer lending
- Consumer credit (outstanding
balance) (US$ mn)
1,439 5,287 14,489 17,343 19,851 34,087
- Mortgages/housing (outstanding
balance) (US$ mn)
4,108 13,384 22,936 28,854 31,660 40,724
Source: National statistics, Euromonitor International
Table A6. Pakistan: Number and value of transactions
Number of transactions (000) 2006 2008 2010 2012
Electronic 20,160 33,773 53,367 74,562
Paper 82,131 84,338 -1,606 92,431
Total 102,291 118,111 144,973 166,993
% share
Electronic 19.71 28.60 36.81 44.65
Paper 80.29 71.40 63.19 55.35
Value of transactions (Rs Billion) 2006 2008 2010 2012
Electronic 2,479 4,119 4,821 6,555
Paper 25,036 39,875 40,536 43,675
Total 27,515 43,994 45,357 50,230
% share
Electronic 9.01 9.36 10.63 13.05
Paper 90.99 90.64 89.37 86.95
Source: Statistical Bulletin (2003-2012), Quarterly Reports on Payment Systems, 2006-2012, .